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Latest Home Loan News |
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Rates Plummet
All major lenders have agreed to reduce their rates immediately with the Reserve Bank cut. So far ANZ, Suncorp, AMP, CBA, Heritage and Westpac have all dropped their rates.
We expect more lenders to announce soon.
Fixed Rates Less Popular
Many observers claim that we have reached the top of the rate cycle, it's time to be careful not fixing for long periods.
Break fees on fixed rate loans can be prohibitive when rates are falling.
RAMS Drop by 0.90 %
RAMS have reduced their standard variable by 0.90 per cent. Their Rate Relief loan is 7.39%.
ANZ 3 Years Fixed Offer
ANZ have announced 3 years fixed at 7.69 or 1 year fixed at 7.59%.
Honeymoon Options
12 month fixed 8.19 or 2 year fixed 8.29% from National Australia Bank.
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We are Your Local Certified Mortgage Consultant Brokers with Local Support & Knowledge |
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As your local mortgage broker, we service the following local areas: Ashfield, Auburn, Bankstown, Baulkham Hills, Blacktown, Blue Mountains, Botany Bay, Burwood, Campbelltown, Cabramatta, Canada Bay,
Canterbury, Dee Why, Fairfield, Glendenning, Gosford, Hawkesbury, Hornsby, Hinchinbrook Hunters Hill, Hurstville, Kellyville, Lane Cove, Leichhardt, Lithgow, Liverpool,
Liverpool Plains, Manly, Marrickville, Mosman, Mt Druitt, Newcastle, North Sydney, Parramatta, Penrith, Pittwater, Quakers Hill, Randwick, Richmond Valley, Rockdale,
Rouse Hill, Ryde, Strathfield, Sutherland, Sydney, Waverley, Wentworthville, Wollongong, Woollahra and Wyong. |
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We provide local service where Professional Service, Honest, Competent and Practical Advice are Valued.
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As your local mobile lender, we provide home visits to All Sydney Suburbs: Quakers Hill, Oakhurst, Hassall Grove, Glendenning, Dean Park, Plumpton, Woodcroft, Blacktown,
Parklea, Acacia Gardens, Stanhope Gardens, Hills District, Glenwood, Lalor Park, Kings Langley, Hinchinbrook, Kings Park, Kellyville, Norwest, Beaumont Hills, Caste Hill,
Bella Vista, Winston Hills, Stonecutters Ridge, Marayong, Eastern Creek, Arndell Park, Wenworthville, Seven Hills, Prospect, Girraween, Doonside, Mt Druitt, Rooty Hill, Minchinbury, Ryde,
Erskine Park, St Claire, Colyton, Oxley Park, Claremont Meadows, St Marys, Orchard Hills, Kingswood, Wentworthville, Heckenberg, Baulkham Hills, Parramatta, Auburn,
Five Dock, Leichhardt, Marrickvile, Epping, Moorebank, Prestons, Casula, Penrith, Cambridge Park, Cranebrook, Werrington, Hawkesbury Heights, Richmond, Hoxton Park,
Mc Graths Hill, Westmead, Schofields, Rouse Hill, Kenthurst, Riverstone, Box Hill, Oakville, Vineyard, Bligh Park, Green Valley, Windsor, Marsden Park, Liverpool, Ingleburn.
Sydney Home Loan, Home Loan Choice, Mortgage Broker, immigrant, migrant home loan, temporary resident, 457 visa, migrant, Home Loan Centre, Blacktown Home Loan, First Home Buyer, First Home Owners Grant, $14000, $21000, $24000, First Home Advice. |
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Home Loans Specialists, Sydney, Australia.
Purchasing a home is possibly the biggest investment you will ever make in your lifetime. Your home stays with you for the rest of your life and we, at The HOME LOAN OFFICE™, strive to make the buying and improving of your home as easy as possible.
We are a “Solutions Service” mortgage broker and will help you obtain the suitable home loan based on your needs, not based on the "best advertised interest rate" and not ignoring the fees dimension. We are not a lender therefore do not promote banks or other lenders, but deal with banks and non bank lenders of high reputation for consistent product offering, consistent interest rates and consistently high levels of customer service.
At
The HOME LOAN OFFICE™, as the name says, we specialise in home loans, and consider every customer's needs individually and confidentially. We serve you through every stage of the lending process, from our initial meeting to selecting your home loan and approval, to the day of settlement and most importantly after the settlement for many years to come.
Our mission is to be your lending services partner providing the best ongoing service in financial services. We aim to achieve this through our Simple but Honest philosophy of Skill, Care & Diligence.
We offer the full range of mortgage products available in the market; ranging from fixed rate home loans, low variable rate home loans, no deposit home loans, combination fixed / variable split home loans, All in One home loans, Professional Packages, Basic home loans with 100% Offset, discounted rate home loans, introductory rate home loans, honeymoon home loans, long honeymoon home loans, lines of credit home loans, construction home loans, house and land package home loans, equity access home loans, no doc home loans, low doc home loans, bridging home loans, renovation or home improvement home loans, debt consolidation home loans, guarantor home loans, Shared Equity home loans, for first home buyers, upgrading home owners, investors and refinancers.
We keep abreast of changes in legislative requirements, mortgage lending policy and mortgage insurance policy, lending services, home loan products and interest rates, lenders' service levels, and lenders' customer service quality issues and we use them for your benefit.
