FundDetails

Fund Details

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Applicant 1 Details:
No. of Applicants:
Personal Details:
Title:
First Name:
Middle Name:
Surname:
No. of Dependants:
Credit History:
Income Details:
Gross Salary Income:
Gross Other Income:
Work Status:
No. of Years at Current Job:
Assets:
Property Assets:
Savings Accounts:
Investments:
Home Contents:
Superannuation:
Other Assets:
Total Assets:
Liabilities:
Current Property Loans:
Other Loans:
Credit Cards Limit:
Credit Cards Balance:
Other Liabilities:
Total Liabilities:

Applicant 2 Details:
Personal Details:
Title:
First Name:
Middle Name:
Surname:
No. of Dependants:
Credit History:
Income Details:
Gross Salary Income:
Gross Other Income:
Work Status:
No. of Years at Current Job:
Assets:
Property Assets:
Savings Accounts:
Investments:
Home Contents:
Superannuation:
Other Assets:
Total Assets:
Liabilities:
Current Property Loans:
Other Loans:
Credit Cards Limit:
Credit Cards Balance:
Other Liabilities:
Total Liabilities:

Contact Details:
Residential Address:
Address:
Suburb:
State:
Postcode:
Postal Address:	same as residential address
Address:
Suburb:
State:
Postcode:
Contact Details:
Phone:
Email:

Loan Details:
Is this a New Loan or a Loan Refinance?
Is this Loan for an Investment or Owner Occupier?
Will the Loan be a Variable or Fixed Rate Loan?
Is this an Interest Only or Principal & Interest Loan?
What is your Preferred Loan Repayment Term?
Do you require a Redraw Facility?
Do you require an Offset Account?
Do you require a Line of Credit Facility?	More Info
Are you a First Home Buyer?

New Property being Purchased:
What is the Value of the Property being Purchased?
What is the Property Type being Purchased?	More Info
Enter Stamp Duty and Government Charges:	Click Here to Calculate
What Cash Deposit do you have?	More Info

Loan being Refinanced:
What is the Current Loan Balance to Refinance?
What is the Property Type being Refinanced?	More Info
What is the Value of the Property being Refinanced?
What is the Interest Rate on the Loan to Refinance?

Loan Required
Loan Required:
Total Property Value:
Loan to Value Ratio(LVR):
Loan to Value RatIs Lenders Mortgage Insurance(LMI)Payable:

More Information

This type of property loan revolves around equity built up in your property and allows access to funds when needed. Each month the loan account balance is reduced by the amount of cash coming in and increased by the amount withdrawn in cash against the loan. As long as there is consistently more cash coming in than going out these accounts can work well. However, they can be very costly if the balance of the line of credit is not regularly reduced. It requires an interest-only payment as a minimum each month, which can add up to a lot of interest over the long term.
Whilst this loan is the most flexible type of home loan its main disadvantage is that it generally has a higher interest rate. The higher interest rate and in turn loan repayments generally is not worth the additional flexibility.

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Need to add.

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Need to add.

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Lenders Mortgage Insurance (LMI) is payable when the Loan LVR exceeds 80%.
To avoid Lenders Mortgage Insurance (LMI) ensure your Loan LVR is Under 80%.

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Thank you for your Application.
A Loan Proposal will be emailed to you shortly detailing the best available loans based on the information submitted by you.