Home Loans, First Home Buyers Grant, Low Doc Home Loans
Simply fill in the enquiry form on the right for a free assessment. We can help you even if you are struggling to pay your credit card debt, personal loans and car repayments.
Whether you are looking to upsize, downsize or invest, we have a wide range of home loans to suit everyone. We offer competitive home loan rates to first home buyers, the self employed (including low doc loans), property investors and those simply wishing to refinance an existing loan.
First Home Buyers - Take Advantage of the First Home Buyers Grant
Being a first home buyer is an exciting time. Your property is undoubtedly one of the biggest purchases that you will make in your lifetime. Finding the right first home and using your first home buyers grant effectively is a great way to get started. At Australian Lending Centre, we help first home buyers each step of the way.
You need to be confident that you have the right home loan for you.
Australian Lending Centre will go through the simple home loan application process with you. We look at whether or not you have a deposit, calculate exactly how much you need to borrow and the best repayment plan for your lifestyle and financial situation.
First home buyers often find the process quite confusing and overwhelming. At Australian Lending Centre, we'll be there to help you every step of the way and to explain the home loans process in plain and simple English.
We'll even help first home buyers with their application for the First Home Owner Grant Scheme. You may be eligible to receive the one-off grant of up to $7,000 and be stamp duty exempt if the property is below the purchase price of $500,000. To qualify for the First Home Owner Grant you must:
- be an individual, that is, not a company or trust.
- be a permanent resident or Australian citizen.
- be at least 18 years of age.
- not have owned a residential property before 1 July 2000 (this applies to you and/or your spouse)
- not have received the First Home Owner Grant previously.
- occupy the home as your main place of residence for a continuous period of six months within a year of settlement or construction of the home.
Self Employed Home Loans (Low Doc Home Loans)
As your own boss, you usually work long and unpredictable hours. You may also have irregular income, and find it difficult to make time to organise your paperwork. Applying for a home loan can be overwhelming and discouraging, especially when you do not meet the bank's many application demands - that's why many find low doc loans attractive.
At Australian Lending Centre we've simplified the process for you with our special range of low doc home loans which give you a better interest rate without the mountain of paperwork.
We value you as a person and offer you personalised home loan service from start to finish.
Home Loans for Property Investors
Are you thinking about buying an investment property or even renovating one that you already have? Property investment is a great vehicle for increasing your extra earning potential with the money that you already have but finding the right home loan is crucial.
Finding the best home loan will guarantee you stay on the right financial track to maximise profits on your investment property.
Alternatively, if you are looking to renovate an existing property to improve it's value, then we can set you up with an appropriate renovation home loan.
So, whether you are a first home buyer, adding to your property portfolio or looking to refinance your existing home loan, we can find a home loan package to suit your needs.
We offer loans to suit all of the following:
- Basic home loans
- Standard variable rate home loans
- Fixed rate loans
- Equity line of credit home loans
- Packaged home loans
- No deposit loans - use the equity in the home of a family member or friend toward the purchase of your new home.
- Non-conforming loans
- Debt Consolidation loans
Contact the Australian Lending Centre right away to hear about your options for a home loan. We offer no-obligation, free assessments - simply fill in the enquiry form on the right.