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Home Loans FAQ

We understand that getting a home loan can be a stressful time, that's why we have put together this range of useful guides and tips to help you better understand the process from start to finish!


Mortgage Basics

  1. Home Loan Types: Which mortgage type is for me?
  2. No Deposit Loans: What they are and why you can't find one?
  3. Fixed vs. Variable: When should you fix your interest rates?
  4. Comparison Rates: How they're calculated and what to watch out for?
  5. Your Borrowing Power: How a lender determines what your borrowing power is.
  6. Loan Process: Step-by-step through the loan process.
  7. Valuations: All you need to know about property valuations.

Fees & Grants

  1. First Home Owner Grant: Are you eligible?
  2. New Home concessions: Are you eligible?
  3. Lender Fees: The types of fees different lenders may charge.
  4. Government Fees: Fees charged by the Government on your mortgage.
  5. Stamp Duty: A State Government tax on your mortgage.

Mortgage Nuts & Bolts

  1. Conveyancing: What to look for in a good conveyancer.
  2. Lenders Mortgage Insurance (LMI): What is it, and who does it protect?
  3. Funding: Where do lenders get their funds from?
  4. Property as Security: What happens if a lender goes out of business?
  5. Co-Owners / Guarantors: What to consider when buying with a friend or with family support.

Tips, Guides & Extras

  1. How to Save Tips: Tips and ways to save on your home loan.
  2. Real Estate Tips: Tips to buying your ideal property.
  3. Application Tips: Ways to help your lender process your application faster.
  4. Avoid Being Misled: A guide to potentially misleading aspects of financial sites.
  5. Mortgage Quiz: Test your knowledge.
  6. Interest Rate News: Receive home loan and interest rate alerts.
  7. Glossary: All the terms explained.
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how much can i borrow
MyRate Update
Friday 12th September 2014

Borrow up to 97%?

MyRate can offer a 97% LVR on purchases including capitalised LMI. Available at 5.17% variable and comparison rate.

Enquire now to find out more.

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