Home Loan Merrylands
Buying a home is one of the biggest decisions you’ll ever make. Whether you want to purchase your first home, buy an investment property, or refinance an existing loan, custom lending solutions are needed. Caspian Financial Group specialises in home loans across the financial landscape. We offer trusted advice and multiple lending options from leading national lenders.
Not all home loans are created equal, with even the smallest differences likely to cost you thousands if you don’t get it right. There are lots of issues to consider, including mortgage rates, loan terms, deposit amounts, and terms and conditions, among other factors. It’s almost impossible to compare and contrast multiple lenders by yourself, with a mortgage broker able to act on your behalf with your best interests at heart.
Loan features and options
Buying a home is both exciting and challenging. There are lots of factors to analyse, with each mortgage coming with its own set of features and options. From the interest rate on offer to the loan term and conditions, we can help you make the right decisions from the outset. Home loans feature the following options:
Interest rate type – Fixed rate and variable rate home loans are both widely available in the Australian market. There are pros and cons to each approach, with fixed rates offering security at the expense of flexibility, and variable rates offering flexibility at the expense of security. At Caspian Financial Group, we offer valuable advice and leading home loan products tailored to your needs.
Interest rate amount – Along with the interest rate structure, it’s also important to be aware of interest rate amounts and how they change over time. While the official cash rate is a good guide, market rates available from banks and other financial institutions can differ greatly. At Caspian Financial Group, we compare current market conditions and find leading offers that work for you.
Deposit and costs – Setting a home loan budget can be tough without professional advice. From the initial deposit to the upfront costs and monthly mortgage fees, we can help you to create a working budget so you can avoid nasty surprises. Common expenses include your deposit, mortgage payments, stamp duty, legal fees, inspection fees, and insurance costs. At Caspian Financial Group, we find home loans that work for you throughout the lending cycle.
To estimate your home loan repayments, please visit our Loan Calculator