HOME LENDING

OWNER OCCUPIED LOANS

Which is the Right Loan for You

Owner-occupied home loans are available for borrowers who plan to live in the home that the loan is required for. Those wanting to take out an owner-occupied home loan may want to purchase an existing home, build a new property, or renovate an established one.

Simplicity can assist with PAYG or self employed applicants. Low Doc loans are also popular amongst those who've been tardy in preparing their financial information.

INVESTMENT LOANS

Building a portfolio?

Investment home loans are available for borrowers who plan to rent the property to tenants and hope to capitalise on growth over a long period.

Those wanting to take out an investment home loan may want to purchase an existing home, build a new property, or purchase something off the plan. These loans are available as interest only or principle and interest terms.

FIRST HOME BUYERS

Prospective Property Owners

The most important thing to do, before you start house hunting, is work out exactly how much you have to spend and how much you can afford to borrow. This means taking a good look at your total income as well as all your financial commitments and savings. You should have your finances approved before you make an offer on your first home, so it also means getting pre-approval on your home loan.