Bank of Sydney zero application fee

http://www.banksyd.com.au/en-Home-Loan

Expect More Home Loan Package

Bank of Sydney’s highly competitive interest rate of 5.44% p.a.* along with the flexibility and benefits of a transaction offset account facility are the attractive fundamentals of the Expect More Home Loan Package.

Variable Rate Home Loan

If you want competitive interest rates and the opportunity to pay off your home loan faster, without any penalties, our Variable Rate Home Loan is the right choice.

Expect More Fixed Rate Home Loan

Low Doc Home Loan for the Self Employed

Low Documentation Loan (Low Doc) that can be personalised to cater for self-employed customers who cannot supply financial statements or tax returns. Home Equity Maximiser

The Home Equity Maximiser lets you turn the equity in your home into a line of credit. So, if you already own a home and would like access to additional funds, this is the solution.

LjHooker Home Loan Sydney South West

http://sydsouthwest.ljhookerhomeloans.com.au/

As one of Australia’s largest real estate brands, we know the business of buying, selling and managing property inside out. So it stands to reason we bring this experience to property finance.

At LJ Hooker Home Loans, whether you’re a first time buyer or looking at ways of expanding your investment portfolio, we will tailor our advice and recommendations to your needs, helping find the right product for you. Home loans, bridging loans, construction loans and lines of credit; we have access to over 300 different products from more than 20 providers.

We even have our own branded, award-winning LJ Hooker home loan range!

Economy Home Loan low-cost lender since 1985

http://economyhomeloans.com.au/

Economy Home Loans are a low-cost lender, providing some of the best value home loans in Australia. Economy Home Loans offers great alternatives for first home buyers and investors alike – alternatives for anyone who is tired of paying more than they need to for their money.

Economy Home Loans is a brand operated by Loan Market Group, one of Australasia’s largest family owned mortgage brokers.

Where does Economy Home Loans source its funding from?

Economy sources wholesale funds from RESIMAC Limited (“RESIMAC”); a respected wholesale funder, originator, servicer, and securitiser of loans which has been successfully operating in the Australian finance industry since 1985.

RESIMAC is the pioneer of Australian RMBS, being the first issuer in 1988 and since then has issued over $11 billion through 16 domestic and international RMBS issues, demonstrating its enduring presence as a leading non-bank issuer in Australia.

Australian owned with head quarters in Sydney’s CBD, RESIMAC is supported by key strategic partners including Perpetual Trustees, Bank of New York Mellon, National Australia Bank, Deutsche Bank and Barclays PLC.

The RESIMAC team maintains a prudent and disciplined approach to risk and underwriting, product design and compliance. Understanding the needs of our customers and originators is central to all strategic decisions made by both our Executive Management and Board.

We pass the savings on to you.

Without the expenses associated with a branch network, Economy Home Loans is able to pass on cost savings to you, while still offering you great service through a team of mobile lenders and online and phone service support consultants.

Qualified and Experienced Mobile Lenders.

Economy Home Loans offers you the personal services of an experienced mobile lender, who will visit you anytime – whatever suits you, 7 days a week.

Available Across Australia

Economy Home Loans are available in Victoria, New South Wales, Queensland, Western Australia and Tasmania.

Call us now on 1300 355 595 and talk to us about how to find a better home loan.

VirginMoney Home Loan eChoice Limited Time Offer

http://virginmoney.com.au/home-loans

Save time and money with eChoice

We're still here for our existing Virgin Money Home Loan customers, but for those that don’t currently have a home loan with us, we've teamed up with one of Australia's leading online brokers, eChoice, to help you save time and money searching for a home loan.

eChoice's experienced team has access to all major lenders and will search the market free of charge to find the right home loan for you. They will help you lodge your application and will then work with you and your chosen lender right through to the loan being settled.

Searching made easy
Just click through to eChoice's online application and tell them a little bit about yourself and what you're looking for. They'll then give you a call to discuss your options.

Home Loan Basics 101

Looking for home loans in Sydney? We aim to compare and select best mortgages. Low doc or bad credit does not matter. A cheap rate loan you could payoff quickly is our choice. We are flexible to offer you what you need, cheap mortgage refinance will help you save money.

