At Home Mortgage Services our goal is to guide you to the best possible product. Features of home loans we will discuss with you include:

Flexible Loan Facilities

Loan terms of up to 40 years are available for residential loans. The interest rate can be variable over the whole term of the loan, fixed for a predetermined period or on an interest only basis.

Fixed Interest Loans

Fixed interest loans allow you to plan your financial affairs more efficiently and avoid the risk of interest rate movements. Terms of 1 to 15 years are available. This allows you to plan and budget knowing that your payments are set for that period of time.

Variable Rate Loans

We are able to provide interest rate facilities with the ability to switch to a fixed rate during the course of the loan. This structure has considerable appeal to property investors who perceive some prospect of lower interest rates eventuating in the short and medium term and allows early repayments without penalty.

Split Loan

Split Loan facilities allow you the best of both variable and fixed interest rate loans in one package. Pay your home off sooner and still receive the advantage of lower interest rates.

Equity Loans

Use the equity in your house, or other property, to borrow up to 100 per cent or more of the purchase price of another property, plus settlement and borrowing costs. A first mortgage over the property being acquired together with a collateral mortgage over the existing property can all be advanced at the normal first mortgage rate applicable to the loan.

Line of Credit

Utilise all of your income to reduce the length of your home mortgage. Let us show you how to put all of your money to work, and own your home sooner.

No Financials (Lo Doc) Home Loans

Lo Doc loans allow applicants with large deposits and or equity in their existing properties access to home loans without providing lenders with their personal financial records.

Family Pledge Loan

This facility allows family members with equity in their own property, help other family members, (parents, grandparents, siblings) bridge the deposit gap and cover upfront and borrowing expenses, by providing a limited guarantee.

Innovative Finance Packages

In an ever-changing marketplace new products are continually emerging. At Home Mortgage Services we pride ourselves on being at the forefront of new developments.