First Home Buyer – Land + construction loan

It’s a challenging for the first home buyers to choose from numerous of available loan options. This is the point where you need us. We will help you in sorting all the complex processes of buying a property. We will do all the paperwork and communicate with various lenders on your behalf to get best home loan rate align to your financial needs.

Investment property

Investment in property is exciting as well as challenging because of huge financial commitment, but with the help our expert advice, you will find it easy to achieve your investment goals.

Develop commercial or residential loan

Commercial loan is for those who want to develop commercial property or wants to buy existing commercial property. It’s bit different from home loan. Also, there is different way to assess the commercial property loan. Getting the right lender for commercial investment is a challenging job. At Loan Junction, we will look perfect lenders for you based on your financial needs.

Refinance, get better deal

Go to our Repayment Calculator for an estimate. Because there so many different loan products, some with lower introductory rates, talk to us today about the deals currently available,

Consolidate your debts with refinance of resting home + other loans

Most lenders offer flexible repayment options to suit your pay cycle. Aim for weekly or fortnightly repayments, instead of monthly, as you will make more payments in a year, which will shave dollars and time off your loan.

Variable or fixed interest rates – In variable rate, interest rate goes up or down during the loan period thus your repayments also varies with the change in interest rates. In case of fixed interest rates, regular repayments remain same for 1 to 5 years because of fixed rate of interest. At the end of fixed term year, customer has option to go with fixed rate as offered by lender or move to variable interest rate.

Basic rates –

Special rates for period –

Offset facilities – It links your transactional account with home loan account, thus making it offset account. The funds available in your offset account is offset everyday against home loan balance which reduces the mortgage interest.

Line of credit – It’s a flexible home loan product, allows borrower to withdraw funds from loan as long as you are regularly repaying your mortgage. Provides greater flexibility to access the available funds.

Professional – Professional package loan is for the customers borrowing more than $250,000 and is bundled together with other products from lender such as credit card, savings and transaction accounts. It often slightly reduces the rate of interest which is to be paid on loan amount.

Low docs– If you are self-employed and don’t have documents to prove your income than this product best suits you. It has high rate of interest because of higher lender risks.