Home Loans Victoria

Home Loans in Victoria by RealLoans

Are you looking for a loan for your first home? Are you an experienced investor? In a need of refinancing your current Melbourne home loan? 

Look no further! RealLoans Mortgage brokers Victoria are here to assist you with any loan requirement.

We specialize in various types of loans be it home loan, investment property, asset finance or any other.

Expert broker at your service

Talk to an expert broker

We have one of the best home loan brokers that provide every customer a personalised service depending on their individual needs.

30+ Lenders

With many lenders available, RealLoans Mortgage Brokers will provide you with the loan option that is best suited for you.

Easy Loan Approval

Mortgage Broker at RealLoans will guide you throughout your loan process and ensure you have a quick easy loan approval. 

Loan settlement

We will ensure that your loan application process is smooth and we will keep you informed throughout the process until the settlement. 

Home Loans Services in Victoria

First Home Buyer Home Loans

It can be very stressful and a daunting task when looking to buy or build your first home. Most of the people are not aware of the requirements for first home loan and find it traumatic and frightening as it is their first time. We at RealLoans Melbourne will ensure that it is not such a journey for you. We will support you throughout while assisting with the preparation of the documentation required for the mortgage. First home buyers may be eligible for First Homeowner Grant (FHOG) and stamp duty exemption.

Investor Property Loans Victoria

An investment property is a property where you invest money to make a profit either by renting it out or selling it in future.

Loans on investment properties are generally stricter regarding the documentation that is required for loan approval. They may also be set at a higher interest rates and require large amount of initial deposit. So, applying for investor home loan is a complex process as compared to other home loans.

Our Mortgage brokers are experienced professionals. They will make sure that you are granted the most suitable loan for your investment property promptly.

Construction Home Loans

This loan is different from other home loans. Construction loan finances the borrowers while they build their dream house from a vacant lot.

Lender does not give out full construction loan in one go. The money is given in stages depending on the completion of work. The final stage is completion stage which generally involves inspection from the lender. This is done to ensure the money is spent on the construction before the final stage money is released.

As construction loan differs from other loan, the mortgage process can be tricky. Our Mortgage brokers at RealLoans can assist with your application as we specialize in construction loans.

Bridging Home Loan Victoria

This loan is a short term one generally for 6 months and is to finance the purchase of new property while the old is being sold and settled. The lender usually takes over the loan on existing property along with the new one. This enables the borrower to borrow more mortgage as the old mortgage doesn’t count towards the whole amount owed to the lender. It can be tricky to apply for bridging loan which our mortgage brokers can assist with. We will take care of your loan process while you look for new property of your dreams.

Next Victorian Home Loan

So, you have decided to move on to a new home or thinking to take out an investment loan. It may be that you are moving into a bigger, better home or just looking to invest in a property.

Whatever the reason may be, RealLoans Australia will assist you with your loan grant. 

Home Loan Refinance Victoria

This loan is a short term one generally for 6 months and is to finance the purchase of new property while the old is being sold and settled. The lender usually takes over the loan on existing property along with the new one. This enables the borrower to borrow more mortgage as the old mortgage doesn’t count towards the whole amount owed to the lender. It can be tricky to apply for bridging loan which our mortgage brokers can assist with. We will take care of your loan process while you look for new property of your dreams.

Home Loan Pre-approvals in Victoria

So, you have decided to move on to a new home or thinking to take out an investment loan. It may be that you are moving into a bigger, better home or just looking to invest in a property. Whatever the reason may be, RealLoans Australia will assist you with your loan grant. 

Home Loan Lenders

RealLoans have a good list of lender that offer range of home loan products which includes variable interest rate home loans, fixed interest rate home loan, interest only loan, Principal and interest loan with features like offset account or extra repayment.

FAQs

What are the different types of home loans in Victorian that RealLoans can help me with?

RealLoans can help with home buyer buying their first home or next home, home refinancing, investor property home loans, construction loans, home loans pre-approvals in Victoria.

How much is first home owner grant in Victoria?

The first home owners grant is 20,000 if your are home home owner buying in regional Victoria and 1000$ if buying in non regional Victoria.

Which home loan should I go for fixed interest and variable interest?

This is entirely up to you, if you need fixed monthly instalment you can go with fixed, whereas the variable interest home loan may go up and down depending upon the reserve bank and your lender.

What is the stamp duty for buying a home in Victoria, Australia?

Stamp Duty in Victoria (also known as Transfer Duty or Duty) is a tax paid to State Revenue Office Victoria upon purchase of a property.
The amount of stamp duty to be payed in Victoria, Australia depends on the type and value of your transaction.

Talk to an expert broker.

Home loans in Victoria

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