Home Loans – Mortgages – Compare Home Loans

The Australian home loan market is very competitive, with local and international banks, building societies, credit unions and specialist lenders offer a large choice of home loan options, including: honeymoon rates, introductory rates, home loan options for low and no deposit holders, standard variable rates, fixed rates, redraw facilities, line of credit loans, and professional packages that offer discounts off the standard variable rates if you are borrowing more than a certain amount (usually $100,000).

Borrowing power and getting your home loan approved

A good mortgage broker can help you determine your borrowing power, and you can find information here on getting your loan approved, your credit profile, the home loan to settlement application process, and the costs involved in buying a house and getting a loan. Lenders do calculate your borrowing capacity differently, but you can get a good idea of your borrowing power from our mortgage calculators, or go to borrowing power help.

Standard variable home loans rates with major lenders

The majority of Australians with a mortgage have a standard variable interest rate. This rate is calculated by each individual lender based on a number of factors, including the Reserve Bank’s official interest rates and the cost of funds in the market place. As each lender has different funding costs, their standard variable interest rates may also differ, however particularly between the major banks, the difference may not be very great. Instead of focusing on interest rates, borrowers should pay more attention to the products, packages and features that will provide the best ongoing outcome, depending on their individual circumstances. (For individual lender comparison rates, you will need to either talk to a mortgage broker or check with the relevant lender). More than ever, we encourage you to think about money as a commodity and compare your home loan options.

What x inc finance brokers can do for you

Every day, across Australia, X Inc Finance brokers help families to find the home loan finance to buy their own homes, investors to expand their portfolios; and business people to develop smarter structures at better interest rates. X Inc Finance links home owners, investors and business people with the best finance products available from our panel of major banks and a broad range of other lenders. In conjunction with sister company Loan Market Home Finance Brokers, X Inc represent billions of dollars in lending to thousands of Australians – for home loans, business loans and commercial loans. Click here to find your local broker, or call us on 13 LOAN.

Service guarantee – iso quality accredited mortgage brokers

As one of the only national mortgage brokers with ISO 9000 Quality accreditation, X Inc offers you our service guarantee. ISO ensures we have the right customer service standards and processes in place to be certain that we are doing the right thing by every Customer. An independent ISO auditor ensures we are offering the highest quality advice, following X Inc ethical and knowledge standards, that all our mortgage broker compliances, paperwork and accreditations are in place and that a consistent standard of service is offered to all our Customers.

If you ever have any feedback on any member of the X Inc team, please send us a note or call us on 13 LOAN (+61 2 9249 3739 for overseas callers).

Home Loans – Mortgages – Compare Home Loans