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One of the most direct impacts of the global credit crisis on Australian homebuyers is that access to finance is growing more complex. There are still a large number of products and lenders available, however securing finance to purchase a property has become more challenging over the past 12 months.

Lending policies have tightened up, a number of products have been withdrawn from the market and considerable differences in the interest rates and features being offered by lenders have emerged.

For Australian property purchasers one of the most obvious examples of this tightening access to credit has been the gradual withdrawal of low deposit loans, and the requirement to provide much more evidence of savings to obtain finance.

However, the string of interest rate cuts in recent months mean home finance is at the cheapest levels seen in many years. For most home buyers – those with a reasonable deposit or equity in an existing property, a good savings and credit history, and a secure job – home finance is still readily available.

In this environment of rapid changes it is more important than ever to do your homework and seek expert advice from Smartline Personal Mortgage Advisers before choosing a home loan to ensure you are getting the most suitable product for you.

It is vital to remember that there is always much more to a home loan than just the advertised rate. It is important from the outset to choose a loan that suits your individual situation.

A Smartline Mortgage Adviser can also suggest other strategies that can be adopted to fully maximise what may well be a once-in-a-lifetime opportunity.
This might include the pros and cons of a fixed versus a variable rate home loan, selecting a home loan that offers maximum flexibility for changing circumstances, additional features such as offset accounts and mortgage protection insurance.
 
For more information or to talk to a Smartline Adviser call 1800 020 066 or visit www.smartline.com.au
Advice from Jayson Billings, Smartline Personal Mortgage Advisers

It can be confusing to know whether to get a variable rate or fixed rate mortgage, and what features are important. That's why it's important to not only check the right rates, but make sure that you're getting the right features in your home loan. Get help choosing the right home loan

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