How do their home loans compare?ĪNZ is well known as one of Australia’s four major retail banks. Can they compete with the major banks for home loans?ĪNZ is one of Australia’s four major banks and is one of the top 50 banks in the world. Now owned by NAB, are they still a real alternative to a major bank?ĪMP is a smaller bank that is well known for their superannuation and investments. Are they right for you?Īdvantedge was once a major wholesale funder under the name Challenger and Interstar.
How do their home loans compare?Ĩ6 400 is an innovative neobank that offers competitive interest rates and a fast application process through a digital system.īendigo & Adelaide Bank were once a major wholesale funder that offered unique mortgage credit policy and pricing. View more lenders review keyboard_arrow_downĮxpert Mortgage Broker Otto Dargan reviews each bank and non-bank lender.
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Give us a call on 1300 889 743 or complete our free assessment form to discuss which other lenders may be suitable for your situation. Our mortgage brokers at Home Loan Experts can help! Some online lenders in the past have played games with the interest rates for their existing customers.Ĭompare Tic:Toc home loans with other lenders You should constantly monitor your interest rates if you have a home loan with them.At which point, a credit assessor may look into your application and supporting documents which can result in the same turn around time as a traditional lender. Anything not straight forward and the computer may reject your application without a specific explanation.Mostly only suitable for PAYG borrowers with readily available payslips and self-employed borrowers with at least two years’ tax returns and consistent income.Tic:Toc home loans are suitable for borrowers with a clean credit file and with higher deposits/equity looking to refinance their home loans for up to 80% of the property value.You can use our ‘ interest only vs principal and interest calculator’ if you’re debating whether it’s worth wearing a bigger interest expense to free up cash flow to invest. These loans have higher interest rates and we recommend that you speak to a mortgage broker as you may be able to get a better deal. Their CO:Labs loans offered by La Trobe Financial are available for borrowers who have a complex situation, bad credit history or cannot prove their income. They also have an Investment variable and Investment fixed home loan with an interest-only term available with all their loan products. An offset account is available with this product for $10 per month. It features free additional repayments up to $20,000 and free unlimited redraw facilities. Their Live-in fixed home loan can be fixed from a year up to 5 years after which it rolls to a variable principal and interest loan. You can also add an offset account for $10 per month. Tic:Toc’s Live-in variable home loan is a basic variable rate loan with competitive interest rates and no application, assessment or valuation fees. Tic:Toc offers two simple loan types: variable rate and fixed rate home loans for live-in (owner-occupiers) and investors. They don’t provide support to apply for government grants and benefits such as the First Home Owners Grant and the First Home Loan Deposit Scheme.They don’t accept refinances to release equity or for debt consolidation or structural renovation.They don’t accept more than two applicants on an application.No temporary resident home loans and Australian expat home loans.The property/security has to be in a capital city or a major regional centre.They don’t do vacant land or off the plan loans.
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