Looking for home loans in Sydney? We compare and select best mortgages @ cheapest rates. Low doc or bad credit does not matter. A loan you could payoff quickly is our choice. We are flexible to offer you what you need, cheap mortgage refinance will help you save money.

Some lenders offer home owners loans with high loan to value ratio. They believe a mortgage on a property is a better security to hold than any other asset.
Supply and demand of houses will impact the value of security held by a lender. They will therefore offer loans to those who has a stable employment history and who could afford a loan to avoid a market crash.
Sydney Home Mortgage Loans offer all type of mortgages. They have experience to assess your requirement and to apply their knowledge to overcome your barriers, resulting best outcome for you.

A customer with full income disclosure will request for a full doc home loan. You need 2 years of stable income as per tax returns. Also you need to prove you are still in employment by producing last 3 payslips. Self employed with tax returns will use BAS or Accountant’s certification to prove current income.

A Self employed with no tax return is more also can apply for home mortgages. It is hard to assess their income level which may fluctuate frequently. If they are ABN holders with GST registration, a lender may consider them for a mortgage based on BAS, a low doc loan. Legal requirement for BAS is over $75000 annual income. Therefore some clients may not fill BAS periodically. Such customers can prove income by showing Bank Account, yet some may confirm income by Accountant’s certification or Self Certification. Some lenders may not accept income proof using high risk methods while some do. We deal with many banks & private mortgage lenders that help us to cater variety of customers Australia wide.

Major Banks and a several small lenders do not offer you loans if your credit file is not satisfactory. Please visit www.mycreditfile.com.au to find your details. Then there are other private lenders who will offer you a bad credit loan and will charge extra fees against the additional risk. Higher the LVR more will be the fees and interest rates. We deal with both types of mortgage lenders. There are lenders who may overlook small paid defaults.

Home loan broker will find best mortgage for you. They also have access to car loans and other type of funding. MFAA registered brokers are qualified. They have many years experience to compare mortgages and to select cheapest. Home loan brokers work under Australian Credit Licence issued and monitored by ASIC. Please be feel free to CONTACT US.
A mortgage lender will also look for what other attributes will minimise their risk. Certain areas are very popular among customers. There is a good chance the property will be sold quickly for a reasonable price in such suburbs. That is where they like to have more home loan customers. Then if something go wrong in the area, all properties will get affected with that, so they will always maintain a balance. Normally high LVR is allocated to certain type of suburbs and certain type of houses only.

Now you will understand why lower LVR applies to small apartments, commercial properties and rural homes. They take long time to sell, lenders like to recover quickly. Unless you have a substantial amount of money towards your asset, this type of property is not for you.

You may be thorough with loan process now. Please be confident to speak to one of our consultant and obtain your 95% home loan, bad credit Home mortgage, low doc mortgage loan or any other, we are here to see your success. We also deal with caveat loans but currently they are only income generating purpose, for investors.

Oxygen home loan McGrath Estate Agents Subsidiary choose from 20 lenders

www.oxygen.com.au

There is nothing more frustrating than trying to integrate your finance needs with buying property so that the timing works for you, not the bank. Buying property can be stressful enough as it is.

Now we can offer you a range of home loan choices with over 20 lenders to choose from – through our home loan division, Oxygen Home Loans.

Oxygen is a wholly owned subsidiary of McGrath Estate Agents, letting you raid the best minds in the business for fresh thinking on what the best home loan is for you – in the strictest confidence. And because we don’t have our own home loan product to sell, you’ll get impartial thinking, 100% of the time.

We are serious about the marriage between finance and property, so we can help you with your home loan requirements, regardless of whether you purchase a property through McGrath.

Visit Oxygen now, at www.oxygen.com.au. Or, if you’d like to discuss your needs in person, call 1300 855 699.

Our phone lines are open Monday to Friday 8:30am - 5:00pm.

