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Home Loans
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intellichoice
Is Now the Time to Get a Home Loan?
Home loans give you the ability to purchase a property by borrowing money from a lender, which is secured against the value of the property. The kind of loan that’s best for you depends on a few factors, such as: loan purpose, principal amount, type of interest rate, length of repayment term and repayment schedule.
However, the interest rate is usually the single biggest factor you consider when looking for a home loan. They have a huge impact on the long-term cost of your property, and they vary considerably based on the market, government policies and your financials.
Is now the right time for you to invest in a home?
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intellichoice
How Can I Find the Right Home Loan?
On your own, it can be overwhelming to sort through dozens of lenders that have dozens of mortgage options. You want to shop around, but the application take hours, it takes many calls to get your questions answered and it can be difficult to compare the offers you received.
What if you just filled out the paperwork at once? We have access to hundreds of home loans across more that 50 Lenders – and we know how to meet all of their different credit policies. Let us sort through the options and present the best home loans for your unique circumstances.
What if you worked with one partner instead of several providers? Our goal is to help you secure a loan that meets your exact needs, so our team gets to know you from the start. When you have questions, we’re here to answer. We stay in touch with you step by step throughout the process.
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intellichoice
Why Partner with Intellichoice?
Speed up the process! As a registered and licensed mortgage broker, we have decades of experience evaluating lenders and the loan products they have available.
- Get the best rates. We have access to hundreds of options across more than 50 lenders.
- Simplify the process. We sort out the paperwork and create a straightforward experience.
- Work with a responsive team. We partner with you from start to finish and stay in touch every step of the way.
- Spend your time shopping for properties, not shopping for loans. You find your dream property; we’ll find your best loan options.
Interested in getting a loan?
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intellichoice
Looking for
More Advice?Buying a home is one of the biggest choices of your life. You’ll invest your time, effort and finances to achieving that dream, so partner with the experts who want to help you succeed.
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intellichoice
Frequently Asked Questions
What is a home loan?A home loan is a loan used to purchase or refinance residential property, repaid over an agreed term.
How much can I borrow?Borrowing capacity depends on income, expenses, liabilities, and lender assessment criteria.
What is the difference between fixed and variable rates?Fixed rates provide repayment certainty, while variable rates can change over time.
How much deposit do I need?Typically 20% to avoid Lenders Mortgage Insurance, though smaller deposits may be accepted.
What is Lenders Mortgage Insurance?LMI protects the lender when borrowing above 80% of the property value.
Can self-employed borrowers apply?Yes. Additional documentation such as tax returns or BAS may be required.
Should I get pre-approval?Yes. Pre-approval helps confirm borrowing power before purchasing.
What fees apply?Fees may include application, valuation, settlement, and ongoing account fees.
How do I compare home loans in Australia?To compare home loans Australia, you should review interest rates, comparison rates, fees, and loan features across different lenders. A mortgage broker Australia can help you compare multiple options at once and identify a loan that suits your financial situation and goals.
What should I look for when comparing mortgage rates in Australia?When comparing mortgage rates Australia, focus on both the interest rate and the comparison rate, which includes most fees and charges. It’s also important to consider loan features, flexibility, and repayment options when you compare home loans Australia.
What are my home loan options in Australia?There are several home loan options Australia, including fixed rate, variable rate, and split loans. Each option offers different levels of certainty and flexibility, so it’s important to compare them carefully to find the best fit for your needs.
Why use a mortgage broker in Australia?A mortgage broker Australia helps you access and compare home loan lenders Australia without applying to each lender individually. Brokers simplify the process, provide expert guidance, and help you find competitive loan options based on your circumstances.