Variable Loans

A variable rate investment loan has an interest rate that fluctuates over time. The variable rate fluctuates in accordance with the Reserve Bank of Australia’s ‘cash rate’.
A variable rate home loan are generally more flexible, with more features.

Benefit

  • If the interest rate decreases, your repayments will also decreases
  • Generally, loan can be paid off sooner with extra or additional repayments on the principal amount.

Disadvantage

  • If interest rate increases, your repayments will also increase

Don’t know if variable, fixed or a combination loan is right for you? Call Mortgage & Finance Solutions today on 1300 857 762 and put us to work for you.


Fixed Loans

A fixed rate investment loan has an interest rate that is fixed for a period of the loan term. Having a fixed rate home loan allows you to know exactly what your repayments will be.

Benefit

  • Good for budgeting and planning your finances
  • If interest rates rise you are guaranteed that your interest rate and repayments will not rise (for the duration of the fixed term)

Disadvantage

  • If interest rates decrease your interest rate and repayment does not decrease
  • Features generally tend to be less flexible
  • There may be penalty charges if you would like to terminate your fixed loan early

Don’t know if variable, fixed or a combination loan is right for you? Call Mortgage & Finance Solutions today on 1300 857 762 and put us to work for you.

 

Professional Packages

Some lenders offer packages which give the client a discount on other products such as credit cards and off set accounts.

To find out if a professional package would work for you and if your profession us covered by a lender then call us today on

1300 857 762


No Fee Loans

For some clients the interest rate is very important. For other clients, not paying fees is their most important aspect to sourcing a loan.

No matter if interest rate is important to your or not paying fees we can help you find a loan that meets your circumstances.

To find out more call us today on

1300 857 762


Self Employed

Are you Self Employed?

Many self-employed clients find that searching for the right investment loan can take an expert. How much income can be used for your loan? Sometimes items from your financials can be added back. An experienced and trained Mortgage Specialist knows what to look for. This sometimes can be the deciding factor on a loan application.

No matter if you are self-employed or PAYG we can help. To find out more call us today on

1300 857 762