How to get started and stay on track

From getting your savings in order to choosing the right loan. Owning a home should make you happy, not stress you out.

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Stash your cash

Determine your end goal and reverse engineer how you’ll get there. Develop a savings plan within a designated time frame and work out the contributions you can make regularly. Starting with a lump sum is always ideal. You will need to show genuine savings accumulated over at least a three-month period.

Don’t worry, we’ve got you. We’ll help you determine how much you can borrow and give you an idea of what your repayments will be. Other debt such as credit cards and personal loans will reduce the amount you can borrow but you may be eligible for a government grant or concession. Or we may be able to consolidate your debt into one easy to manage loan.

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Be confident and go forth

Did you know that you can apply for a home loan pre-approval? This will give you the confidence to focus on properties that you can afford and also provide you with better negotiating power. Pre-approvals are typically valid for three months.

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The interest rate matters

When deciding on a loan type, look at interest only versus principal and interest repayments. While interest only loans do not reduce the overall loan amount, they do result in lower monthly repayments.

A shorter loan term, such as 20 years, means higher repayments but you’ll pay less in interest. A longer loan term, such as 30 years, means lower repayments but you’ll pay more in interest.

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Get in touch

Weekdays 9:00am to 5:30pm AEST

Call: 1300 695 667

Email: [email protected]

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This website is owned and operated by Lending Loop Pty Ltd (ACN 645 781 451).

Lending Loop Pty Ltd is a Credit Representative 529998 of National Lending Group Pty Ltd, Australian Credit Licence, 412778 that offers services within the finance mortgage brokering industry Australia-wide.

Any information provided on the Lending Loop website does not constitute an offer of credit. Information available are examples of what may be available to you. Product features or any applicable fees are not taken into account. If you choose to connect with a Lending Loop Finance and Mortgage Broker, the lending criteria and the basis upon which we access what you may be able to afford is subject to change at any time without notice.

Our goal is for the process to be simple, straightforward and hassle-free.