First Home Buyer

Selecting the right Happy Talk Home Loan

There’s a lot to consider when you’re looking for a home loan, but our Home Loan Advisers are here to help and give you solid, practical and easy to understand advice.

And with happy talk home loans we search through hundreds of home loans in the market to find the right one for you.

The key to getting the home loan that’s right for you is research, planning and an honest look at your current financial situation.

There are many things that we would discuss with you when assessing your home loan needs and determining the most appropriate solution – indeed way too many to be covered in full here. Below are just a few of the major areas:

Features of a home loan:

• Type of repayments – whether fixed or variable or both
• Principal or interest only
• Whether for a new home, building or renovating
• Your ability to make extra repayments
• Your need to access your funds through the convenience of redraw
• Whether with or without an offset facility
• Your ability to access the equity you have available in your home
• Type of everyday transactional account you want linked to your home loan

And many more which you can discuss with your Home Loan Adviser. For further information on home loan types, click here.

How much can I borrow?

It’s important to work out how much you can borrow and what the repayments will be before you start shopping for your dream home – your home loan must suit you, your goals and your budget. It’s easy to work though, just enter your details in our handy calculator.

What will my repayments be?

Want to know what your repayments will be if you pay weekly, fortnightly or monthly? What about interest only as an option? For a simple and easy guide to what your repayments will be under a variety of situations, just enter your details in our handy calculator.

Stamp Duty

Stamp Duty is payable on the value of your new home. It’s a tax levied by your State Government so there’s not much we can do about it except advise you to consider how it will impact on the amount you can borrow.

To calculate the stamp duty on your home, enter your details in our calculator. Remember that there are other things you’ll need to consider when you’re contemplating buying a home and establishing a home loan including conveyancing costs, valuation fees, insurance costs, real estate agent fees and even your moving costs. Speak to your Home Loan Adviser to find out all you’ll need to know.

Budget Planning

There’s not much to be gained if you have a roof over your head but not enough money to pay the bills and regular expenses of living! This simple tool enables you to have a better understanding of your income and expenses. Enter your details so you can better assess what you can afford and how much you’ll be able to save.

Start enquiring about your Happy Talk Home Loan Today

Now that you’ve considered the type of home loans available, how much you could borrow, what your repayments could be as well as other expenses, it’s time to have a happy talk with an Australian Central Home Loan Adviser.

We like to make things as easy as possible, so there’s a number of ways you can arrange a happy talk with one of Australian Central’s Home Loan Advisers.