Home Loans

Home Loans in Australia from X Inc Mortgage Brokers

getting you the right home loan - x inc mortgage brokers

The Australian home loan market is very competitive with local and international banks, building societies, credit unions and all manner of specialist lenders offer a seemingly endless choice of home loan options, including honeymoon rates, introductory rates, no deposit and 100% home loans, standard variable rates, fixed rates, redraw facilities, line of credit loans, professional packages with great rates if you are borrowing more than $300,000 and so on.

borrowing power and getting your home loan approved

A good mortgage broker can help you with this and you can find information here on getting your loan approved, your credit profiles and how it works, home loan to settlement application processes and the costs involved in buying a house and getting a loan. Lenders do calculate your borrowing capacity differently and 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

Most banks and lenders announced significant variable and fixed interest rate cuts in 2008. For borrowers, the real points remain that there is instability in the global finance markets, but Australian banks are sound. In the main, borrowers are best to stick to a variable rate loan for the moment and in most cases, if rate is the focus, then lender you are with. The differences between the lender's variable rates are nominal at best. Borrowers should pay more attention to the products, packages, basic loans etc that will provide the best ongoing outcome, depending on 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.

finance news

*Rate changes effective across various dates over the June Quarter. Contact your Lender or your X Inc Mortgage Broker for details.

Home sales slump makes small rate rise likely

October 29th, 2009
A drop in the number of new home sales in September may cause the RBA to hold off on a 0.50 per cent interest rate rise, and favour a smaller quarter-percentage point rise.

Click here to find out why home sales slump makes small rate rise likely

Big four raise fixed mortgage rates

October 27th, 2009
The big four banks have raised fixed mortgage rates on the back of increased funding costs.

Click here for more on big four raise fixed mortgage rates

Variable rate mortgages cheaper than fixed rates

October 20th, 2009
While there has been a rush of interest from homeowners trying to fix their mortgage rates in the wake of October’s official interest rate rise, one mortgage broker says the numbers just don’t add up.

Click here to find out why variable rate mortgages cheaper than fixed rates

what x inc finance brokers can do for you

Every day, across Australia, X Inc Finance brokers help families with the home loan finance to buy their own homes, investors expand their portfolios; and business people develop smarter structures at better interest rates. X Inc Finance aspires to be the premier mortgage brokerage of choice for all Australians. We link 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.With a team of more than 500 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 XINC.

Attention First Home Buyers: Has the reduction in the FHB grant impacted your intention to buy in 2010?

Have your say ... click here to fill out our survey

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 XINC (+61 2 9249 3739 for overseas callers).