Ratewise Finance offers expert guidance to help you find the perfect home loan for this significant and exciting purchase in your life. We aim to make this journey smoother and stress-free by providing tailored advice and access to the most reputable lenders in Australia.
Our key benefits include understanding your unique needs and goals, accessing competitive interest rates from top lenders, and offering comprehensive support through every step of the process. When understanding home loans, we help you explore variable and fixed interest rates to find the best fit, leverage first homeowner grants and LMI waivers to save money, and determine how much you can afford to borrow.
Key considerations include understanding potential stamp duty exemptions and concessions, avoiding excessive borrowing to reduce long-term financial strain through Loan to Value Ratio (LVR) assessments, and navigating investment loan options if you’re considering property investment. Additionally, we explain how offset accounts can help you save on interest.
Partner with Ratewise Finance to find the ideal home loan and start your property journey for your family.
Achieve Your Dream Home with Our Home Loans with our home loans designed to make your journey as smooth as possible. Whether you’re a first-time buyer or looking to upgrade, we offer competitive rates, flexible options, and expert advice to help you secure the perfect loan. With our personalised service, you can rest easy knowing that we’ll find the right solution tailored to your needs and budget.
Your first step on the path to homeownership starts with a conversation. Our experienced mortgage brokers will take the time to understand your unique financial situation and goals. We'll discuss your preferences, such as the type of property you're interested in, your desired location, and your budget.
To determine your eligibility for a home loan, we'll gather essential information about your financial situation. This includes income, expenses, assets, credit history, etc. This information will help us determine your borrowing capacity and identify any potential challenges that may need to be addressed.
When we have a clear understanding of your financial situation, we'll apply for pre-approval on your behalf. This process involves a lender assessing your creditworthiness and determining the maximum loan amount you can qualify for. Pre-approval gives you a significant advantage in the competitive housing market, as sellers are more likely to accept offers from pre-approved buyers.
Once you’ve found the perfect home and your offer has been accepted, it’s time to move towards settlement. This is where the final legal and financial arrangements are made. We’ll coordinate with your lender, solicitor, and the seller’s representatives to ensure everything goes smoothly. On settlement day, your loan will be activated, and the purchase will be completed.
Homeownership simplified – Your future, funded.
Ratewise Finance Pty Ltd ABN: 61 679 228 445 trading as Ratewise Finance (Credit Representative no. 561537) is a credit representative of Rymark Industries Pty Ltd ACN: 005 819 607 (Australian Credit Licence Number 495267).
The information provided on this website is for general informational purposes only and does not constitute financial advice. Individual circumstances may vary, and it is recommended that you seek personalised advice from a qualified financial advisor before making any financial decisions. Subject to lenders’ terms and conditions, fees, and eligibility criteria may apply.