overview
Residential Loans: Your Path to Home Ownership
At Deals4Loans, we understand that your home is more than just a property – it’s where life happens. Our Residential Loans service is designed to help you find the perfect home loan solution, whether you’re buying your first home, upgrading to a larger property, or investing in residential real estate.
Why choose
Deals4Loans for Your Residential Loan
Extensive Lender Network
We partner with a wide range of lenders to offer you more choices and better rates.
Personalized Service
Our expert brokers take the time to understand your unique situation and financial goals.
Tailored Solutions
We match you with loan products that best suit your needs and financial circumstances.
Streamlined Process
We handle the paperwork and liaise with lenders, making the loan application process smoother for you.
Ongoing Support
Our relationship doesn’t end at settlement – we’re here to support you throughout the life of your loan.
OUR Genre
Types of Residential Loans We Offer
Owner-Occupier Home Loans
- For those buying a property to live in as their primary residence.
- Options include variable rate, fixed rate, and split loans.
- Features like offset accounts and redraw facilities available.
First Home Buyer Loans
- Specially designed for those entering the property market for the first time.
- Access to government grants and schemes for eligible buyers.
- Low deposit options available.
Investment Property Loans
- Tailored for those purchasing residential property as an investment.
- Options to maximize tax benefits and rental yields.
- Interest-only repayment options available.
Refinance Loans
- For homeowners looking to switch to a better deal or access equity.
- Potential to lower interest rates or consolidate debt.
- Options to change loan features or lenders.
Construction Loans
- Designed for those building a new home or undertaking major renovations.
- Progressive drawdown to align with construction stages.
- Often converts to a standard home loan upon completion.
Bridging Loans
- Short-term finance to help you buy a new home before selling your existing property.
- Allows you to secure your new home without rushing to sell.
- Usually for a period of 6-12 months.
key features
Features of Our Residential Loans
Competitive Interest Rates
We leverage our lender relationships to secure you the best possible rates.
Flexible Repayment Options
Choose from weekly, fortnightly, or monthly repayments to suit your cash flow.
Offset Accounts
Reduce your interest payments by offsetting your savings against your loan balance.
Redraw Facility
Access additional repayments you’ve made if you need extra funds.
Fixed, Variable, or Split Rate Options
Choose the interest rate structure that best suits your needs.
Loan Portability
Some loans offer the option to transfer your loan to a new property if you move.
STEPS
Our Residential Loan Process
Initial Consultation
We discuss your property goals, financial situation, and borrowing capacity.
Loan Comparison
Our experts search and compare loans from our extensive lender panel.
Loan Strategy Presentation
We present you with tailored loan options, explaining the benefits and features of each.
Application Support
Our team assists you in preparing a strong loan application, including all necessary documentation.
Approval Management
We liaise with the chosen lender to secure your loan approval.
Pre-Settlement Coordination
We work with all parties (lender, conveyancer, real estate agent) to ensure a smooth process.
Settlement Coordination
We attend to final details to ensure your loan settles on time.
Ongoing Service
We provide continued support and regular home loan health checks.
Tools and Resources
To help you make decisions for your residential loan, we offer:
Home Loan Calculators
Property Reports
First Home Buyer Guides
Property Investment Resources
Regular Market Updates
Tax Saving Mutual Funds
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Strategy Building
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Customers Support
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Freequently Asked Question
How much can I borrow for a residential loan?
Your borrowing capacity depends on various factors including your income, expenses, debts, and the deposit you have saved. We can provide a personalised assessment of your borrowing power.
What documents do I need for a residential loan application?
Typically, you’ll need proof of income (pay slips, tax returns), identification, details of assets and liabilities, and information about the property you’re purchasing. We’ll provide a detailed checklist based on your specific situation.
How long does it take to get approved for a residential loan?
The timeline can vary, but we generally aim to secure approvals within 1-2 weeks of receiving all necessary documentation. Some lenders offer fast-track approvals which can be even quicker.
Can I get a residential loan if I'm self-employed?
Yes, many lenders offer loans for self-employed borrowers. These may require different documentation, such as business financial statements. We specialize in finding suitable loans for self-employed individuals.
Get Started Today!
Ready to explore your residential loan options?
Your dream home is waiting – don’t let finding the right loan hold you back. With Deals4Loans’ expertise in Residential Loans, you can navigate the home loan process with confidence and ease.
Contact our team today for a no-obligation consultation. Let’s find the perfect home loan solution for you!
Find Us
1c Hamilton street