- Client Stories
- Home Loan Information
- Types of Home Loan
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Buying your first home can be both an overwhelming and joyous experience.
And there’s no doubt that it will most likely be the biggest financial transaction you’ll make in your lifetime.
So it makes sense to get advice from someone who has your best interests at heart… and not the bank’s.
And it makes sense to use a trusted mortgage broker who will help maximise opportunity through careful consideration and strategic planning, who can guide, advise, handhold and nurture you through your journey… a property expert with the knowledge and expertise to find the right home loan for your unique needs.
With hundreds of different home loan products on the market today, it’s little wonder many people feel overwhelmed.
Here at Shore, our trusted brokers will expose you to over 30 different lenders, so you’re not held to ransom with one particular product or lender, nor do you have to jump through hoops…
Variable home loans start with a lower interest rate, and after a fixed time, the rate fluctuates according to the market index, as set by the Reserve Bank. It means that interest rates move up or down with the market and your repayments are subject to change.
A fixed rate home loan means your loan repayments will be charged at the same interest rate for the duration of your fixed rate period, which is commonly between one and five years.
A split rate home loan is a popular loan feature that allows you to split your home loan between a variable interest rate and a fixed loan interest rate.
Low Documentation home loans are for potential borrowers who are self-employed or small business owners and don’t have access to the documents required to obtain a traditional mortgage.
Usually these borrowers have no PAYG payslip records or cannot provide financial statements and tax returns.
Levels 3 & 4, 153 Walker Street
North Sydney, 2060