Internet Home Loans - Australian Home Loan Services

Moving to a new home

Purchasing a new home but haven't sold the one you have? For new home finance solutions contact Internet Home Loans bridging finance home loan brokers. The main benefit of bridging finance is the ability to purchase a new property prior to sale of your existing property. Usually, you will have a period of to 6 months – 12 months where either minimal (interest only) or no (interest capitalised) repayments are required. You can take possession of your property giving you extra time to pursue a higher sale price for your existing property.

Bridging home loans will not suit all applicants. There are other strategies that can be employed including turning your existing property into an investment property. This may require a refinance of your current home loan to suitable investment home loan product. During the home loan refinance process, funds are released to cover deposit and costs for your new property. Placing a tenant in your current property plus the add backs possible with estimated taxation write offs can significantly increase your home loan borrowing capacity.

We always recommend you consult your accountant or financial adviser when considering investment home loan options.

Self-Managed Super Fund Home Loan

If you have a Self-Managed Super Fund and are looking to invest in property for retirement a Self-managed Super Fund Home Loan is the way to go.

Low Interest Home Loans

The lowest rate home loan in the market today is a basic variable rate home loan. It is by far the cheapest in the way of rate but lacks features which buyers sometimes require. If you’re looking for a “no frills” home loan then this is definitely the right way forward.

Investment home loans

Thinking about buying an Investment Property? Contact Internet Home Loans to see which Home Loan for Investment is available to you.

Debt Consolidation

Save money and have one loan repayment with a debt consolidation home loan

You can use available equity in your existing home or investment property to combine all your debts into one loan repayment with a secure debt consolidation home loan. In almost all cases, your monthly repayment commitment will be reduced freeing up some of your hard earned funds. Pay additional funds back into your home loan to minimise interest costs or use your extra for anything you like… the choice is yours!

First Home Buyers Home Loans

Buying your first home is definitely a daunting task. At Internet Home Loans we make the process simple and easy. We will provide advice, education and make sure that you are placed into the right product.

Bridging Finance

Moving to a new home? Internet Home Loans help arrange your bridging finance for your new home.

Guarantor Home Loans

Don’t have a deposit? Want to borrow 100% or 105%? No worries with a guarantor home loan from Internet Home Loans.

A guarantor home loan is the only way to borrow and complete a new purchase without the requirement of a cash deposit.

There are thousands of Australians at the moment who earn good money and can service a home loan however fall in the trap of not being able to save much money and quickly in the early years because of things like rent, HECS, credit cards, personal repayments and the like.

This unfortunately hinders them early on and keeps them out of the property market even though they can easily afford monthly repayments.

Help from a guarantor can solve this problem and get you into your dream home today.

There are many benefits involved in utilising a guarantor home loan. Some being:

No requirement of a deposit

You can borrow more money

Save money by avoiding Lenders Mortgage Insurance

Consolidate consumer debt like credit cards and personal loans

A no - deposit guarantor home loan from Internet Home Loans will satisfy above and beyond your expectations.

Call an expert home loan broker from Internet Home Loans today.

Investment Loans

Need an Australian investment home loan for an investment property or other investment purposes within Australia? Via Internet Home Loans, you can access the leading lenders in Australian home loans for all your investment home loan needs.

100% home loans / No deposit home loans

No home loan deposit? No problem! Australia's leading home loan specialist can arrange 100% home loans to keep your dream alive. Contact Internet Home Loans about 100 percent home loans now.

Need a "no deposit" home loan? Internet Home Loans makes borrowing for a 100% home loan possible.

YES, you can borrow 100% of the purchase price for your home or current value of your home. In some cases, more than a 100% finance to allow funds for costs or to consolidate other debts.

The 100% of the past however is now no longer available.

The only way in today’s market to finance 100% is through cross collateralisation meaning that equity from a guarantor in order for you “the buyer” to get 100% finance will be required.

If a guarantor is unavailable unfortunately 100% finance is not available. The maximum would be 95%.

If a security guarantee (family pledge) is available we can definitely provide funding and at prime rates. We can also discuss you paying no lenders mortgage insurance by taking advantage of the equity which your guarantor has built up in his or her property.

If a 100% Guarantor (family pledge) home loan is something that you’re interested in please enquire today to discuss your options.

Fixed Rate Home Loans

Going for a fixed rate home loan is a big financial decision that needs to be looked at seriously. There definite benefits involved in fixing your rate but there are several important factors that need to be considered.

Refinance Home Loan

Start saving today with a refinance through Internet Home loans. With new legislation passed in 2011, refinancing has never been easier. Borrowers are now free to discharge and leave their current financier without paying any discharge costs.

At Internet home loans refinancing accounts for approximately 30% of our home loan activity which is quite substantial. It’s not unusual for us to save our customers thousands by giving us the chance to hunt a better deal for them. Please read some testimonials

As part of the refinancing process we can also look at consolidating any debt outstanding such as credit cards, personals loans and the like. This is a great way to reduce your current monthly fixed costs and to get rid of high interest bad consumer debt.

A refinance with Internet Home loans is fun, easy and will always be a cost - saving exercise. Speak with a Refinancing specialist today and start saving.

