About Home Loan


That for First Home Buyers

Government support: There may be various government support programmes for First Home Buyers to save on stamp duty and get additional financial support (First Home Buyer Grant).

Lender special promotion: There may be various types of lender promotions for eligible first home buyers that enable you to save on costs and interests such as the LMI (Lender Mortgage Insurance) fee waive/discount as well as additional interest rate discounts.

That for Owner Occupiers

The Bridging (Relocation) Loan: There are pros and cons, but this facility may be the ideal solution for you if you are having to relocate to the new purchased home first before selling your existing home.

Same Day Settlement: There are Pros and Cons. One of the big advantages of this same day settlement (simultaneous settlement) is that you can move into your new home straight away. This means you do not have to worry about renting a place or staying with friends or family and storing your furniture, which is usually an issue if you sell your current home first.

Move your existing home loan(s) to your next home: There are Pros and Cons. However, this option (Loan portability) enables you to move to your next home with your current loan. By taking your existing loan to another property, you don't need to go through a new home loan approval process.

That for Investors

Equity: You may be able to purchase your investment property without any deposit funds by using the equity in your current home.

Borrowing Power: The proposed rental income may enable you to increase your borrowing power.

Ongoing Review of Your Home Loan

Review your current home loan(s) and all your current financial and lifestyle circumstances to consider the option that best suits you.

Negotiation with the current lender first: Negotiating with the existing lender may work in your favour to obtain better interest rates and fees if moving to another lender is not an available option for you due to reasons such as short income serviceability, etc. We do most of the negotiating for you.

Refinance to another lender: Moving to another lender may offer benefits within their home loan product in terms of the interest rate, fees, and any available lender’s special cash rebate promotion.

Daesik Jung

Trading as C-Herald Finance is a credit representative (No 399754) of BLSSA Pty Ltd, ACN 117 651 760, Australian Credit Licence: 391237.

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