Home Loans
Our Services, YOUR Options
Leveraging Debt to Achieve Wealth
Purchase
We provide Home Loans to those looking to purchase a:
First Home
Investment Property
SMSF Property
DHOAS Loan
Refinance
Refinance options for those looking to:
Save
Invest
Consolidate Debt
Renovate / Restructure
Investment Loans
Solutions for those looking to upgrade or expand your:
Current Home
Property Portfolio
SMSF Loan Strategy
Loan Structure
Construction Loans
Construction loans for those needing funds for:
House and Land Packages
Owner Builders
Build on your Block
Government Incentives
Eligibility criteria apply.
Federal Government Scheme
First Home Guarantee (FHBG):
Supporting eligible home buyers to buy a home sooner, with a deposit as little as 5%.
Regional First Home Buyer Guarantee (RFHBG):
Supporting eligible regional home buyers to buy a home sooner, in a regional area, with a deposit as little as 5%.
Family Home Guarantee (FHG):
Supporting eligible single parents and eligible single legal guardians of at least one dependent to buy a home sooner, with a deposit as little as 2%.
Click here to learn more.
Australian Capital Territory
The ACT Government has a concession scheme to help people to buy the home by removing or reducing duty on any property.
Click here to find out more.
New South Wales
First home buyers in NSW may be eligible for a duty exemption, concession or grant. Key workers, single parents and single people 50 or over may also be eligible for Shared Equity Home Buyer Helper.
First Home Buyers Assistance Scheme:
Full or partial exemption on Stamp/transfer duty.
First Home Owners Grant (New Home):
$10,000 towards the purchase price, in addition to the First Home Buyers Assistance Scheme benefits.
Shared Equity Home Buyer Helper:
Support for eligible first home buyer key workers.
Click here to find out more
Northern Territory
If you are buying or building a new home, you can apply for a First Home Owner Grant (FHOG) of $10,000.
Click here to learn more.
Queensland
The first home owner grant gives eligible first-time home buyers $15,000 towards buying or building a new home in Queensland.
The regional home building boost grant gives eligible applicants $5,000 after the purchase or construction of a brand-new house, unit or townhouse in regional Queensland.
When you buy or acquire a residence or vacant land on which you intend to build your first home, you may be able to claim a concession that reduces the amount of transfer duty you have to pay.
Click here to learn more
South Australia
First Home Owner Grant: You may be eligible for a first home owner grant of up to $15,000
Stamp Duty Relief for Eligible First Home Buyers: You may be eligible for a stamp duty relief on the transfer of land.
Click here to learn more
Tasmania
A first home owner grant is available to eligible applicants who purchase or build a new home in Tasmania. $30 000 grant: for transactions that commence between 1 April 2021 and 30 June 2024.
Click here to learn more.
Victoria
In Victoria you can receive $10,000 with the First Home Owner Grant (FHOG) If you are buying or building a new home valued up to $750,000.
To be eligible, the home must not have been previously sold or occupied. You may also be eligible for, and receive, more than one exemption, concession or reduction from stamp duty for your property.
Click here to find out more
Western Australia
You may be eligible to the grant being $10,000 or the consideration paid to buy or build the house if less than that amount.
Click here to learn more.
Smart Borrowing Strategies
Smart Borrowing Strategies:
In this article, we'll simplify common mortgage jargon to help you navigate the loan process with ease. Whether you're a first-time buyer or a seasoned investor, understanding these terms is crucial for making informed decisions about your mortgage.
Comparison Rate: The comparison rate is a standardised measure that includes both the interest rate and any fees associated with the loan. It helps borrowers compare different loan products on an apples-to-apples basis, considering both the interest rate and the total cost of borrowing.
Pre-approval: Pre-approval is an initial assessment by a lender to determine how much you can borrow based on your financial situation. It provides confidence and clarity when house hunting, as you'll know your borrowing capacity and can make offers with certainty.
Negotiating with Lenders: When it comes to your mortgage, we are here to help you negotiate! Whether it's the interest rate, fees, or loan features, your mortgage broker will assist in negotiating with lenders to help you secure a better deal and save money over the life of your loan.
Security Guarantor: A security guarantor is a person who provides additional security for a home loan by offering their property or assets as collateral. Unlike a regular guarantor who guarantees the repayment of the loan if the borrower defaults, a security guarantor's role is to provide additional security to the lender, by reducing the Loan to value ratio (LVR) of the property therefore lowering the risk and assisting the borrower to purchase their desired property.
Servicing Guarantor: A servicing guarantor is an individual who agrees to provide financial assistance to the borrower if they are unable to meet their loan repayments. Unlike a security guarantor who offers collateral, a servicing guarantor's role is to guarantee the ongoing servicing of the loan, ensuring that repayments are made on time.
By understanding these smart borrowing strategies, you'll be better equipped to navigate the mortgage process and make decisions that align with your financial goals. Whether you're looking to minimise the initial costs of owning your first or next home, or leveraging current properties to grow your portfolio, our aim is to empower you to make informed choices about your mortgage.
Credit Representative Number 545975 is authorised under Australian Credit Licence 384324 (outsource Financial Pty Ltd). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Vadium Lending (ABN 62 213 831 884).
Smart Borrowing Strategies
Smart Borrowing Strategies:
In this article, we'll simplify common mortgage jargon to help you navigate the loan process with ease. Whether you're a first-time buyer or a seasoned investor, understanding these terms is crucial for making informed decisions about your mortgage.
Comparison Rate: The comparison rate is a standardised measure that includes both the interest rate and any fees associated with the loan. It helps borrowers compare different loan products on an apples-to-apples basis, considering both the interest rate and the total cost of borrowing.
Pre-approval: Pre-approval is an initial assessment by a lender to determine how much you can borrow based on your financial situation. It provides confidence and clarity when house hunting, as you'll know your borrowing capacity and can make offers with certainty.
Negotiating with Lenders: When it comes to your mortgage, we are here to help you negotiate! Whether it's the interest rate, fees, or loan features, your mortgage broker will assist in negotiating with lenders to help you secure a better deal and save money over the life of your loan.
Security Guarantor: A security guarantor is a person who provides additional security for a home loan by offering their property or assets as collateral. Unlike a regular guarantor who guarantees the repayment of the loan if the borrower defaults, a security guarantor's role is to provide additional security to the lender, by reducing the Loan to value ratio (LVR) of the property therefore lowering the risk and assisting the borrower to purchase their desired property.
Servicing Guarantor: A servicing guarantor is an individual who agrees to provide financial assistance to the borrower if they are unable to meet their loan repayments. Unlike a security guarantor who offers collateral, a servicing guarantor's role is to guarantee the ongoing servicing of the loan, ensuring that repayments are made on time.
By understanding these smart borrowing strategies, you'll be better equipped to navigate the mortgage process and make decisions that align with your financial goals. Whether you're looking to minimise the initial costs of owning your first or next home, or leveraging current properties to grow your portfolio, our aim is to empower you to make informed choices about your mortgage.
Credit Representative Number 545975 is authorised under Australian Credit Licence 384324 (outsource Financial Pty Ltd). This is general information only and is subject to change. Your complete financial situation will need to be assessed before acceptance of any proposal or product. Vadium Lending (ABN 62 213 831 884).
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