Bank said no to your home loan

Not qualified for a home loan from a banking institution? Often when a bank says no, there is a quality home loan solution just around the corner. Talk to the leaders in Australian home loans about alternative home loan solutions to suit your needs.

Bank said No!

Banks Said No to your home loan?

When a bank said NO, let Internet Home Loans look at your home loan requirement. We can usually find a home loan or solution for you.

No financials available and need a low doc home loan

Apply for a low doc home loan (low documentation) if you do not have adequate proof of income, assets or liabilities. Using a declaration of your income rather than the traditional mounds of paperwork, Low doc home loans can help if you would not qualify for a fully verified home loan

Construction Home Loans

A construction loan is a specialised home loan product. The main difference in a construction loan compared to a standard home loan is the method of drawing down debt when it’s required rather than a one off transfer full the full amount required to complete purchase.

A construction loan allows for interest only payments for the land portion before commencing construction and interest only payments during the construction process.

The funds are drawn down generally in 3 stages. They are drawn down after certain work has been completed and documented evidence of this work is sent to the funder.

A construction loan will revert to a standard variable home loan once the construction is complete.

Enquire with Internet Home Loans today to discuss your construction loan requirements further.

Short term employment

Has your employment been short term? Short term employment can cause an issue with some lenders if the circumstances are not presented correctly. Contact Internet Home Loans for advice on financial solutions for short term employment.

Line of Credit Home Loan

A Line of Credit (LOC) works like a big credit card but with a lot more flexibility. A LOC is granted with a limit which is secured against your property’s value. It’s a great facility to have because you have access to money quickly making it extremely popular with property investors. It’s also great tool to help with renovations and developments.

Internet Home Loans can set up Line of Credit for you at a great rate. Please enquire about options available today.

Home loans for credit defaults / Bad debt home loan

Are you struggling with bad debt or have you have failed to make debt payments in a timely manner? Do you have a poor credit history? The non conforming home loan might be right home loan solution for you.

Bridging Home Loan

Unfortunately a situation may arise when you are in the position when you are buying your new property but have not settled on your current. This is a common occurrence and the product to cater for this dilemma is called a bridging loan.

At bridging loan will provide finance for the GAP in between settlement and purchase. Basically the lender agrees to take on both mortgages for a small period, such as a few days or a few months.

The exercise is expensive however may be the only way, a means to an end. A borrower would need to show that they can service their existing mortgage and also the interest portion of the new home loan.

All standard fees and closing costs would apply to the new loan.

If you require a bridging loan, contact Internet Home Loans.

www.internethomeloans.com.au/no-deposit-home-loans

Need a "no deposit" home loan? Internet Home Loans makes borrowing for a 100% home loan possible.

YES, you can borrow 100% of the purchase price for your home or current value of your home. In some cases, more than a 100% finance to allow funds for costs or to consolidate other debts.

The 100% of the past however is now no longer available.

The only way in today’s market to finance 100% is through cross collateralisation meaning that equity from a guarantor in order for you “the buyer” to get 100% finance will be required.

If a guarantor is unavailable unfortunately 100% finance is not available. The maximum would be 95%.

If a security guarantee (family pledge) is available we can definitely provide funding and at prime rates. We can also discuss you paying no lenders mortgage insurance by taking advantage of the equity which your guarantor has built up in his or her property.

If a 100% Guarantor (family pledge) home loan is something that you’re interested in please enquire today to discuss your options.

Equity Home Loans

Unlock equity from your home loan for personal use. Your home loan equity is a line of credit that you can use for any purpose, eg a new car, holiday, renovations, investments, debt consolidation etc.

Honeymoon Rate Home Loan

A honeymoon rate offers a cheaper introductory rate for a period of time (generally the first year). It will provide a discounted rate in the first year but then reverts back to the normal variable rate in the second. A honeymoon rate offers a good deal for the first year but may not offer you the same flexibility like a standard variable does with free redraw, internet banking and the like.

In certain circumstances a Honey Moon rate home loan is the way to go. Each and every customer has different requirements and objectives. An IHL broker will go through the pros and cons and will advise based on your scenario the best way to move forward.

Renovation Home loans

Looking for a home loan for those renovations you’ve always wanted? Contact the leaders in Australian home loans to secure a renovation home loan. We have access to home loans that suit all types of renovations .

Standard Variable Home Loans

A standard variable rate home loan is the most widely used product in the market. Reason being is that they usually bear a competitive rate plus also provide all the flexibility and features most borrowers require. A Standard variable rate offers features like extra repayments, free redraw of funds and the ability to split your loan.

At Internet Home Loans we have access to the best bank and funders in the country. You can be sure that a standard variable home loan from Internet Home Loans will include all the features you require and at a super competitive rate.

Business Loan Finance

Internet Home Loans can help you secure business finance for new and established businesses. Contact Internet Home Loans about finance for a business today.

Basic Variable

A basis variable rate is a “no frills” home loan that is focused solely on delivering the cheapest possible rate. A basic variable is great for someone that only has a focus on the lowest rate. The basic variable however has few features and less flexibility than a standard variable rate. A basic variable for example has no free redraw.

IF you think a basic “No frills” variable home loan is what you are after, Internet Home Loans is happy to organise and we guarantee the lowest rate for you.