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Find out the best interest rates available:

Owner-occupied Home Loan
3.65% p.a.      3.65% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions.
Investment Home Loan
3.99% p.a.      4.01% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an investment residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions.
Car Loan
7.25% p.a.      9.05% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants financing a motor vehicle on a secured consumer fixed rate loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications for finance are subject to normal credit assessment. Conditions, fees & charges apply. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions.
Personal Loan
7.95% p.a.      9.56% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *The interest rate is available to approved applicants getting a fixed rate personal loan over 60 months. The comparison rate is based on a 5 year secured fixed rate loan of $30,000. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Applications for finance are subject to normal credit assessment. Brokerage not included. Conditions, fees & charges apply.
Refinances available from:
3.65% p.a.      3.65% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions.
Pre-approvals available from:
3.65% p.a.      3.65% p.a. CR*
The fine print...
The information provided in this website is for general education purposes only and does not constitute specialist advice. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy. Whilst we aim to update our site frequently, interest rates change frequently, please contact us to confirm the latest offers. *Note: the home loan with the lowest current interest rate is not necessarily the most suitable for your circumstances, you may not qualify for that particular product, and not all products are available in all states and territories. The comparison rate provided is based on a loan amount of $150,000 and a term of 25 years secured by an owner-occupied residential property. Warning: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. Whilst we endevour to keep the information on this website up-to-date at all times, interest rates change daily - always confirm the current interest by calling 0466392717 before making any decisions.

The Home Buying Process Explained

There are multiple ways to navigate the home buying process; but, the most common and simple way looks a little like this:

The Home Buying Process explained in a simple flow diagram

Starting the home buying process

Talk to a Mortgage Broker or Banker

Whilst this step is optional, it is generally the best first step in the home buying process. By seeking advice on your home loan options first, it can give you an idea of whether you can get a loan, and what your maximum borrowing capacity is.

Get a home loan pre approval in place

Once again, this is optional, but a home loan pre approval can give you confidence moving forward, and also give you some certainty over how much you have to spend. Pre-approvals are free with the vast majority of lenders.

Find the Right Home

Time to go home hunting. Be sure to have a look at a multitude of properties and don’t rush the process. No questions are silly, so be sure to ask the Real Estate Agent anything you are unsure of, and get a full background on the property and be sure it's the right one for you.

Negotiate a Contract of Sale

Once you have decided on the property, the next thing you need to do is negotiate a “Contract of Sale”. Whilst almost everything on the contract is up for negotiation, the main things to keep an eye on are:

Get your Home Loan Approved

The next step in the home buying process is to get your home loan application submitted and approved. Talk to your Mortgage Broker about the process. If your home loan is not approved, despite your best efforts, you can talk to your conveyancer to request the contract is cancelled and your deposit returned – the seller will often ask for proof from your Mortgage Broker or Bank of this.

Building and Pest Inspection

It is your responsibility to organise a date, time and payment. Some inspectors will let you attend the property with them and ask questions as you go, others will not; but they will always produce a very comprehensive report to you, usually within 24 hours of the inspection. It is important to read this report carefully, and note anything that seems unusual or adverse – call the inspector for clarification if need be. If there is anything you are not happy with, you are best to talk to your solicitor, who can request the seller fix the problem prior to settlement, or reimburse you the cost of repair. You will need to be happy with the building and pest inspection before you can proceed any further with the home buying process.

Contract is Unconditional!

Once you have sorted your finances and building and pest, your solicitor will ask if you are happy for your contract to go unconditional. If you agree, there is no turning back, and you will be required to purchase the house for the agreed amount on the ‘date of settlement’.

Pay your Deposit and Government/Solicitor Fees

Many people don’t realise when you actually pay your deposit and government fees, but it is generally only 1 – 2 days before settlement. Your solicitor will let you know the exact amount required for settlement, and they will also give you the details of their trust account – where you must pay the money (not directly to the bank).

Settlement - The Home Buying Process is complete!

On your day of settlement, your solicitor will disburse the funds to the various parties involved, and then notify the Real Estate Agent. As soon as the Real Estate Agent receives confirmation of settlement, they will hand you the keys, the home buying process is complete and you can start moving your stuff in!

Last updated: 
06 January, 2018
       Author: 
Zak Avery