Unlike other banks, Homeloans’ only focus on providing Australians with a range of competitive home loan products.
Homeloans is an ASX-listed lender whose major shareholders include National Australia Bank and Macquarie Bank. It prides itself on providing its customers with outstanding customer service. It doesn’t have traditional branches, but has a number of satellite sales offices nationwide. It is also a Carbon Conscious lender and plants a tree for every settled home loan.
Homeloans has won a number of awards including TheAdviser Magazine Best Mortgage Manager.
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When considering a home loan there are several different factors to take into account. If you want to live in the property, or buy it as a future investment, will determine whether you should apply for an owner occupied loan or an investment loan. You can also browse by company to see the different types of home loan offered as some loan providers offer basic products, as well as inclusive package deals.
You will also need to consider what sort of payment plan suits you. Home loans are offered either at a fixed or variable rate of interest. Fixed rate plans suit those who may be on a budget or prefer to know exactly what they pay back each month. However, a variable rate loan could work to your advantage as you could pay back less overall if interest rates fluctuate.
When considering any type of home loan, it is recommended to get an expert’s opinion. They will help you choose a home loan that’s right for you as well as determining what sort of payment plan will work best for you and your money.