HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. 2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. 10% DEPOSIT HOME LOANS You don’t necessarily need a 20% deposit to buy a property! There are 10% deposit home loan solutions out there and, with help from an experienced mortgage broker, you can even get a great deal. Please call 1300 889 743 or complete our free assessment form to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. SHOULD I PAY OFF MY MORTGAGE COMPLETELY? Option 1. Let’s say Dave and Lisa have a mortgage of $500,000 at an interest rate of 4% (P&I) and are committed to paying off the mortgage. In 10 years, they would have paid off roughly $100,000 off their home loan. However, let’s say they borrowed money using the equity in their home to purchase an investment property worth

$500,000.

NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. CAN I GET A HOME LOAN AT 60 YEARS OLD? CREDIT REPORTING CODE CHANGED: BIG WIN FOR CONSUMERS Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. 2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. 10% DEPOSIT HOME LOANS You don’t necessarily need a 20% deposit to buy a property! There are 10% deposit home loan solutions out there and, with help from an experienced mortgage broker, you can even get a great deal. Please call 1300 889 743 or complete our free assessment form to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. SHOULD I PAY OFF MY MORTGAGE COMPLETELY? Option 1. Let’s say Dave and Lisa have a mortgage of $500,000 at an interest rate of 4% (P&I) and are committed to paying off the mortgage. In 10 years, they would have paid off roughly $100,000 off their home loan. However, let’s say they borrowed money using the equity in their home to purchase an investment property worth

$500,000.

NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. CAN I GET A HOME LOAN AT 60 YEARS OLD? CREDIT REPORTING CODE CHANGED: BIG WIN FOR CONSUMERS Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. HOMEBUYER EDUCATION COURSE ONLINE Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online BUYING A SECOND PROPERTY WITH NO DEPOSIT These costs can amount to anywhere between 3-5% of the property value so you should factor this in when you’re deciding on a no deposit solution. Essentially, to purchase a second property, you actually need 7-10% of the property value to cover: Your minimum 5% deposit. Stamp duty. Property title transfer fee. Registration fees.

Conveyancing

UPFRONT COSTS OF BUYING A HOME Conveyancing and Legal Fees. It is strongly recommended that first home buyers get a qualified conveyancer to handle the legal side of things. This will cost about $800 to $1,500. Conveyancing covers the legal and statutory process of transferring real-estate ownership. BUYING A DISPLAY HOME Disadvantages of buying a display home. Despite the positive aspects, buying a display home still requires some careful consideration. Building on your own land means that you can choose to live in an area

that is an estate.

UNITS VS HOUSES

Units vs houses! Which is actually a better investment?. If we had a rule of thumb for property investment, no one would be asking this question; instead everyone would be applying for an investment home loan.But we don’t, because the concept of investing in units versus investing in houses falls mostly inside a SHOULD I PAY OFF MY MORTGAGE COMPLETELY? Option 1. Let’s say Dave and Lisa have a mortgage of $500,000 at an interest rate of 4% (P&I) and are committed to paying off the mortgage. In 10 years, they would have paid off roughly $100,000 off their home loan. However, let’s say they borrowed money using the equity in their home to purchase an investment property worth

$500,000.

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended?

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended? DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Here are 9 basic steps to follow when buying a house in Australia Step 1: Decide how much you should spend on a home. When planning and

budgeting for your

2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to UPFRONT COSTS OF BUYING A HOME Conveyancing and Legal Fees. It is strongly recommended that first home buyers get a qualified conveyancer to handle the legal side of things. This will cost about $800 to $1,500. Conveyancing covers the legal and statutory process of transferring real-estate ownership. UNEMPLOYED HOME LOANS: CAN AN UNEMPLOYED PERSON GET A … Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. HOMEBUYER EDUCATION COURSE ONLINE Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended?

