Mortgage Programs: HomeMate

Mortgage Programs.

 As securitised home loan finance providers, HomeMate can tailor a home loan program to suit you. This includes the elements from Australia's Best Home Loan!

Because we lend direct to the public and because we offer flexible mortgage solutions at competitive rates with no ongoing fees and charges HomeMate could save you a lot of time, hassles and money in get your loan approved and settled.

 We specialise in home loan mortgage refinancing, debt consolidations and lo doc loans for the self employed contractors and small business operators who can't verify their income.

Mortgage Loan program menu:

• Standard mortgage

• debt consolidation

• Non genuine savings

• Interest only loan

• Fixed interest loan

• Equity home loan

• Lo doc loan

• No doc loan

• Nonconforming loan

• bad credit

• Construction loan

• Land loan

• Investor loan

• Non-resident investment loan

• New Zealander investment loan

We accept more applicant types than most lenders. To view acceptable applicants click here now.

Standard Loan

The HomeMate standard home loan is for home buyers, and refinancing one loan debt only.

• Residential properties in Australian cities and major regional areas.
• Rural residential property acceptable, subject to Mortgage Insurer area list.
• Properties up to 10 hectares, or 25 acres acceptable.
• Units over 50 square meters acceptable.
• High density & inner city apartments. [max 80%LVR]
• Loans up to 95% loan to value ratio.

Loan Consolidation [Prime loan]

Our loan consolidation home loan allows home owners to refinance and consolidate their high interest car loans, personal loans and credit card debt with their existing home loan.

• Acceptable security details as per the standard loan.
• Loans up to 90% loan to value ratio.

Non genuine savings loan [Prime and Standard loan]

The non genuine savings home loan is for people without the sufficient savings record to qualify for a loan, but can acquire 10% deposit, net of costs, to put to the home.

Sources of non genuine savings can be:

• Grants.
• Gifts.
• Borrowings from relatives and
• Personal loans.

Securities accepted as per the standard loan.

Interest only loan [Standard and Prime loans]

Interest only loans can help reduce the repayments, especially in the early repayment period.

• for 5 years for the standard loan. [up to 95% LVR]
• for 10 years for our premium [consolidation] loan. [up to 90% LVR]

Acceptable security details as per the standard loan.

Fixed Interest Loan

The interest rate of any HomeMate loan program can be fixed for any annual period up to 5 years.

Acceptable security details as per the standard loan.

Home Equity Loan [Line of credit]

Home equity loans using our line of credit facility.

Acceptable security details as per the standard loan.

Lo Doc Loan [No income verification required]

Acceptable security details as per the standard loan.

No Doc Loan [No income verification required]

Our no doc loan program is for people that cannot verify income. See acceptable applicants.

• No business or ABN period specified. [can be start up]
• LVR to a max of 65% LVR.

Acceptable security details as per the standard loan.

Nonconforming loan [minor to mild credit impairment or others outside traditional banks guidelines]

• Income verified and lo doc.
• LVR varies case by case.
• LVR and credit impairment affects interest rate.

Acceptable security details as per the standard loan.

Bad Credit Loan [from serious credit impairment to discharge bankrupts]

• Income verified and lo doc in some cases.
• LVR varies case by case. Credit impairment can affect LVR accepted.
• LVR and credit impairment affects interest rate. [The lower the LVR the lower the interest will be.

Acceptable security details as per the standard loan.

Construction Loan [residential

• Home construction contracts.
• House and land contracts.
• LVR Max 90%

Land Loan [residential]

• Acceptable security , land must be zoned residential.
• LVR max. 90%

Investor Loan

• Acceptable security details as per the standard loan.
• LVR max. 90%

Non Resident loan

• Maximum loan LVR is 75%
• Only for finance and refinance of residential dwellings
• [no construction loans]

Acceptable security details as per the standard loan.

New Zealander loan

Acceptable security details as per the standard loan.

New Zealand investors can use the equity in their NZ property to supply the deposit of the Australian investment.

To apply for a loan online click here now and select the loan program suits you best.

Links to Home Loan Applications

Mr Mortgage is now taking loan applications on behalf of Loan Mate. Please apply below

• Home Loan Application. For your home mortgage loan, mortgage refinance and home equity loan please apply here now.

Links to Home Loans for specialty purposes

No Deposit Home Loans

• 100 Mortgage Home Loans don't need for you to have saved a deposit or down payment. With low mortgage interest rates and the first home buyers grant and the other savings offered by your State Government, that could mean moving in to your home sooner. Apply here now for a 100 percent home loan.

Home Loan Refinance

• Mortgage Home loan refinance can make repayments easier by reducing monthly repayments. Apply here now for home loan refinance.

• 95 Mortgage Refinance, allows you to refinance, pay other bills out and get one low mortgage rate. Consolidate multiple loans and credit cards at 95% LVR with your home loan here now.

Low Doc Loans

• 80 Low doc home loans allow you to apply for a home loan with no income verification at low mortgage rates. Apply for an 80 percent lo doc home loan here now.

• 90 Low doc Home loan allows self employed and contractors to buy a home without the usual income verification dramas. Apply here now for a 90 percent low doc home loan.

• 95 Low doc home loan allow self employed to buy a home with the usual income tests and business period test. Apply here for a 95 percent low doc home loan now.

No Doc Home Loan

• A No Doc Home Loan means no statutory declaration of income, no financials to prove income, as long as you have 20% saved deposit or more 20% equity if refinancing. Apply here now for a no financials home loan.

Bad Credit Home Loans

• Bad credit Home loans allow people buy a home or refinance existing home finance with poor credit histories, depending on income, reason for the credit issues and deposit or equity in the property. For a bad credit home loan apply here now.

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