- Home Finance
- Bridging Finance (buying and haven’t sold yet)
- Investment Property Finance
- Refinance to secure a better deal from a different Lender
- Debt Consolidation (refinance that short term unsecured debt)
- Property Development
- Release equity from your property / cash out
- Reverse Mortgage / Seniors Loan
- Consolidate your business debt into a consumer loan and start saving $$$
- Personal Car Loans
Note:
The banks generally assess affordability based on a higher interest rate of around 2.50%-3% above the prevailing rate and based on a P&I basis (Principal & Interest).
When purchasing a property in South Australia, government Stamp Duty Fees on the purchase are typically around 5% of the purchase price mark, as a guide (refer to the calculator below for a more accurate figure).
Standard documents required to proceed with a home loan application or pre-approval assessment
- Home Loan Enquiry Form (click here to complete)
- 3 recent payslips
- Personal Bank Account bank statement of the borrowers (showing last 2 months transactions)
- Personal Credit Card bank statements of the borrowers (showing last 3 months transactions)
- Existing Home Loan bank statements of the borrowers (showing last 6 months transactions)
- ID – Copy of Driving Licence (front & back) and Passport or Birth Certificate (all in colour)
- Purchase Contract if applicable
Please Note: We are required to sight original ID documents prior to loan documents being provided and in some cases prior to submitting the loan proposal for formal bank assessment.