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loans

Find out how much YOU CAn get ?

about the loans

The type of loan you choose will come down to your situation. It’s important to tell us about your current goals and future plans so we can tailor the loan to your needs.

WE DO THE WORK FOR YOU!

Choose from 30+ lenders to access better rates and more

BUILDING RELATIONSHIPS NOW FOR TOMORROW.

Your trusted finance team through your unique journey

Owner occupied loan

This is the cheapest lending rate you will get! These owner occupied loans enable you to buy your home and the rate is reflective of the risk. Essentially you are less likely to ‘not repay’ your home loan than you are your investment loan. Owner-occupied home loans have reduced from a high of 19% in 1989 to under 2% in 2021.

Residential investment

An investment rate is for anything other than your home property or improvements to your home property. An investment property carries a slightly higher risk rating as mentioned above and also the fact your tenants may not pay their rent to you! The increased risk is passed through to the borrower via the rate.

An investment rate also applied to borrowing for other investments including shares, managed funds, or other derivatives.

Commercial loans

These vary greatly. Some commercial loans look like your average residential loans (typically with shorter terms). Some are based on the current lease arrangement whereas others are dependent and priced on the type of commercial property. Commercial loans differ from shop fronts, warehouses, massive acreage, and beyond!

getting into it with these tools and guides

Choosing from over 2,500 different home loan options means you can find the right loan for your individual needs. Plus, our experts will negotiate on your behalf to get you the best deal possible.

getting approved for home loan

Whether you’re planning on selling your home soon, refinancing your home loan or are simply curious about how much your home is worth, appraisals and valuations can provide a lot of insight. We’ll explain what the difference is between a property appraisal and a formal valuation, as well how to increase your home’s value.

A property appraisal is essentially an estimate of your home’s value conducted by a real estate agent. Agents will compare your property

Positive: Professionalism , Responsiveness Darren and Rachael have been a huge help in advocating to get my bank approval happening in time and very quick and efficient along the way. Thank you!
Meg Avatar
Meg
11/08/2021
01. We get to know each other

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

02. We find the right loan for your circumstances

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

03. We do the work and settle your loan

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

04. We keep looking after you

Tell us a bit about yourself, your needs and home loan preferences. We’ll ask about your income, expenses, credit history, employment history and any current loans. You can complete this in your own time. Your application will be securely saved and waiting for you.

common home loan questions

How much does it cost to use the Fundd service?

It usually costs you nothing to use fundd to get your loan. This is because we are paid by the lender with who we align you with.

In nearly all refinances, we save you a ton of money and improve your financial situation. You literally make money from us working for you.

How is this possible? The lender’s profit share with us. They opt to do this as we do all the leg work and introduce you to them. This means the lender does not need to pay for home loan writers of their own and the administrative tasks stay with Fundd ongoing too.

In rare circumstances, we need to charge a fee. If this is the case we will tell you upfront why and how much this fee will be. A fee is usually systemic of a complex lending situation.

How much can I borrow?

Head over to our calculator’s page and check them out! We have the best calculators in the business. These, of course, are not a reflection of individual banks borrowing assessments.

We can complete an accurate borrowing assessment after you fill out the client centre and we get to know you better!

How do I get started?

You can start with either questionnaire on the home page, talking to us via our chat widget, email or phone us 🙂

Do I need a conveyancer?

Yes. Whether you’re buying or selling you will need one. Contact us and we will gladly recommend a professional based on your situation.

We do not get paid for our conveyancer recommendations or share any commission payments with any of our legal professionals.

How much is stamp duty?

Head over to our calculators page and use our stamp duty calculator! We have the best calculators in the business.

 

What discounts do first home buyers receive?

You may be eligible for stamp duty rebates, first home buyers grants, or other government schemes. It will depend on what state you are in. It is best to contact us and we will let you know!

What states do you help with loans?

Australia wide. We have offices in QLD & WA and we plan to open offices in other states very soon.

Irrespective of where we are located physically, we can connect with you from our office or home-based office and assist with any of your Australian lending needs!

Do I have to see you in person?

Definitely not. The coronavirus completely changed the way we did business. Although you will see us face to face at some stage, it will usually be done via google meets, zoom or skype!

We can still cater for an in-person meeting. It is best to call, chat first and then we will arrange a time that suits you!

Do I need to submit paperwork to get a loan?

Yes absolutely! Would you give someone a loan without getting to know them?

We will only collect the information we need. The information will be sensitive and personal so we will definitely take great care of it.

We do not want any physical documents sent to us as we will not return them back to you. Please only send us soft copies as part of the fact find through our client centre.

We utilize Cashdeck to securely collect your bank statements and our CRM Mercury will store all your personal information. Head over to our privacy policy and have a read.

Will you send a recommendation?

We’ll crunch all the data and make a recommendation that we believe best serves you.

We will send you a compliance document outlining why we recommended it and how it meets your needs!

At any time if you are unhappy with the recommendation, contact your broker or team@fundd.com.au and we will review it!

We’re here to help

Our experts will help you search, choose and settle your home loan. Chat to one of our Home Loan Specialists at a time that suits you.