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Submitted URL: https://ablink.email.realestate.com.au/ss/c/br-kq46xpTdkca2Tddeo1QFbuH8sNn-XRQkqFpR2_J1g-OplbqNr_F3IwXs9-J7vAsS-QtgjA6HO9r8qh_yTJQXMhNg...
Effective URL: https://www.realestate.com.au/home-loans/?campaignType=external&campaignChannel=edm&campaignSource=braze&campaignName=finx_enq...
Submission: On January 20 via api from CA — Scanned from AU
Effective URL: https://www.realestate.com.au/home-loans/?campaignType=external&campaignChannel=edm&campaignSource=braze&campaignName=finx_enq...
Submission: On January 20 via api from CA — Scanned from AU
Form analysis 2 forms found in the DOM
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<p>Thanks for your request. Stephanie, our home loan adviser will be in touch soon.</p>
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<p>Sorry, looks like there has been an error. Please try again on our <a href="https://www.realestate.com.au/home-loans/contact">contact page</a>.</p>
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<label class="state-check__label" for="state">I'm in Western Australia. Check the local time before you call.</label>
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Sign in Join logo * Home * Compare home loans * Mortgage brokers * Calculators * Mortgage Calculator * Borrowing Power Calculator * Refinance Calculator * Stamp Duty Calculator * Reverse Rent Calculator * News * Interest Rates * Property Market * Guides * COVID-19 * First home buyer * Next home buyer * Investing * Refinancing * Selling * Home loan basics * About us * Contact us BE SMARTER WITH YOUR FINANCES AND SAVE ON YOUR HOME LOAN Whether you're buying or refinancing, let us help you find the right home loan and buy your dream home. Monitor and track your home loan with our Loan Tracker and get notified when you can save. * Step 1Calculate your equity * Step 2 Track your home loan * Step 3Get notified and save Track Now EXPLORE YOUR HOME LOAN OPTIONS COMPETITIVE RATES With over 4,000 loans to compare you can find a home loan that’s right for you. Compare home loans HIGHLY EXPERIENCED Over 1,000 mortgage brokers nationally helping people like you secure home loans for more than 30 years. Find a local broker FAST, SIMPLE & DIGITAL Get started in minutes, explore our range of products, and find the one to suit you! Products issued by ubank, part of NAB. Credit criteria apply Find out more TAKE A SHORTCUT TO YOUR NEW HOME Our mortgage brokers will help you find the right home loan to get you moving sooner Get Started SEARCH, FIND AND FINANCE WITH REALESTATE.COM.AU HOW MUCH CAN YOU BORROW? Easily find out your maximum borrowing power so you can start your property journey. Calculate your borrowing power GET MORE OUT OF YOUR CALCULATIONS Use our handy calculators to crunch your numbers and work out where you stand. View calculators UNDERSTANDING HOME LOANS Our guides will provide you with the information you need to take the next steps. Read about home loans STILL HAVE QUESTIONS? * Enter a postcode to find mortgage brokers near you. Postcode Find a broker * Sam Ghoreyshi Mortgage broker Based in Sydney See more details Request a call back * Ryan Pappas Mortgage broker Based in Sydney See more details Request a call back * John Chappelow Mortgage broker Based in Sydney See more details Request a call back * Chris Gennusa Mortgage broker Based in Denham Court See more details Request a call back * Trent Harvey Mortgage broker Based in Tomakin See more details Request a call back * Not sure who is best for you? Our experts can help you connect with the right broker. Request a call back * Whether you are refinancing or investing, Mortgage Choice brokers are with you every step of the way. View more brokers CHOOSE FROM A RANGE OF LENDERS * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * See all lenders FREQUENTLY ASKED QUESTIONS WHAT ARE THE ADVANTAGES OF USING A MORTGAGE BROKER? The advantages of using a broker come down to saving you time and effort. The benefit of using mortgage brokers over dealing directly with banks and lenders is that the broker takes out the hassle. Instead of spending excessive amounts of time shopping around for a deal that really meets what you need by comparing all the different offers out there, a broker handles all the negotiation and paperwork for you. WHAT ARE THE ADVANTAGES OF USING A BANK FOR MY HOME LOAN? The advantages of using a bank for your home loan is convenience. If you already have a good idea about the home loan you are after, you may choose to deal directly with a lender of your choice. Make sure you “shop around” by comparing different lenders and home loan products, check loan interest rates, fees and features to decide on what works the best for you. A home loan is a long-term debt, so even a small difference in interest adds up over time. WHAT ARE THE DIFFERENT TYPES OF HOME LOANS? There are 10 different types of home loans you need to know about. 