We offer Obligation Free Same Day Consultations in Sydney! If you are looking for a friendly and service oriented professional, whom you can speak to as your adviser, you may wish to Join our Satisfied Customers & Relax!
The Home Loan Office™ has assisted countless borrowers in Australia get the right home loan that not only meets their needs now but also in the future.
Would you like to have a brief discussion with us to see if we can help you? Please call us or Make an Inquiry. You can be assured of our prompt attention and we are contactable 7 days a week.
We Deliver Your Solutions 7 Days a Week.
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We have all the Home Loan Services & Tools you need.
First Home Buyer Advice & Help
Property Investment Advice & Help
Current Home Loan Assessments (Home Loan Health Check)
Home loan Pre Approvals
Refinancing Options
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How do we help you with home loans?
Advising you on home loan borrowing limits ("How Much Can I Borrow?")
Choosing a suitable home loan for you, advising you of costs and deposit requirements
Qualifying & Preparing the application
Lodging the application with recommendations
Obtaining home loan Pre Approval
Meeting conditions required by lender
Obtaining Your Approval
Managing the lending process and liaising with you, lender, real estate agent and solicitors until settlement.
Maintaining services to you after settlement.
First Home Buyer Advice
Over the years we have become a specialist in helping people buy their
First Home with particular knowledge of
the No Deposit range of products (100% of purchase price).
Support and advice is needed most when you are looking to buy your First Home,
when suddenly you have to familiarise yourself with the Unkown. You instantly find yourself dealing with real estate agents, solicitors
and start hearing terms you have never heard before, cooling off, LVRs, torrens title, exchange of contracts. We know how you feel as we have all been there;
not only you have to juggle the sales pressure coming from the agent "I have several buyers who are very keen on this property, you may lose out if you don't hurry up!",
list of requirements coming from
the lender, and your solicitor finding issues with the property, "Did you know that your property is seriouly affected by easements?".
"Now what did those mean?" you may start asking yourself. There is no reason to start worrying if you are
getting Home Loan Office™ help you arrange your first mortgage and provide you support to buy your first home.
At the HOME LOAN OFFICE™ we really enjoy Guiding First Home Buyers
through the process and helping them at every stage of
buying their first home.
We provide first home buyers with the right advice and information on government assistance for first home buyers, such as First Home Saver Accounts (FHSAs)
and the application and processing of the $14000 or $24000 First Home Owners Grant and with Deposit Bonds.
More information on these topics are also provided in the Fact Sheets section of our web site.
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What to look for in a Mortgage Broker?
Reputation
You may often hear that the best way to find a reliable and credible mortgage broker is by a recommendation from someone you know and trust; your family members and friends. You can be assured of our service quality as most of our new customers are friends and family of our existing customers. You are welcome to read actual Testimonials from some of our recent customers.
Your home loan consultant has the required expertise and 5 years experience in home loans, and is an MFAA Full Member with Certified Mortgage Consultant status*.
All of our home loan consulting and clerical work is done in house and not out-sourced to third parties thereby protecting your PRIVACY!
We spend a lot of time researching
so you can Benefit from our Experience and Dedicated Service!
While we can arrange your finance from the largest Australian banks such as Commonwealth Bank, National Australia Bank, Westpac Bank, ANZ Bank and St George Bank;
we also provide finance from banks such as ING Direct, Citibank, AMP Bank, Adelaide Bank, Suncorp and Bankwest as well as credit unions, building societies and other non-bank lenders with a strong track record and reputation.
NEW ! BIG SAVINGS FOR ON LINE APPLICATIONS!!!
106% Purchase
100% Purchase
100% Land Purchase
95% Refinance
Low Doc
No Doc
While you are browsing, you may wish to use our Mortgage Calculator to give you
an instant estimate of your monthly home loan repayments.
Please fill in the loan amount in Our Free Mortgage Calculator and click calculate. As we can source mortgages with 40 year terms, please also try different variations for the Term of Loan for budgeting flexibility.
Our Mortgage Calculators & Finance News Section
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106% Purchase |
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For:
First Time Investor / Non-FHOG Buyer
Benefits :Add
purchase costs to loan
Lenders :
Few
Rates :
Slightly higher
Interested? :
Make an Inquiry |
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100% Purchase |
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For:
First Time Home Buyer who may or may
not have savings
Benefits :No
need to wait for deposit
Lenders :
Many
Rates :
Standard or discounted
Interested? :
Make an Inquiry |
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100% Land / Construction |
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For:
First Time Home Buyer who may or may
not have savings
Benefits :No
need to wait for deposit
Lenders :
Several
Rates :
Standard or discounted
Interested? :
Make an Inquiry |
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95% Refinance
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For:
Home Owner wishing to consolidate debt
or pay for anything
Benefits :Access
more equity
Lenders :
Several
Rates :
Standard or discounted
Interested? :
Make an Inquiry |
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Low Doc |
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For:
Self Employed or Employee Purchase Home/Investment,
Refinance
Benefits :No
need for ABN / Financials
Lenders :
Many
Rates :
Standard or discounted
Interested? :
Make an Inquiry |
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No Doc |
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For:
Self Employed Purchase Home/Investment,
Refinance
Benefits :No
need to show income
Lenders :
Several
Rates :
Standard or discounted
Interested? :
Make an Inquiry |
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