Our recommended products
ACLOAN have access to a range of home loan products from Australia's leading Bank & Non-Bank lenders.
Our unique bank finance & specialised rates allow us to provide competitive interest rates. We also
like to make getting approved easy for all our clients.
Basic Variable Home Loan
Low-interest rate (lower than standard variable rate)
Rate is variable
Limited features
No off-set facility
Chargeable manual redraws
Extra payments allowed
Loan terms: 25 or 30 years
These fees not applicable to all customer.
Professional Package (Discounted Standard Variable)
Permanent discount on standard variable rate
Rate is variable
Full features:
Off-set facility
Credit card and chequebook
Extra payments and redraws allowed
Loan terms: 25 or 30 years
Fees: These fees not applicable for all customer.
Low Doc Loan
Suitable for self-employed customers which tax returns and financials
‘May be suitable for self-employed clients where full financial information for the past 2 years is not held or there is a change of financial circumstances. We will review your individual financial circumstances to complete our assessment’
Applicants may borrower up to 60% Loan to Value Rate without Lenders
Mortgage Insurance.
Some of the lenders offer Low Doc products up to 80% LVR for eligible customers with Lenders Mortgage Insurance.
Introductory/Honeymoon Rate Home Loan
Low-interest rate is usually offered for the first 1 - 3 years of the loan. The rate may be fixed, variable or capped
Once the honeymoon period is finished the interest rate usually reverts to the discounted standard variable rate
The initial low rate offers a chance for you to reduce the principal quickly by making extra repayments
Package features available
Fixed Rate Home Loan
Interest rate and repayments are locked for up to 10 years
Once the fixed rate period is finished the rate will usually revert to certain scheduled variable rate unless you decide to roll over to another fixed term
Limited extra payment allowed
Possible high break cost for early exit
Line of Credit
A combination of transaction account and loan account
Allows you to directly credit your salary to the account
You can draw down on the loan at any time up to the prearranged credit limit via ATM's, EFTPOS, credit card or chequebook as you need it
A higher interest rate is usually paid
Good for investment purposes
For further information, please contact us and see how we
Can help Refer you.