Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 3 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 3 Reviews
When it comes to getting a home loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of home loan. With a principle and interest home loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only home loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate home loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate home loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Finance Brokers Association of Australia and have clients right across Australia. If you're looking to get a home loan, we have the expertise and experience to guide you through the process of finding the right home loan for your needs.
1. Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
2. Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
3. Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
4. Settlement
You settle on the property, your loan draws-down and you're good to go!
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Vicky
Joe is reliable & very personable. His invaluable advice & knowledge of the industry helped me to secure a home loan with incredible fixed rates for 3 years - so glad I listened! Highly recommend!
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Fouad
I broke my arm and couldn’t work for quite some time. I was struggling with worry and stress. Joe managed to refinance my home and combine all my debts into one manageable repayment and helped get me out of my troubles. I highly recommend Joe, he helped
MF
Melina Frelingos
Joe has been helping me with all my home and business loans for the last 30 years, having being self employed over this period is has been challenging to get finance to meet my needs. But Joe has always managed to get me the best rates and loan approval i
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best home loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We know that Self Employed Borrowers have very specific needs so can help with making sure we find the right home loan for them. We can also assist with Low Doc and Alt Doc loans as well as Self employed loans.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right home loan. We're also across the various schemes to help first homeowners such as the First Home Owners Grant and the various stamp duty exemptions available.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Victorious Lending Pty Ltd ABN: 14671787590. Credit Representative #553067 is authorised under Australian Credit License #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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