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended? DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online 2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to UPFRONT COSTS OF BUYING A HOME Conveyancing and Legal Fees. It is strongly recommended that first home buyers get a qualified conveyancer to handle the legal side of things. This will cost about $800 to $1,500. Conveyancing covers the legal and statutory process of transferring real-estate ownership. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online UNEMPLOYED HOME LOANS: CAN AN UNEMPLOYED PERSON GET A … Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. PROPERTY TITLE: ADDING IN YOUR PARTNER'S NAME Will I pay stamp duty? In some cases, stamp duty may not be applicable when adding your partner to your property title. This is mainly for married, de facto and same sex couples. You’ll have to fill in an exemption form in order to take advantage of this exemption. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended?

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

ACCOUNTANT LETTER TEMPLATE FOR A HOME LOAN Some lenders, for example Rams Home Loans, La Trobe Financial, Pepper Home Loans or MKM Capital, have their own low doc loan accountant letter template for you to use. If you’re having trouble drafting a suitable accountant letter, please call us on 1300 889 743 or enquire online for assistance. CAN I GET A HOME LOAN AT 60 YEARS OLD? TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended? DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online 2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to UPFRONT COSTS OF BUYING A HOME Conveyancing and Legal Fees. It is strongly recommended that first home buyers get a qualified conveyancer to handle the legal side of things. This will cost about $800 to $1,500. Conveyancing covers the legal and statutory process of transferring real-estate ownership. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online UNEMPLOYED HOME LOANS: CAN AN UNEMPLOYED PERSON GET A … Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. PROPERTY TITLE: ADDING IN YOUR PARTNER'S NAME Will I pay stamp duty? In some cases, stamp duty may not be applicable when adding your partner to your property title. This is mainly for married, de facto and same sex couples. You’ll have to fill in an exemption form in order to take advantage of this exemption. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental GIFT LETTER TEMPLATE Australian lenders have strict requirements for letters confirming the source of a deposit and will often ask for a letter to be amended if it doesn’t meet their requirements. Your gift letter should be: Dated. Signed. Contain the name of the person who signed the letter. Contain the name of the person receiving the gift. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended?

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental GIFT LETTER TEMPLATE Australian lenders have strict requirements for letters confirming the source of a deposit and will often ask for a letter to be amended if it doesn’t meet their requirements. Your gift letter should be: Dated. Signed. Contain the name of the person who signed the letter. Contain the name of the person receiving the gift. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended? DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Here are 9 basic steps to follow when buying a house in Australia Step 1: Decide how much you should spend on a home. When planning and

budgeting for your

FIND YOUR PERFECT HOUSE IN 2021: A PROPERTY GUIDE Purchasing a house is a major event in anyone’s life and it is only natural to want to find the perfect house for you and your family. Finding the perfect house to buy will take up a lot of your time, with you searching online on the weekdays and inspecting properties on

weekends.

2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to UNEMPLOYED HOME LOANS: CAN AN UNEMPLOYED PERSON GET A … Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. HOMEBUYER EDUCATION COURSE ONLINE Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial HOME BUYER INSTITUTE V2 Learn how to confidently find a suitable property within budget. This free course will help you get a jumpstart on other property buyers. Recent research shows that the search for a home takes, on average, somewhere between six and nine months, with many buyers taking years

to do so.

TOP SIX PROPERTY NEGOTIATION TIPS FOR HOME BUYERS 2. Start looking for the right property. You can start searching for the right property with the help of various sites. Once you’ve found a handful of potential dream homes, you’ll want to dig a little

deeper.

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental GIFT LETTER TEMPLATE Australian lenders have strict requirements for letters confirming the source of a deposit and will often ask for a letter to be amended if it doesn’t meet their requirements. Your gift letter should be: Dated. Signed. Contain the name of the person who signed the letter. Contain the name of the person receiving the gift. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended?