Or you can send an email to: oxygen@oxygen.com.au

McGrath Oxygen Home Loans Pty Ltd ABN: 46-103-177-377 Australian Credit Licence No: 390351

1300 Home Loan Mortage Broker largest in Australia

http://www.1300homeloan.com.au/

1300 Home Loan Mortgage Brokers in Australia

1300 Home Loan is one Australia’s largest, fastest growing and respected mortgage broker company. We have handpicked the leading mortgage brokers Australia wide to ensure our customers get the best advice when making one of the most important financial decisions in their life. Every 1300 Home Loan mortgage broker is privately owned with their names on their door so they only have your best interests at mind. In total we have 200+ mortgage brokers Australia wide in cities including Melbourne, Sydney, Brisbane, Gold Coast Perth & Canberra. We also have mobile and online mortgage brokers who can assist in rural and remote areas.

Every 1300 Home Loan mortgage broker has access to hundreds of different home loans from the big 4 banks to non-bank lenders who can often offer more competitive products. So, if you're looking for friendly guidance based on what's right for you, and your future, we can support your goals. View our mortgage brokers by state and contact us to find the right home loan with our quick 30 second form. If you’re buying your first home, looking to invest or refinance its always worth booking a free appointment with one of our mortgage broker to be certain you’re saving with the best rate and features on your home loan.

Smart Search Finance 5 year fixed rates 5.27%

http://www.smartsearchfinance.com.au/

Professional Mortgage Advice

Licensed and experienced mortgage brokers ....

Free mortgage service for all Australian's. Experienced and qualified mortgage brokers will help you compare hundred's of loans from Australia's leading lenders to help you find a loan best suited to your finance needs. We offer ;

Home loans from 5.13% variable ongoing rate, offset, redraw and extra repayments

Property investment loans and commercial finance solutions from multiple lenders

Compare hundreds of non bank & bank loans - includes ANZ, CBA, NAB & Westpac

Low Doc Loans available for self employed borrowers

Mortgage brokers Australia wide and loan advisers registered with ASIC, MFAA and FBAA

Mortgage calculators and many other online mortgage tools

Negotiate better rates for new purchases or refinancing even with your current lender

Friendly helpful advisors to speak to over the phone, via email or in person

Bad Credit home loans provider sydney

http://badcredithomeloanssydney.com/

Life doesn't have to feel like this!

Creditors chasing you?... Falling behind with the Mortgage...? Facing Bankruptcy?... Struggling with Cash Flow?... Need funding or to restructure?...

Have you been declined by the banks?
When the banks say no, give Bad Credit Home Loans Sydney a go!

If you have been declined by a bank it’s probably because you do not meet the credit criteria of the traditional lenders. Just because you have credit defaults, judgements or arrears on your current or previous mortgage, does not mean you won’t qualify for a loan, it just won’t be with a traditional lender.

We may have an affordable solution for you!

So if you have credit issues, credit defaults, judgements, arrears or you are self employed and have “lumpy” inconsistent income, Bad Credit Home Loans Sydney may still be able to help you. Take a look below at some of the types of people we have helped below to see if we may be able to help you.

Are you self employed and having trouble getting approved because of your income or a bad credit history?
Are you self employed without working capital for a verified purpose
Are you self employed with a lack of up to date financials?
Are you self employed with an ABN less than 2 yrs old?
Are you being squeezed by high credit card interest rates?
Do you need to consolidate your debts, lower your interest rate and lower your loan repayments?
Are you having problems trying to refinance because of mortgage arrears?
Are you considered a high risk by the finance industry because of financial problems in the past?
Are you looking for a plan to help you get back on track?
If you have answered yes to any of the above questions then click here to contact us. Depending on your situation, Bad Credit Home Loans Sydney may be able to help you.

ECON financial services home loan 100% offset account

http://econfs.com.au/

When dealing with us you have access to over twenty (20) different lenders which offer a wide array of products. We will find a product to suit you.

It is important to choose a company that adheres to the highest professional and ethical industry standards when making the biggest financial decision of your life.

We are part of the Professional Lenders Association Network of Australia (PLAN), the Mortgage & Finance Association of Australia (MFAA) and the Credit Ombudsman Services Limited (COSL), so you can rest assure you are in good hands.

