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LOAN FEATURES

Some of the features that attract home buyers also attract property investors. These features, particularly the ability to switch from a variable to a fixed rate loan, are important for many property investors.
Some essential features to consider:
Professional Package
Professional packages are based on certain values. The bigger the loan amount, the more likely it is for the lender to offer discounts on interest rates.
Advantages:

  • Discount on interest rates as well as other products
  • No monthly account fees

Disadvantages:

  • Borrower might not necessarily need these features
All in One Home Loan
This type of loan account serves as a combination of savings account, cheque account and combined mortgage. Your wages are deposited directly into your mortgage. The amount of interest is reduced by the extra cash in the account.

Advantages:
  • Flexible and convenient
  • Proper utilization can lead to interest savings
  • Tax effective

Disadvantages:

  • Generally higher interest rate
  • Higher entry fees and ongoing fees

Offset Account
An offset account serves as a savings account for a loan. But instead of earning interest, the funds in the offset account are offset against the remaining loan balance, effectively lowering the cost of interest.

Additional Repayments
If you have money stored in a savings account, think about investing it in your mortgage–you’ll be better off financially. Most standard variable loans allow you to take back those extra payments via redraw facilities if needed.

Redraw facility
This feature allows you to access the additional repayments you made into your home loan account.

Portable loan
A portable home loan allows you to take an existing loan to another property without having to pay out your existing loan. This can save application and legal fees.

Top-up
This feature allows a borrower to further increase his home loan limit with the equity of the property used for renovations and other needs.

Fixed Rate Switch
This enables the borrower to switch from a variable rate home loan to a fixed rate home loan.

Repayment Holiday
With this feature, the borrower is allowed a term with reduced payments or a holiday from home loan repayments.

Cash Back Mortgage simplifies the process of helping you buy an investment property.

  • Easy to get started: Simply Call Us
  • Easy to use: simply click for home loan comparisons
  • Cash Back Mortgage refunds up to 70% of the Upfront Commission

Call us for your FREE Property Investment E-book on 1300 640 988.

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