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Home Loan Warehouse | Expert Mortgage Brokers

I have a good job with little savings, can my family help me get a home loan?

I have a good job with little savings, can my family help me get a home loan?

Does the 100% Home Loan Still Exist? If you are one of those individuals who have a good-paying job yet have little savings or a perhaps you are a recently married couple who want to buy your own house but have limited resources (deposit) right now due to the huge expense of getting married, then there’s good news […]

The new fixed rate loans – almost like a variable loan or are they?

The new fixed rate loans – almost like a variable loan or are they?

We all want the best deal possible and that often means looking for the best rate out there that fits our circumstances. However, at what point do we begin to forward plan and treat our finances a bit more like a business would. Rates are low now and they have been for many many months. […]

Why use a mortgage broker

Why use a mortgage broker

Your mortgage broker knows that you have better things to do than search hundreds of websites looking for a home loan. They also understand that finding the right loan is one of the most important decisions you will make. Your broker will: Talk with you about your needs, goals and plans Use the information you […]

What is a home loan health check?

What is a home loan health check?

Many customers can save large sums of money by adjusting how they pay their home loan and finding a better home loan package. A home loan health check is a simple way to find our how your home loan compares to what else is in the market. All it involves is a conversation with your […]

Bank offers no Lenders Mortgage Insurance to 90% LVR

Bank offers no Lenders Mortgage Insurance to 90% LVR

One of our banks has a spring promotion where no LMI is payable on loans up to 90% LVR ( loan to valuation ratio ).  This significant discount is open to host of professions and government employees. Usually, banks reserve this for Doctors and other specialist professionals. If you are in the market for a […]

Granny flat Construction Loan

Granny flat Construction Loan

Granny flat Construction Loan Cash is king. It’s a phrase you would have heard many times. In the world of property investment “Cash flow” is king, at least to some investors. Perhaps not every property is suitable for a granny flat but those who have done it make compelling arguments in favour of the use […]

40 banks to choose from

40 banks to choose from

Home Loan Warehouse has a significant panel of trusted banks and lenders. With up to 40 to choose from we believe we can find you the home loan that is right for you. Home Loan Warehouse brokers will never charge you a mortgage broker fee or a fee for service for a residential property. It […]

Case Studies

Case Studies

See exactly how we can help you get the home loan that is right for you.

Self-Employed

Self-Employed

Most banks require two years full financials as evidence of the income stated by a self-employed applicant. Each of these banks on our panel will apply different approaches to how they assess the income items in the financial statements. In turn this will determine  how much can be borrowed and if the applicants qualify at […]

Granny flat loans

Granny flat loans

Lowest Home Loan Rates In Years It makes sense to use a Home Loan Warehouse mortgage broker. Home Loan Warehouse has a growing panel of 40 Plus trusted banks and lenders so rather than shop around going from bank to bank all you need to do is make one call to us and have one […]

Bad Credit

Bad Credit

In the current climate bad credit finance is cheaper than it has been for some time and therefore available to more customers. As brokers we have mainstream and well respected lenders on our panel that will consider finance to applicants with defaults that are paid or unpaid or who have been discharged from either a […]

Commercial property and self managed super fund finance.

Commercial property and self managed super fund finance.

Compliant self managed super funds that remain compliant enjoy significant taxation concessions. 15% tax on the income of the fund 10% tax on the realised capital gains of the fund (held for more than 12 months) All borrowing activity must meet the following criteria: Funds should be borrowed to acquire an asset The asset should […]

Investment Property & Investment Property Refinance Options

Investment Property & Investment Property Refinance Options

Investing – we are specialists in investment property refinance and restructure. We often see clients who believe they are stuck and do not have capacity to make further investment. When this happens we consider whether investment property refinance is suitable for them. Whether you’re new to the investment mortgage market, interested in investing, or you’re […]

$1 LMI – whats the catch?

$1 LMI – whats the catch?

Lenders Mortgage Insurance can be a massive cost. This cost will be reducedto $1 up to 90% given that certain conditions are met. Note that this lender is still applying the qualifying criteria of LMI (which is generally stricter in terms of who can borrow) but just picking up the tab. Who get this deal? […]

FSI Says Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds.

FSI Says Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds.

Article Source FSI.gov,au Recommendation 8 Remove the exception to the general prohibition on direct borrowing for limited recourse borrowing arrangements by superannuation funds. Description Government should restore the general prohibition on direct borrowing by superannuation funds by removing Section 67A of the Superannuation Industry (Supervision) Act 1993 (SIS Act) on a prospective basis.74 This section […]

Refinancing Your Home Loan

Refinancing Your Home Loan

Refinancing can be used to reduce weekly repayments, reduce your interest rates, release cash or restructure your loans to right way. The process of refinancing is simple. However, in order to get a great refinancing deal it makes sense to use a mortgage broker. Home Loan Warehouse has a growing panel of lenders so rather than […]

To fix or not to fix

To fix or not to fix

John Symond, the founder of Aussie Home Loans, has revealed he has taken five-year fixed loans for his Sydney investment property portfolio. The refinancing was done this week. “I’ve never been a proponent of fixed rates,” he told Ross Greenwood’s 2GB Money News (27.30 minute mark of recording) last night. “But I’ve gotta fess up, […]

No Bas Low Doc

No Bas Low Doc

Can you get a low doc loan without supplying Bas returns? Yes. Most major lenders will require that you supply 6 to 12 months bas returns with your application. They will use these to verify the income you have placed on your self declaration. A more suitable option may be to have your accountant prepare […]