Ready to take the next step toward your dream home? Our Melbourne Home Loan experts are here to help you navigate the home loan journey with ease. From competitive rates to personalised credit advice, we’ll ensure you secure a home loan that fits your requirements and objectives. Start your journey today—your dream home is closer than you think!
At Lend A Loan, we partner with over 70 leading banks and lenders across Australia to provide you with a wide range of options. From major banks to specialist lenders, our panel ensures you have access to competitive rates and tailored solutions to meet your unique needs.
Don’t just take our word for it, read what our clients say about us and our services.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Don’t just take our word for it, read what our clients say
Business Owner
I'm grateful to have found Equity for my startup. They offered flexible loan options and guided me every step of the way. My business is thriving, and it's all thanks to them.
Entrepreneur
The team at Equity took the time to understand our specific needs. They offered competitive rates and a flexible repayment plan that helped us expand our manufacturing operations.
Manufacturing Business
I can't thank Equity enough for helping me secure the financing I needed to open my dream retail store. Their team is responsive, professional, and truly cares about their clients' success.
Businessman
Using a finance and mortgage broker offers many benefits. At Lend A Loan, our brokers have access to a wide range of lenders, comparing loan options tailored to your needs. We explain each product in clear, simple terms, ensuring you fully understand the features and fees.
We focus on your goals, recommending only what’s in your best interest, as required by law. Unlike comparison sites or banks, our brokers prioritize your needs to find the right loan.
Getting started with Lend A Loan is easy. Book an appointment or request a callback today— our Melbourne-based brokers are ready to help you find the best solution, hassle-free.
One of the first steps we take is to learn about you and any other entity involved, your lending requirements in order to ensure we find a product that meets your individual requirements.
Once we complete a preliminary assessment we then compare loan products and provide you with a credit proposal showing what lending product we considered and our recommendation.
Once all of the your documents are provided to us. We will submit your application to the selected bank or lender. We will regularly update you on your application progress through to settlement
Once your loan has settled your broker will contact you and explain all you need to know about your loan. We will regularly get in touch with you to review your loan product and interest-rate
Perspiciatis unde omnis iste natus error sit totam dolore magna.
A 100% offset account is a savings transaction account linked to a home loan account.
Offset accounts are useful for owner occupiers (home loans) because they allow the borrower
to save on their overall cost.
Offsets accounts are also the perfect mortgage feature to assist
with an investors long term tax preservation strategy. No interest is paid to the offset account but instead the balance of your offset account is deducted from your loan account before the interest on your loan is calculated. Therefore less interest is charged to your loan.
Basic Variable Rate Home Loans as the name suggests are very basic home loans with lower
interest rate but with less features than a standard variable rate home loan. This type of loan
generally has no ongoing monthly fees. As with all variable rate home loans the interest may
be increased or decreased according to the market. Basic variable rate home loans suits
budget conscious customers.
Standard Variable Rate Home Loans are the most popular type of loan. This type of loans are
linked to the official Reserve Bank rate thus depending on rates going up or down your
repayments will go up and down. Standard Variable rate home loans are flexible and may
include optional features such offset, the freedom to make extra repayments, to redraw funds
or split your loan. This type of loan might allow to incorporate an introductory discounted
rate.
Fixed Rate loans as the name suggest is a loan with fixed interest rates for a set term. You can
choose anywhere from 6 months to 15 years to have fixed rate home loan. Please note if the
Reserve Bank drops interest rate, fixed rate home loan does not allow the reduction of
repayment amounts. These loans can be combined with variable rate products to provide a
mix of security and flexibility. You can have half of your loan as standard variable loan and
the other half as fixed.
Stay informed with the latest news and updates from your trusted mortgage broker
LEND A LOAN Credit Representative 514359 is authorised under Australian Credit License of Australian Finance Group Ltd ACN 066 385 822 (AFG) Australian Credit Licence 389087.
Copyright © 2024 LEND A LOAN. All rights reserved.
Thanks to Equity! my small business received the funding it needed to expand. The application process was smooth, and the team was incredibly supportive throughout.