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Home Loans | Investment Loans |
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Home Loans and Investment Loans - Variable or Fixed Rate
Home Loans and Investment Loans are generally the same type of product. Home Loans usually have more features which are generally not required with Investment Loans. The features you require for Home loans and Investment Loans may be Offset Facilities, Repayment Holidays, transaction accounts etc... as Investment loans are usually set and forget loans. As a general rule, Interest rates and Fees increase with the number of product features. To obtain an effective Fee interest rate and fee structure, completing a Home Loans and Investment Loans Needs Analysis should be completed to obtain the best Fee, Interest Rate, and Feature Balance for your Needs.
You can be Full-time/Part-time or Self-employed (with an ABN registered for 1 or 2 years or more). With this loan you can:
- Obtain up to 100% Loan to Value Ratio (LVR).
- Choose from a variable interest rate or a fixed rate for 1, 2, 3 or 5 years
- Repay your loan monthly, fortnightly or weekly including by direct debit
- Choose a Line of Credit facility (up to 90% Loan to Value Ratio) , including phone or internet, ATM and EFTPOS Access and monthly statements.
- Choose a 100% Offset Account (up to 100% Loan to Value Ratio) , including phone or internet, ATM and EFTPOS Access and monthly statements.
Investment Loans and Home Loans Needs Analysis will identify:
- Proportion of Investment Loans vs Home Loans.
- Features Required for your Loan Purpose.
- Loan Types available for your purpose.
- Any possibilities of saving money from fees or interest rates.
- Income Verification Requirements including Low Doc Loans .
- Identify present or future risk.
- Opportunities for Debt Consolidation.
Other Information on this topic can be found at:
Loan Saver Network will look at your individual situation and provide clear advice, guidance and assistance to help you move forward and where possible obtain the Home Loans and Investment Loans you need
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