1. Variable home loan 2. Fixed rate home loan 3. Packaged home loan 4. Basic home loan 5. Principal and interest home loan 6. Interest-only home loans 7. Guarantor home loans 8. Lines of credit 9. Construction loans 10. Bridging loans Click here to learn more on the benefits of each home loan and which would suit your position better. HOW MUCH CAN I BORROW? Before you begin your property search, you should have a good understanding of how much you can borrow. The easiest way to do this is to use a borrowing power calculator. While a borrowing power calculator doesn’t guarantee the loan amount a bank is going to lend you, it provides a reasonable estimate of how much you could spend on a property. If you want to be more certain about what amount a bank is willing to lend you, applying for conditional approval is the next step you could consider. Banks calculate your borrowing power based on your household income, your expenses, your reason for buying the property, the size of your deposit, your credit history, and an analysis of the property itself. HOW TO CHOOSE THE RIGHT HOME LOAN? Before choosing a home loan, think about how much money you need and how you want to pay off this loan. Once you have the answers to these questions, look at the types of products available and the pros and cons of each for your particular needs. When deciding on a home loan, check the interest rate, fees and features to weigh up what's right for you. An interest rate even 0.5% lower could save you thousands of dollars over time. Offset account, redraw or line of credit facilities can help reduce the amount of interest you pay, but can come at a higher cost. Use our tool to compare over 4000 homes loans from over 35 lenders and explore your options. GET IN TOUCH TODAY Our home loans concierge Tyla is here to help. Thanks for your request. Stephanie, our home loan adviser will be in touch soon. Sorry, looks like there has been an error. Please try again on our contact page. Name Phone Get in touch I'm in Western Australia. Check the local time before you call. -------------------------------------------------------------------------------- Privacy collection statement We will pass your details to a mortgage adviser so that they can get in touch with you. Our Privacy Policy explains how we store personal information and how you may access, correct or complain about the handling of your personal information. LATEST PROPERTY AND HOME LOAN NEWS Latest rate hike sees sub-6% home loans dry up How to get a home loan discount without refinancing Government reissues unused First Home Loan Deposit Scheme guarantees View more news Important information Credit authorisation information realestate.com.au Pty Ltd ACN 080 195 535 (REA) is a credit representative (484305) of Smartline Operations Pty Ltd ACN 086 467 727 (Australian Credit Licence 385325). Please refer to our Credit Guide for information relating to our activities. About home loan specialists The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. REA can connect you with our referral partner ubank, part of National Australia Bank Limited ABN 12 004 044 937 (AFSL and Australian Credit Licence 230686), or introduce you to a mortgage broker accredited with either Mortgage Choice Pty Ltd ACN 009 161 979 (Mortgage Choice) (Australian Credit Licence 382869) or Smartline Operations Pty Ltd ACN 086 467 727 (Smartline) (Australian Credit Licence 385325), who can talk to you about home loans from a range of lenders. Mortgage Choice and Smartline are wholly-owned subsidiaries of REA. Your broker will advise whether they are a credit representative of Mortgage Choice or Smartline. * 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, the product may not include all the features relevant to you, and not all products are available in all states and territories. ^ Comparison rates are based on a loan of $150,000 over a term of 25 years. Interest rates subject to change. 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. 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