Home Loans

Looking to enter the property market and worried about how you’re going to secure your first home loan? It’s time to start making your money work for you so you can land that loan.

Qualifying for a home loan isn’t always an easy path. Aggressive interest rates, competition in the market and less than rigorous saving habits can often push people out of the property game completely – but it shouldn’t.

Looking for ways to pay off your mortgage in record time? Whether you’re a seasoned investor or buying your first home, an offset loan can help you reduce interest payments, save on tax and pay your mortgage off years ahead of schedule.

With an offset loan, the borrower takes out a home loan and opens a linked savings or transaction account. The balance in the savings account is then “offset” daily against the home loan. So instead of receiving interest on your savings account each month, the account balance is offset against your home loan, reducing the amount of interest you pay over the life of the loan. This means you pay more of the loan principal off faster.

Are you thinking of purchasing a property? Whether you are looking for a home or an investment loan, here are some things you need to do before applying for a loan.

This article will help you understand what Lenders are looking for in a customer. How to be the customer they want to deal with and extend credit to.