Offered by >20 lenders
Either variable, fixed or a combination of both loans
Packaged loans with fully featured 100% offset account and creditcard or Basic ‘no frills’ Loans
Borrow up to 97% of purchase price, borrow to 90% for refinance
Available for Owner Occupied or investment purpose
Debt consolidation
Principal and Interest or Interest only repayments
No penalty for lump sum additional repayments (variable Loans)
Redraw facility to access payments made in advance
Lending for Self Managed Superannuation Funds

QuickDirect Online Mortgage Basic Variable 4.9%

http://www.quickdirect.com.au/

QuickDirect home loans are online to save you time, money and hassle. Here's why:

Quick by name, quick by nature
At QuickDirect in the vast majority of applications once we have received your signed full application and all the required supporting documentation from you we can issue approval in around 48 business hours if you havent already found a property, or an additional 24 business hours if you have already found a property (or are refinancing) and the Valuer has conducted and returned a Valuation report – ask any other lender you are considering what their approval time is!

Deal Direct and Save
Utilising a cost effective internet business model that doesn’t have to pay branch overheads simply means we can provide a better deal on your home loan. We team up with established funding partners to provide you with low interest rates (variable or fixed) no matter how much you borrow.

Convenience and Flexibility
Being an online mortgage provider means that you have the flexibility to use our calculators for your research and obtain your online Pre Approval with us from the convenience of your pc or laptop – no matter what the time or where you are!

Once you have had your initial conversation with an Online Mortgage Consultant they will look after you from that point through to settlement – however you may never need to call them again because with us you can track the progress of your applications online via your personal login and have the flexibility to conduct your ongoing relationship with your Consultant via email at a time that suits you and feel confident that they will respond to you as soon as they can.

Of course should you choose to deal with your Online Mortgage Consultant verbally you can as you will have their direct number so you will always have the ability to speak to them direct during office hours or leave them a message at any time when they are not available.

Importantly, whichever way you choose to deal with us rest assured you will always be advised of the progress of your loan by your Online Mortgage Consultant as soon as they are made aware – from receipt of your application through to formal approval and settlement.

Some Simple Home Truths!
We could employ and advertise the availability of staff 24/7 like some other lenders however this would incur the associated high costs that would need to be factored into what we can offer you with regard to interest rates, fees and charges – and the simple fact is the majority of those involved with the processing of your loan with any lender are only available during core business hours – including credit specialists, independent valuers, mortgage insurers and any legal representation such as conveyancers and solicitors.

As such there is no real benefit in speaking to someone at 9pm at night or on the weekend if they cannot speak to the relevant person until the next business day!

We will never hassle you!
At QuickDirect we do not believe in hassling our customers – you are always in control as we will always seek agreement with you on when you want to be contacted and act on your wishes!

Clear & Easy to Understand Products
We are determined to provide Australians with simple and easy to understand home loan products that only include the elements you want such as the ability to make early repayments, free redraw and easy access to your account information. We won’t ever complicate the process and confuse you with similar products that basically represent the same thing.

No Hidden Loan Fees or Charges
We have no application fees, no valuation fee, no settlement fee, no redraw fees, no additional repayment fees and no monthly account keeping fees for standard applications.

There are no fees associated with the QuickDirect pre-approval process. Wherever possible, we try to keep it simple and avoid charging fees to our customers, however in the unfortunate situation where you need to pull out during the formal application process costs may apply. See more information about loan fees and charges.

Technology to make life easier
At QuickDirect we use the internet to make applying for a loan and managing your account easier. For example when you are in the QuickDirect five step process you have access to online tracking that allows you to view your details, account status as well as the next step in the process. This transparency reduces any stress or uncertainty traditionally associated with getting a home loan and most importantly puts you in control (plus we are always available if you want to chat through any of the steps).

Get Instant Home Loan Pre-Approval
Applying for a QuickDirect loan is simple, convenient and fast with our 5 easy step online application form Apply for a home loan now. Or alternatively call us on 1300 79 69 80.

