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Home Finance

Home Loan Products

With a wide range of financial products available on the market today for purchasing your new home, finding the right home loan might seem overwhelming. That’s why whether you’re a first time home buyer, or looking to build your current property investment portfolio, we’ll help you find a financial solution that is tailor made for you.

  • Variable Rate Loan

    A variable rate loan is great for home buyers who wish to keep interest rate costs to a minimum and are happy to take a gamble on the direction that interest rates will take in the future.

    Read more about the Variable Rate Home Loan.

  • Fixed Rate Loan

    A fixed rate loan is best for those who want security in knowing their exact repayment each month. With a fixed rate home loan you can generally fix your interest rate for anywhere between 1 to 7 years with 10 to 15 years also being option with some lenders.

    Read more about the Fixed Rate Home Loan.

  • Introductory Rate Home Loan

    An introductory rate home loan (sometimes called a “Honeymoon Rate”) is mostly aimed at first home buyers offering a low rate for an initial period of anywhere from 6 months up to 3 years.

    Read more about the Introductory Rate Home Loan.

  • Professional Packages

    Most major lenders now offer "professional packages" for home loans above $250,000 (for one loan of more than $250,000 or a total aggregate lend of $250,000). Professional packages were originally set up for certain professions or income brackets but are now available to anyone provided they pay the package fee.

    Read more about Professional Package Home Loans.

  • Line Of Credit/Equity Home Loan

    A line of credit or equity loan is somewhat similar to a credit card. A lender will lend up to 80% of the value of the security. This type of loan does not have a set term nor fixed repayments.

    Read more about the Line of Credit/Equity Home Loan.

  • Offset Accounts

    An offset account is usually a savings account linked to your mortgage. This type of finance solution allows you the benefit of offsetting funds in your savings account against your home loan, thereby reducing the interest payable on your home loan.

    Read more about the Offset Account Home Loans.

  • Guarantor Loans

    A family guarantee, family pledge or guarantor loan allows your family members (generally a parent, grandparent or in-law) to use the equity in their home as security for a portion of your home loan amount.

    Read more about the Line of Guarantor Loans.

  • NRAS Investment Property Loans

    The National Rental Affordability Scheme (NRAS) provides incentives to business and community organisations who build and rent dwellings to eligible low and moderate income households at a rate at least 20 per cent below the prevailing market rate.

    Read more about NRAS Investment Property Loans.

Need more information about Loan Studio’s financial products?

Please enquire now or call 1300 978 051 to speak to one of our Loan Studio Financial Consultants.