i'm trying to get a home loan, but cant decide who to go with, who has the best rates??
Welcome to BH Kylieb..... Finding the right home loan for yourself can seem a daunting task! We re-financed our hoan loan a few years ago and we got a Broker to come to our place, they sit down with you and go through all the details with you to work out which bank or building society etc, would be best for you. Another place to try would be Aussie Home Loans, pretty sure they do a similar thing...... Good Luck!
Hi kylieb, we took out a home loan last year, my tips are these: it's not just about the actual interest rates, also take into account the fees the different lenders will charge you. And considering how interest rates have been dropping (and may still drop), I'd suggest you take a considerable portion of your loan as a variable rate loan.
I would suggest seeing a mortgage broker.
There are a lot of things to take into consideration when getting a loan as Eastgirl said.
Like do you want an offset account?! where you have your pay put into and it reduces the amount of interest you pay on the loan
Some great advice from Bh Beauties and Divas and to add to the list definitely shop around honey there are many financial institutions vying for the consumer in a soft market.
On brokers they are paid by the institutions they represent to promote their products so sometimes this may not always work in your favour. We found this to be the case when shopping for our home some years ago now!
The key is to look at how much you can afford exclusive of fees etc...and contact as many institutes as you can via phone or email and develop a listing for comparison!
Best of and let us know how you going!
If I were you, I would pay attention to the choice of the house where you will live. The main thing is that it is in good condition and comfortable for you. Otherwise, you will have to repair everything yourself. This requires tools:
Moreover, good tools are always needed in the house. Because sooner or later you will have to fix or complete something. So I advise you to think about it.
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