Mortgage Broker Parramatta, Castle Hill & Hills District Home Loans Instant Approve

Simplest Home Loans in Parramatta!

So you want to buy your own home – congratulations! Buying your own real estate is one of the greatest joys in life. But securing a good home loan and mortgage is not easy… or is it? With Parramatta Home Loans, it is!

A Great Deal on Your Home Loan

At Parramatta Home Loans, our team of mortgage brokers will work day and night to find you the best home loan with the most competitive rates. We deal with all major lenders, and after thoroughly understanding your unique financial situation, we'll find you a home loan you'll love! Reliable, great value and with no hidden costs – that's the Parramatta Home Loans guarantee.

Why choose Parramatta Home Loans? There are so many reasons!

Reliable service
Competitive rates
Simple, easy-to-understand loans
Connection to all major lenders
No hidden costs
The Best in the Business for Mortgage Broker Parramatta

Naturally, we're a fully registered mortgage broking business with all applicable ASIC registrations, Credit Ombudsman and MFAA memberships. There's nothing we don't know about when it comes to home loans in Mortgage Broking in Parramatta. We conveniently service Parramatta, Northwest & the Hills District including Castle Hill, Baulkham Hills, Kellyville, Cherrybrook, West Pennant Hills, Bella Vista & surrounding suburbs.

Sydney crippled by mortgage repayments

Sydney households are spending three quarters of their average monthly income on mortgage repayments. A survey of global cities found that Sydney residents spend a greater percentage of their income on mortgage repayments than any other city. New York residents spend, on average, less than half of the monthly income on mortgage repayments, while London residents spend less than two thirds.

The Sydney median house price is $626,444 with residents spending as much as $4,123 on monthly mortgage repayments. The RBA’s head of financial stability department, Dr Luci said rising property prices were forcing Sydneysiders to spend more of their income on mortgage repayments. The growth in dwelling prices has reduced over the recent months with the more expansive suburbs showing the highest result, Ms Ellis said.

Rams home loan sydney 2013 award winner

Why choose RAMS
More choice. Greater flexibility.

Personalized
RAMS has developed a strong and award winning reputation for its range of innovative and flexible home loan products which offer home loan solutions for Australians.

RAMS offers transactional home loans, home loans for the self-employed and support programs for first home buyers.

RAMS’ fundamental aim is to provide real choice and better value to meet the needs of customers looking for a home loan.

The accolades speak for themselves
The achievements of RAMS’ dedicated team of staff have been recognised with many awards over the years including:

2013 Smart Investor Blue Ribbon Awards 2013 - Winner Best Online Saver Account
2012 Your Mortgage magazine, 'Best Non-Bank Intro Rate Home Loan' Award
2009 & 2010 Money magazine: Non-Bank Lender of the Year Award.
2009 Canstar Cannex 5 star rating: RAMS Basic Loan and RAMS 2, 3, & 5 Year Fixed Loans.
2009 Money magazine, Best of the Best Awards: 1st Cheapest Low-Doc Loans (2008 products).

https://www.rams.com.au

RESI home loan fixed rate 4.78%

http://www.resi.com.au/

Why resi?

We Are Here to Help You

Resi loan specialists have an unwavering commitment to helping each client achieve their individual financial dreams. We understand that a mortgage can be the biggest financial commitment of your life and when used correctly, can be an effective tool for wealth creation. We take the confusion out of lending, and help you to become a smarter borrower.

The resi Difference

Resi is a home loan specialist. That's all we do - so we do it well! We are not a bank or a broker who sells loans from other organisations. We are a lender that provides our own innovative products, unique personal service and low interest rates. You deal directly with the lender which saves you time, unnecessary cost and avoids any hassle by dealing with 3rd parties.

Our Commitment to You

We guarantee an unparalleled level of service. Our aim is to build a relationship to help you to move through the important investment stages of life using your mortgage as a tool to build equity and realise your personal financial goals.

Your own dedicated mortgage specialist will help you use your mortgage as a tool to achieve financial freedom.

Check out our award winning, low cost home loan products, and start saving on your home loan today!

