Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 112 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 112 Reviews
When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the FBAA and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book Appointmentsm
steven merry
Very professional and walked us thoroughly together every step of the way. Went above and beyond to work with us on our needs. High recommended.
HS
Hannah Song
Terry is a true expert in his field, whom I recommend without hesitation. I recently went through the stressful process of selling a home and buying a new one, and what could have been the biggest hassle, securing a loan, was completely taken off our shoulders, huge thanks to Terry!! What sets Terry apart is his extensive banking experience and deep knowledge of lending products. He made the entire process simple and seamless, never overwhelming us with unnecessary detail. Because of the trust we had in his expertise, we were able to focus on the other aspects of our move, which made all the difference during an otherwise stressful time. We can’t thank you enough, Terry, for your professionalism and support in helping us secure our new dream home. We couldn’t have achieved without your help. Thank you again, I would always & enthusiastically recommend you to anyone seeking lending services.
TN
Thoshini Niy
After coming from an unsatisfactory experience with another broker, Terry was able to understand the position I was in and provide me with more realistic attainable loan options for my 1st investment property. Terry was crazy responsive - usually replies within 5-10minutes, answered all of my questions and made the loan process efficient and smooth. Looking forward to using Fundex Capital again. Thanks Terry!
Often, Brokers have relationships with various lenders. We go through a process of accreditation with each lender which builds trust and opens the door to beneficial rates and services. Get in touch today and we will see if we can negotiate on your behalf.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Brokers are here with a stockpile of knowledge and contacts. It is our job to help you from start to finish with research, paperwork, communicating with the lender and finally settlement. We handle all of the paperwork and communication for you to ensure a smooth and easy process.
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you. Our services won’t cost you a cent. Commonly, brokers get their fees paid by the lender after your finance has settled.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
Fundex Capital ABN: 12 656 758 468, Fundex Capital Pty Ltd ABN: 12 656 758 468. Credit Representative #537772 is authorised under Australian Credit License #384704.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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