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Disclaimer

General

The information provided on or available from this website (including any report) is a guide for general information purposes only and does not take into account all of your personal circumstances. It does not constitute financial advice or mortgage broking services. and should not be taken as giving any recommendation, suggestion or opinion in relation to any loan product.

Featured Interest Rates table

This table gives comparative information and should be used as a general guide only. The display of any loans does not constitute an offer of those loan products and should not be taken as suggesting that you apply for any particular loan product, or remain in any loan product. You may not be eligible for all or any loans displayed. All loans are subject to the lender's terms, conditions, lending criteria and approval. We strongly recommend that you explore your options with a qualified mortgage broker.

You acknowledge and agree that this report:

  • Does not consider any applicable fees and charges, which may vary depending on the product, and during the loan term, including account fees, application fees, early repayment and termination fees. These fees may impact upon the results including the repayment amounts and overall loan cost;
  • An indicative value for lenders mortgage insurance has been included in the repayments and Required Loan amounts if the deposit is less than 20%, actual cost may vary;
  • May display loans with a special introductory rate which may revert to a higher rate during the loan term;
  • Relies on information included and present circumstances including interest rates and repayment cycles which may change over the loan term and impact on results;
  • Does not include all credit providers and may not compare all features relevant to you;
  • Ranks products based on interest rates. Comparison rates may give a better indication of the total loan cost as it takes into account some fees and charges.

Other features of the report:

Interest Rates

Interest Rate information is provided by "AFG", is valid as of the date of the report and are subject to change at any time by the lenders.

Monthly Repayments

Monthly repayments calculations are based on the published interest rates available, the loan amount and a 30 year loan term. They do not take into account fees and charges. Some loans may have a special introductory rate which may revert to a higher rate during the loan term. Actual repayments may vary based on your individual circumstances and interest rate changes.

Lenders Mortgage Insurance

Lenders Mortgage Insurance (LMI) will generally apply if your Loan to Value Ratio (LVR) is over 80%. LMI values included where applicable in the report calculations are indicative only and based on a full doc loan. Actual LMI cost may vary greatly between lenders and higher costs may apply for low doc, investment or self employed loans. For low doc loans LMI may apply if the LVR is over 60%. Not all lenders allow LMI to be built into the loan. Your home loan professional can discuss LMI with you based on your circumstances.

Borrowing Capacity

This calculation is based on the information you submitted including income, expenses, the average standard variable rate as of today and a loan term of 30 years. This result is purely a guide and does not relate to any specific lender. Each lender has their own methods of calculating borrowing capacity. HLR accepts no liability whatsoever in relation to this calculation.