SMARTLINE mortgage broker sydney 98% satisfaction

Your personal mortgage broker

It's simple - we know home loans. We're multi-award winning Australian mortgage brokers with over 300 advisers Australia wide including Sydney, Melbourne, Darwin, Hobart, Perth, Adelaide and Brisbane. Our expert advisers can help you compare home loans from over 25 different banks and lenders, ensuring you find the right loan for your situation. We'll manage the entire home loan process from loan application to approval. Simple.

Personal mortgage advice when you need it

Our highly trained Personal Mortgage Advisers can help you find the right home loan, whether you're buying your first home, refinancing home loans, upgrading or investing. We'll be there every step of the way!

We have helped over 200,000 Australians arrange their home finance and we're passionate about achieving a great outcome for every client. Our Advisers' expertise, combined with our specialist software, means that you get the right advice. It works – over 98% of clients say they would use us again.

http://www.smartline.com.au/

Property and Financial Solutions Home Loan Sydney Wollongong

Property and Financial Solutions are a new face of a business with  a well-earned reputation in the home loan industry since 1984, and can help find the right loan for you.

We can assist you with:

• Home Loans (Including first home loans)

• Investment loans

• No deposit home loans

• Vacant land and/or construction home loans

• Refinance and debt consolidation

• Commercial/business/development loans

• Non conforming loans / past credit problems

• Lo doc loans/self certifying loans (No financials)

• Private funding

• Equity home loans

• Leasing and commercial hire purchase

• First Home Owners Grant (FHOG)

• Personal loans

• Self managed superannuation fund loans

Our goal is to bring you customer service that you deserve, quick decisions and competitive rates. We have many lenders who can assist with any type of finance you require whether an individual, self employed, small business or a company, even if you have had credit issues in the past or no financial statements are available.

We represent a large range of clientele around Australia and when you contact us, you will deal with a director of the company; this guarantees you a quality of service second to none.

Our experienced accredited staff and directors are ready to assist you with any finance proposal you are considering.

PHONE

Wollongong 

1300 663 580

WHY USE MORGTAGE BROKERS

The right mortgage broker can assist you in determining the product that suits you well. There are a multitude of products out there many with varying advantages and disadvantages - not all of which you may be aware of. Our job is to lead you through the maze and find the correct product to best assist you and your current financial and personal circumstances. Give you the borrower - Choices We have access to many lenders and products. In fact we have access to over 700 loan products from Basic Home Loans to Professional Packages. Please use one of our online mortgage home loan calculators to find out what your borrowing capacity is. Once you have chosen which loan to go with, your assigned and dedicated mortgage broker will then assist you through the whole loan application to loan approval and settlement process, plus, your broker will continue to be there for you in the future when you need further finance, property and loan related advice or assistance. The result is the most appropriate loan for you! The difference could amount to tens of thousands of dollars over the life of your home loan, commercial loan or investment loan.

Bloomberg: Australia December Home-Loan Approvals Fall for Third Month

Australian home-loan approvals fell in December for a third month and the proportion to first-home buyers slumped to an eight-and-a-half year low as central bank interest-rate cuts failed to lure buyers into the market.

The number of loans granted to build or buy houses and apartments declined 1.5 percent from November, when they dropped a revised 0.7 percent, the statistics bureau said in Sydney today. The median estimate in a Bloomberg News survey of 16 economists was for approvals to remain unchanged.

Rate Cuts

The value of lending to owner-occupiers declined 2.7 percent, the report showed. The value of loans to investors who plan to rent or resell homes dropped 2.4 percent.

RBA Governor Glenn Stevens and his board in December cut the benchmark rate to 3 percent, matching the level set during the 2009 global recession. The RBA has lowered borrowing costs in six moves: 25 basis points apiece in November and December 2011, then 50 basis points in May, 25 in June, 25 in October and 25 this month. Still, the number of Australian construction jobs fell by 21,900 in the 12 months through November.

Concern about job security in Australia has curbed retail spending, which fell in the final three months of 2012, the longest decline in 13 years. Consumer confidence was little changed last month as households concerned about their finances shrugged off rate reductions, a private report showed Jan. 16.