Find home loan options and calculators

If you’re a first-home buyer, they will also check that your deposit has been accrued over time. According to our analysis of more than 20,000 Money.com home loan customers, the average home loan applicant earns $126,000 per year and is looking to buy a home valued at just over $1 million. Just under 55% of home loan applications are from joint applicants, with 45% applying as an individual. More than 85% of those applying for a home loan are full-time employees.
In a complex scenario like this, getting personal advice from a mortgage broker and an accountant is a really good idea. We like this home loan package because it comes with the extra features of a home loan, neatly tied up into one convenient product. Borrowers can take advantage of not just 1 but 10 offset accounts, meaning they can keep track of their money while saving as much as possible on interest. Having a broker negotiate finance on your behalf is the smart way to go as they look to save you time, stress and money. You might still be saving for your first home, wishing to use the equity in your current one, or wondering if you’re getting the right possible deal with your existing lender. There are lots of good reasons why more than half of Australians now use a broker to secure a home loan.
Additional assistance is also available to customers in remote areas or Bad Credit Home Loan Broker Perth who are relocating to a remote area. We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.

With an ANZ Standard Variable home loan and ANZ Simplicity PLUS home loan there are no fees applied to extra repayments, so you have the option to make additional payments to pay off your loan faster. Note that if you have a fixed rate loan, early repayment costs may apply if you make early or additional repayments. You may request a personalised Key Facts Sheet to help you compare and select the most appropriate loan for you.
Do your research, get professional advice and understand loan products available to you and explore all your options. Your level of income, level of savings, household budgets, and any changes to your circumstances in the future are all key factors in determining what loan type is best for you. Our  Tiimely Own digital home loans focus on the features most borrowers want, without layering on complexity.
This type of personal loan offers access to funds as you need them, allowing you to withdraw additional funds as required. The benefit is that you only pay interest on the money you use and not the total amount borrowed. Another good thing is that there is no need to reapply for another loan when you need more money, you can redraw on your available balance.

Although the land size was a concern for the bank, Mark had  plenty of equity so they were able to consider his application. This is because from the lender’s perspective, a lower LVR carries less risk. Plus, a lower LVR means you’ll have more equity in your home from the start. Find out more about LVR and what it means for your home loan.
Because of this, the repayments on this type of loan may go up and down depending on the lender’s discretion, which can make it difficult to set a budget. Benefits of this type of loan include if interest rates decrease, your repayments will be less, and in general variable rates are usually lower than a fixed rate. However if the rate increases your repayments will rise as a result. Our standard variable rate for unsecured variable rate loans is 14.99% p.a.

Once you have a clear understanding of your financial situation, it’s time to explore refinancing options with various lenders. This may involve comparing interest rates, fees, and loan features to determine which option aligns best with your goals. Engaging with a mortgage broker can simplify this process by providing access to a wide range of lenders and helping you navigate the complexities of refinancing. The home loan calculators are intended as a guide only based on the information you input. Interest rates and repayment amounts are subject to change.
You’ll make interest-only repayments during the construction period, paying interest on the amount drawn at each stage. Once construction is complete, the loan will usually revert to a standard principal and interest structure, helping you manage repayments efficiently. Adelaide Bank is a leading Australian financial institution that provides a range of banking and financial services to individuals, businesses, and agribusiness clients. As a subsidiary of the Bendigo and Adelaide Bank Group, Adelaide Bank offers a comprehensive suite of products and services, including deposit accounts, loans, credit cards, and financial planning solutions. Existing fixed loans are not eligible unless the loan is re-fixed.