HOME LOAN EXPERTS

markunread_mailboxMailing address PO Box 3726 Rhodes. NSW 2138. scheduleOpening Hours Monday - Friday. 9:00 AM - 5:00 PM. phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466. mail_outline Info@homeloanexperts.com.au. BUYING PROPERTY IN AUSTRALIA Getting FIRB approval is a simple process and usually takes up to two weeks from the date the application is lodged. Fees can vary depending on the value of the residential property or land that you want to purchase: $1 million or less: $5,800. $1 million to SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. LEASE DOC COMMERCIAL LOAN Call us on 1300 889 743 or complete our free assessment form and our mortgage brokers will assist you to choose the most suitable lender. Commercial Property Loan. Find out which lenders offer great interest rates for offices, factories, retail & other properties! Get your commercial property loan approved today. MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial LETTER OF EMPLOYMENT FOR A MORTGAGEEMPLOYMENT CONFIRMATION LETTER TEMPLATE TEMPLATEWHEN YOU APPLY FOR A HOME LOAN, THE BANK WILL NEED YOU TO PROVIDE PROOF OF YOUR INCOME.USUALLY YOUR PAYSLIPS, TAX RETURNS, GROUP CERTIFICATES OR A...ESSENTIAL REQUIREMENTS FOR YOUR EMPLOYMENT LETTER FOR A BANKAUSTRALIAN LENDERS HAVE SIMILAR REQUIREMENTS FOR EMPLOYMENT LETTERS AND WILL OFTEN ASK FOR A LETTER TO BE AMENDED IF IT DOESN’T MEET THEIR REQUIREM...HOW RECENT DOES THE CERTIFICATE FROM YOUR EMPLOYER NEED TO BE?YOUR LETTER OF EMPLOYMENT FOR A MORTGAGE MUST BE LESS THAN 6 WEEKS OLD AT THE TIME OF YOUR HOME LOAN APPLICATION.SO IF YOUR LETTER IS UP TO 2 MONTH...WHAT IF I’M SELF EMPLOYED?IF YOU’RE A CONTRACTOR, WE HAVE A TEMPLATE BELOW THAT YOU CAN USE.HOWEVER, IF YOU’RE PURELY A SOLE TRADER, IN A PARTNERSHIP OR OPERATE VIA COMPANY...WILL THE BANK ACCEPT EMPLOYMENT LETTERS FROM A FOREIGN COMPANY?IF YOU’RE EMPLOYED BY AN OVERSEAS COMPANY, SOME LENDERS MAY ACCEPT A CONFIRMATION OF EMPLOYMENT IF IT’S WRITTEN IN AN ACCEPTABLE FORMAT. THEY MAY A...DO YOU NEED HELP WITH YOUR HOME LOAN?THERE ARE MANY OTHER SITUATIONS WHERE THE LENDER MAY REQUIRE A CONFIRMATION OF EMPLOYMENT LETTER.WE ALWAYS TRY TO DISCUSS YOUR SITUATION WITH THE L... When you apply for a home loan, the bank will need you to provide proof of your income. Usually your payslips, tax returns, group certificates or a Notice of Assessment (NoA) are enough. However, a lender may sometimes require a letter of employment for a mortgage to prove your income or use it to verify the other documents you’ve

provided.

PROOF OF RENT LETTER: HOW TO PROVE RENTAL INCOME Confirm your name and the address of your investment property. Confirm the current rent, estimate market rent or give a range of the likely rent. Contain the name of the person who signed the letter. Be on a letterhead that contains the company details of the managing agent or selling agent. Most lenders will accept a faxed copy of your rental GIFT LETTER TEMPLATE Australian lenders have strict requirements for letters confirming the source of a deposit and will often ask for a letter to be amended if it doesn’t meet their requirements. Your gift letter should be: Dated. Signed. Contain the name of the person who signed the letter. Contain the name of the person receiving the gift. TAKING OVER YOUR PARENTS’ MORTGAGE The reason is that a bank can’t simply approve a home loan with no property or security attached to it. Since the property title is in your mum and dad’s name, the property will need to be used to pay out the existing mortgage. The only exception to this rule is if the

loan is

PRE-SETTLEMENT INSPECTION CHECKLIST PRE-SETTLEMENT INSPECTION CHECKLIST Property address: Doors Check all door locks and keys. Are they working as intended? DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the 9 STEPS TO BUYING A HOUSE IN 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online FIND YOUR PERFECT HOUSE IN 2021: A PROPERTY GUIDE Purchasing a house is a major event in anyone’s life and it is only natural to want to find the perfect house for you and your family. Finding the perfect house to buy will take up a lot of your time, with you searching online on the weekdays and inspecting properties on

weekends.

