Home Loan Services in Perth, Australia
We're Home loan and mortgage experts in Perth
Our expert home loan services in Perth, Australia, can make your dream home a reality with unbeatable rates, personalized advice, and a seamlessly easy application process that’s designed to make your journey stress-free and straightforward.
Buying Your New Home
Buying your first home is an exciting but challenging experience, especially considering the complex mortgage details.....
Government Home Loan Support
The Australian Government's Home Guarantee Scheme assists eligible home buyers to purchase a home sooner......
Refinance Home Loans
Refinancing your home loan can be simpler than you imagine, whether you're aiming to save on interest rates, lower your repayments, or fund renovations.....
Manage My Home Loan in Perth
Here are some smart hacks to consider for managing Home Loan:
- Plan Ahead: Understand your options when your fixed-rate loan ends.
- Extra Repayments: Pay more than the minimum to save on interest and shorten your loan.
- Savings Strategy: Utilize offset or redraw accounts to reduce interest while retaining access to your funds.
- Repayment Frequency: Opt for fortnightly payments for long-term interest savings.
- Tailored Solutions: Find the perfect loan for your evolving needs with our expert guidance.
How to Apply
Step-by-Step Guide to Getting Your Home Loan:
- Get Organized: Meet the basic requirements and gather necessary documents, such as ID, property details, proof of income, and existing debts.
- Apply Online: Enjoy the convenience of applying for your loan online with loans.com.au. Fill out the form and get pre-qualified quickly.
- Provide Documents: Upload your documents through our secure online system, onTrack. It’s easy to use, and our support team can assist you anytime.
- Approval and Signing: Once assessed, receive your approval and sign your loan offer directly on onTrack.
- Settlement: Congrats! Your loan has been approved, and settlement has occurred. Your funds are ready to purchase your property, and our team will assist you throughout the process.
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What we offer
At ISM Accountants, we understand that managing home loans can be a daunting task. That’s why we’re here to help you every step of the way. Here’s how we can assist you with our comprehensive home loan management services:
Home Loan Consultation
Planning to buy your next home, refinance, or access your home's equity? ISM Accountants Home Loan Team is here for you! Our complimentary member consultations provide personalized guidance to help you choose the right financing solution. As a member-owner, your needs are our priority, and we're dedicated to ensuring your financial success. Take advantage of this exclusive member benefit today, and let us guide you toward your homeownership goals with excitement and expertise!
Home Loan Pre-Approval
Make your property offer confidently with an ISM Accountant home loan pre-approval. With pre-approval, you can bid on a property up to a specified amount, knowing exactly how much you're eligible to borrow. Our quick and easy online pre-approval tool provides you with an answer without impacting your credit position. Plus, when you've found the property you want, we'll seamlessly assess your loan application. We are here to assist you every step of the way, ensuring a smooth and stress-free process.
Home Loan Application Assistance
Before diving into your home loan application, ensure you've got everything ready: a current email address and mobile number for safe online access, certified identity documents, proof of income like payslips, existing home loan details if applicable, and information on any debts you hold. Don't forget your transaction history or statements to track monthly living expenses. With these essentials, you're all set to start your application process. Need a hand? We're here to assist every step of the way. Let's turn your homeownership aspirations into reality together.
Home Loan Comparison (Fixed Vs. Variable Rates)
When considering home loan options, comparing fixed and variable interest rates is essential to determine which aligns best with your financial goals. Fixed rates offer stability with consistent repayments over a specified period, while variable rates fluctuate with market conditions. Each option has its pros and cons, such as potential savings with variable rates but the risk of increased repayments if rates rise. At ISM Accountants, we assist you in conducting a thorough home loan comparison, ensuring you choose the option that suits your needs and preferences.
Loans & Current Rates
Our tax consultants in Perth are keen to provide you services with the best possible results with a focus on dependability, honesty & integrity on a timely basis.
2 Year Fixed Interest Rate: 5.99% p.a.
Comparison Rate: 6.41% p.a.
Owner occupied, Principal & Interest
Variable Interest Rate: 6.01% p.a.
Comparison Rate: 6.14% p.a.
Owner occupied, Principal & Interest
Send Us Your Inquiry
Send us your inquiry and we’ll get back to you asap.
Why Choose ISM Accountants for Home Loan Management Services
Australia’s Most Flexible Home Loan Services Perth
Enjoy unparalleled flexibility tailored to your needs with ISM Accountants. Ensure your home loan seamlessly fits your lifestyle.
24/7 Support from Home Loan Specialist
24/7 support from our dedicated home loan specialists, ensuring assistance whenever needed.
Expertise and Experience in Home Loans
Benefit from our extensive home loan service specialist, having over 10 years of experience in navigating the complexities of home loans. We will ensure that you make informed decisions at every step.
Competitive Rates and Discounts
Enjoy competitive rates and exclusive discounts, maximizing savings and making your home loan journey more affordable.
Eligibility Criteria and Required Documents for Home Loans in Perth, Australia
- Personal Details: Provide your name, age (minimum 18 years old), address, and citizenship status. Age can be a factor, especially for mature borrowers.
- Property Information: Share property value, location (metropolitan or rural), type (house, unit, etc.), and property size.
- Financial Situation: Demonstrate financial stability through income (including gross annual salary and additional income), employment history, and savings habits.
- Employment: Lenders assess your employment duration, type (full-time, self-employed), and industry. Generally, at least six months in your current position is required.
- Assets and Liabilities: Detail your assets (other properties, vehicles) and liabilities (existing loans, credit cards). It is crucial to consider living expenses.
- Credit Score: Lenders evaluate your credit score to determine your borrowing responsibility. Higher scores increase approval chances.
- Loan Amount: Specify the desired loan amount and compare it to the property’s value. This affects the loan-to-value ratio (LVR) and potential need for lenders mortgage insurance (LMI).
FAQs on Home Loan Services
A home loan is money from a bank or lender to buy a house. You pay it back over time with interest.
To apply for a home loan, complete an application form with your personal and financial details. You may also need to provide documents like proof of income, bank statements, and identification.
Explore Our Taxation Serivces
An interest rate is the percentage of the loan amount you pay extra as the cost of borrowing the money. It can be fixed (the same rate for the whole loan period) or variable (the rate can change over time).
Government-supported loan choices like FHA, USDA, and VA loans are generally the most accessible mortgage options due to their potentially lower down payment and credit score prerequisites than traditional mortgages.
In Perth, most lenders ask for a deposit of 20% of the sales price. Some lenders might accept lower deposits, starting at 5%, but remember, these usually come with extra costs like lender mortgage insurance.
In a fixed-rate home loan, your interest rate remains constant for a set period, usually 1 to 10 years, ensuring stable repayments. After this term, it typically switches to a variable rate unless renewed. In contrast, a variable-rate loan can change at any time, influenced by factors like Reserve Bank decisions, affecting your repayments accordingly.
Our Location
Drop By at our location in Perth
Opening Hours:
Monday to Friday: 9AM to 5PM
Saturday & Sunday: Closed