The Home Loan Company is qualified to write loans across a whole range of lenders including all the major banks and many other financial institutions. This is a general overview of just some of the home loan solutions that may suit your needs:

Investment Loans

Looking for an investment opportunity that will help to increase your portfolio?

An investment loan could be that option to help you get there and secure your families future. We have a full range of lenders and specialised software to help you decide on the most suitable loan for you. We can even arrange a loan for 100% of the purchase price and costs subject to certain conditions.

SMSF Loans

Did you know you can borrow to purchase property in your Self Managed Super Fund (SMSF)?

SMSF borrowing is now possible provided you follow strict compliance rules. As a Mortgage Advisor Peter Beverley is accredited with all the major lenders offering these loans and well placed to guide you through this process.

Renovating or Rebuilding?

Thinking of renovating but think that it's not worth it?

If you love where you live and want to rebuild we offer a range of loans to help you. We start with what you can afford and help you tailor your budget making you aware of all the costs of renovating or knocking down your existing house and building the house of your dreams.

Bridging Loans

Is your home becoming too small for your family?

We can arrange bridging finance so that you secure your purchase now and sell your home later. Relocation loans can also help you make one move from your old home to your new home.

Construction Loans

Looking at buying land and need a progressive draw down loan to save you money?

These loans provide for the purchase of vacant land and subsequent property construction, whether for owner occupied or investment purposes. Construction loans are usually offered on the standard variable interest rate but the borrower is only charged interest on the amount that the loan account has drawn for release to the builder at that point in time. Some basic variable interest rate loans also have a construction option available. Some of our products advance over 95% of the land cost at settlement to assist your cash flow or until you receive the First Home Buyers Grant.

First Home Buyer or Need a Deposit Loan?

Want to get in to the property market but find it difficult to save for the deposit?

The Home Loan Company can arrange a loan for 97% of the purchase price for your property. To qualify for this offer you will need to be gainfully employed and able to service the loan repayments. Although we offer you 97% of the purchase price, you will need to contribute for the stamp duty, lenders mortgage insurance (may be added to the loan with some lenders) and legal costs. For first home buyers you can use your Government Grant to help you get there. Gifts, or other loans may also be used to assist you with the upfront costs.

Self Employed / Low Doc / No Doc Loans

Finding it difficult to get a loan because you're self employed?

While you have equity on your existing property we can help you find the most appropriate loan to meet your needs.

Generally, the more you can disclose the better the interest rates, and lower the costs of getting the loan. We can guide you through the most complex of product areas using up to the minute software.

Non Conforming Loans

Non Conforming loans have been designed to help borrowers who do not meet standard lending guidelines. This includes borrowers who have an impaired credit, are unable to provide the usual documentation required in support of their loan or simply do not meet the lending criteria of mainstream lenders.

Reverse Mortgages

These type of loans are primarily for clients who want to use the equity in their home to supplement their retirement income. The loan can be paid in a lump sum or in installments and the lender recoups the payments from the sale of the property when the borrower sells the home or moves out.

Deposit Bonds

A Deposit Bond can be a quick and efficient way of arranging the deposit for the purchase of a residential property. Arranging a cash deposit may take time, especially if the purchaser has not sold their current property or needs to sell investments to raise the required deposit. Deposit Bonds help purchasers, whether investors or owner occupiers to buy their chosen property without cash constraints.

What Can I Do Now?

Contact us or call 1800 24 23 24, from 8AM to 8PM, 7 days a week to find out more