Home Loans Articles and Resources

Like houses these come in different shapes and colours

Home Loans Articles and Resources

Construction using Owner builder loans at 70% End Market Value and higher are available. Intellichoice brokers love opening the doors to solutions for owner builders with 16 Years’ experience in this specialist field of construction loans provides clients security when considering building homes.

GET A QUOTE

Interested in getting a loan? Fast online quotes available here!

These are the main things you need to consider before applying for a home loan to buy a new house:

  • Research your options
  • Provide proof of income
  • Write a detailed budget
  • The lender will check your credit history - black marks on your credit rating could mean you will be charged highest interest rate.
  • The lender will check your savings history - do you have deposit?
  • The lender will check your employment information- are you in stable employment?
  • Calculate your net worth - make sure it is realistic
  • Make a sizeable deposit of at least 20% of the purchase price
How to Apply for a Refinance Home Loan Home Loans 2019 Intellichoice Finance
Do you think a refinance home loan is good for you and your finances? Be sure to do your research before you opt for this path in getting your finances in order. Here     are some information and tips on how you can proceed with a home loan refinance application and if a refinance on your...
Buying a House in 2019 What You Need to Know Intellichoice Finance
Buying a home would be a great way to welcome and start your 2019. Australia is a land of opportunity when it comes to real estate this 2019. However, the property boom in Australia is different from the usual lavish towns and coastal areas. Here are some of the not so popular places in Australia...
Basic Financial Considerations For The First Home Buyer Intellichoice Finance
Buying a home for the first time is an exciting move in your adult life. With prices of homes decreasing this 2019, this is indeed a good timing for first time home buyers to finally get the dream home that they want. However, there are still a lot of consideration and factors that you should...
Investment Property and Home Loans How Are They Connected Intellichoice Finance
An investment property is an ideal venture you could explore when aiming to put your money into something that grows and earn profits. However, investing on a home or a property that would later be sold to earn profits, entails knowledge and sacrifice. Entering the real estate world is definitely not a walk in the...
Stamp Duty Calculator for 2019 Intellichoice Finance
It’s a given fact that people who understand the meaning of ‘tax’ also know the meaning of ‘Calculator’ – and pretty much how to make use of one. But it’s a whole different story when one mentions ‘Stamp Duty Calculator’ , not a lot of people know what it is, let alone know how it...
Mortgage Calculator How to Use Before Applying for a Loan Intellichoice Finance
“Money makes the world go round”, that’s what most people say. Everybody needs money. Every day, every minute, and every second, people go out their ways to spend it which is why Loans are always a big deal. When you want something but you can’t get it people always turn to financial institutions to borrow....
LVR Calculator How it Can Help Intellichoice Finance
A LVR calculator, also known as the Loan to Value Ratio Calculator. It is the amount of your loan compared to the value of your property. To give you a better picture, a $300,000 property with a deposit of $75,000 has a Loan to Value ratio of 75% LVR = [(300,000-75,000)] ÷ 300,000 x 100...
Is it Possible to Get a Second Mortgage in Australia 2019 Intellichoice Finance
Yes, you can definitely get a second home loan in Australia. However, there could be several glitches to avoid when considering this loan option. A second mortgage is a financial loan obtained on a property or home which you previously have a mortgage. This enables you to gain access to extra finances. But, this may...
What Makes Home Loan Brokers Beneficial in Purchasing a New Home Intellichoice Finance
It is a hard fact that home buyers are confused on the first steps to take in purchasing a new home. The main reason is that there’s a huge range of option to choose from. Choosing the right one can be confusing in terms of rate, loan terms, and features.  The vast range of home...