2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to HOMEBUYER EDUCATION COURSE ONLINE Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online UNEMPLOYED HOME LOANS: CAN AN UNEMPLOYED PERSON GET A … Comparison rate calculated on a $150,000 secured loan over a 25 year term. WARNING Comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online MIXED USE PROPERTY LOAN: COMMERCIAL OR RESIDENTIAL? Commercial loans versus residential loans. Real estate that has a mixed purpose does not always fall under commercial lending. Rural and residential mixed use property can often be bought with a residential home loan from a number of our lenders.. Some of our lenders will accept land up to 50 hectares and offer residential rates.. Most lenders will assess properties that have commercial HOME BUYER INSTITUTE V2 Learn how to confidently find a suitable property within budget. This free course will help you get a jumpstart on other property buyers. Recent research shows that the search for a home takes, on average, somewhere between six and nine months, with many buyers taking years

to do so.

TOP SIX PROPERTY NEGOTIATION TIPS FOR HOME BUYERS 2. Start looking for the right property. You can start searching for the right property with the help of various sites. Once you’ve found a handful of potential dream homes, you’ll want to dig a little

deeper.

HOME LOAN EXPERTS

location_onHead office location Suite 207, 3 Rider Boulevard Rhodes NSW 2138 . markunread_mailboxMailing address PO Box 3726 Rhodes NSW 2138 . scheduleOpening Hours Monday - Friday 9:00 AM - 5:00 PM . phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466 . mail_outline Info@homeloanexperts.com.au. help

Enquire Now

2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to BUYING A SECOND PROPERTY WITH NO DEPOSIT These costs can amount to anywhere between 3-5% of the property value so you should factor this in when you’re deciding on a no deposit solution. Essentially, to purchase a second property, you actually need 7-10% of the property value to cover: Your minimum 5% deposit. Stamp duty. Property title transfer fee. Registration fees.

Conveyancing

SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. WHY ARE FIXED RATES SO LOW FOR HOME LOANS?SEE MORE ON HOMELOANEXPERTS.COM.AU

UNITS VS HOUSES

Units vs houses! Which is actually a better investment?. If we had a rule of thumb for property investment, no one would be asking this question; instead everyone would be applying for an investment home loan.But we don’t, because the concept of investing in units versus investing in houses falls mostly inside a NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. CAN I GET A HOME LOAN AT 60 YEARS OLD? WHY SHOULD YOU GET A BUILDING INSPECTION? Whether you’re planning to buy a home, sell a home or even make renovations to a property, a building inspection is a must. It’s always good to know as much as you can about a property before you make a decision. A building inspection is a detailed assessment of the condition of the property that is carried out by a qualified

professional.

HOME LOAN EXPERTS

location_onHead office location Suite 207, 3 Rider Boulevard Rhodes NSW 2138 . markunread_mailboxMailing address PO Box 3726 Rhodes NSW 2138 . scheduleOpening Hours Monday - Friday 9:00 AM - 5:00 PM . phone Local: 1300 889 743. language Overseas: +61 2 9194 1700. print Fax: +61 2 9475 4466 . mail_outline Info@homeloanexperts.com.au. help

Enquire Now

2021: GOVERNMENT GRANTS AND SCHEMES FOR FIRST HOME BUYERS The HomeBuilder Grant is a $25,000 tax-free grant given to eligible owner-occupiers, including first home buyers to build a new home or to renovate an existing home.. This federal grant is designed to help the Australian residential construction market continue business. This grant is only available for a limited time as to enter the building contract needs to be signed between 4 June 2020 to BUYING A SECOND PROPERTY WITH NO DEPOSIT These costs can amount to anywhere between 3-5% of the property value so you should factor this in when you’re deciding on a no deposit solution. Essentially, to purchase a second property, you actually need 7-10% of the property value to cover: Your minimum 5% deposit. Stamp duty. Property title transfer fee. Registration fees.

