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Types of Home Loans

Home loans come with different options and features. We explore these options to ascertain what type of loan will best suit you and your needs.

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Types of home loans

There are many different home loan options available. We explore the four most common loans below. Your Finance Broker can help you to determine which options best suit your needs.

Variable rate loans

A variable rate home loan is where your interest rate will vary with market changes. This may mean that your minimum repayments will also vary.

Fixed rate loans

A fixed rate loan is where your interest rate is essentially fixed for a set period. This means your minimum repayments will remain the same.

Construction loans

Construction loans are designed to help you build your dream home. It allows for your finance to be paid in stages as the build progresses. Typically, you only pay interest on the amount that is drawn at each stage, as opposed to the whole loan amount.

Guarantor loans

Guarantor loans are a type of loan that requires a guarantor to co-sign for finance. Essentially, this means the guarantor agrees to repay the borrower’s debt should the borrower default.


We help you determine what type of home loan will best suit your current needs and situation.


We understand that everyone has different needs, schedules, and availability. We’re happy to meet face to face, over the phone or online at a time that suits you.


Let us help make your home ownership dreams a reality for now and into the future. Our end-to-end financial solutions can support you throughout any stage of your life journey.

Let us help you secure your first home.

Book a free meeting
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