Conveyancing

SINGLE PARENTS CAN NOW BUY PROPERTY WITH 2% DEPOSIT Your golden hour may have just arrived! You can now buy a home with as little as a 2% deposit, with the new Family Home Guarantee scheme introduced in the current 2021 budget. The budget handed down this week revealed this scheme where the government will act as a guarantor for up to 18% of the property price for those who qualify. BUDGET 2021: SUPPORT FOR FIRST HOME BUYERS & SINGLE PARENTS The 2021/22 Federal Budget focuses largely on recovery, to plug remaining gaps in the Australian economy. The 2021 budget is here. It’s the second budget in just six months, following last year’s delayed COVID budget. It has a range of steps to support first-home buyers (FHBs), single-parent families and retirees. WHY ARE FIXED RATES SO LOW FOR HOME LOANS?SEE MORE ON HOMELOANEXPERTS.COM.AU

UNITS VS HOUSES

Units vs houses! Which is actually a better investment?. If we had a rule of thumb for property investment, no one would be asking this question; instead everyone would be applying for an investment home loan.But we don’t, because the concept of investing in units versus investing in houses falls mostly inside a NSW STAMP DUTY CALCULATOR 2021: PROPERTY TRANSFER DUTY The stamp duty (transfer) rates for NSW from 1 July 2020 are as follows: Property value. Stamp duty (transfer duty) rate. $0 to $14,000. $1.25 for every $100 (the minimum is $10) $14,000 to $31,000. $175 plus $1.50 for every $100 over $14,000. $31,000 to $83,000. $430 plus $1.75 for every $100 over $31,000. CAN I GET A HOME LOAN AT 60 YEARS OLD? WHY SHOULD YOU GET A BUILDING INSPECTION? Whether you’re planning to buy a home, sell a home or even make renovations to a property, a building inspection is a must. It’s always good to know as much as you can about a property before you make a decision. A building inspection is a detailed assessment of the condition of the property that is carried out by a qualified

professional.

DIFFERENT TYPES OF HOME LOAN IN AUSTRALIA As a home buyer, one of your most critical decisions will be choosing the best type of home loan for you. Finding the right loan will depend on factors such as your credit history and your income records, along with why you need the loan in the first place.. So, what types of home loans are there? In this article, we will briefly explain the different types of home loans in Australia and the FIND YOUR PERFECT HOUSE IN 2021: A PROPERTY GUIDE Purchasing a house is a major event in anyone’s life and it is only natural to want to find the perfect house for you and your family. Finding the perfect house to buy will take up a lot of your time, with you searching online on the weekdays and inspecting properties on

weekends.

9 STEPS TO BUYING A HOUSE IN 2021 Here are 9 basic steps to follow when buying a house in Australia Step 1: Decide how much you should spend on a home. When planning and

budgeting for your

HOME LOAN CASH BACK OFFERS 2021 One of our lenders is now offering a $2,000 cash back for first home buyers looking to purchase their first property. This purchase rebate is available for home loan applications submitted by 31 January 2021 and settled by 31 March 2021. The rebate is: Available for loans with a minimum loan amount of $250,000. FIXED RATE MORTGAGE WITH 100% OFFSET & EXTRA PAYMENTS Fixed Rate Mortgage With 100% Offset & Extra Payments. Get fixed rates as low as 1.89% p.a. interest rate ( 2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online. menu Menu. 10% DEPOSIT HOME LOANS You don’t necessarily need a 20% deposit to buy a property! There are 10% deposit home loan solutions out there and, with help from an experienced mortgage broker, you can even get a great deal. Please call 1300 889 743 or complete our free assessment form to HOMEBUYER EDUCATION COURSE ONLINE Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online PROPERTY INSPECTION: HOW-TO GUIDE 2021 Get fixed rates as low as 1.89% p.a. interest rate (2.94% p.a. comparison rate). Lending restrictions are easing and reverting to normal. Call us or enquire online BUYING A DISPLAY HOME Disadvantages of buying a display home. Despite the positive aspects, buying a display home still requires some careful consideration. Building on your own land means that you can choose to live in an area

that is an estate.

HOME BUYER INSTITUTE Learn how to confidently find a suitable property within budget. This free course will help you get a jumpstart on other property buyers. Recent research shows that the search for a home takes, on average, somewhere between six and nine months, with many buyers taking years

to do so.

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