eChoice Home Loans
Posted April 21st, 2010
and last modified January 31st, 2012
There are literally hundreds of loans available in Australia and it would be impossible for you to search them all yourself – it would take you almost an entire 30 year loan term to do it properly. That is why there are services such as eChoice which allow you to enter your details and your property needs into an online form for an instant match up to a home loan product.
This is a fast and easy way to search home loan products, but it is just a starting point, and not always the most accurate way to find the right loan product. Matching you to a loan using an online database is a great way to find out more about the loan types which are out there, but when it comes time to narrow down your options and find the one which will save you the most time and money, you need a personalised assessment and specialised loan consultant such as eChoice.
Home Loan Finder goes beyond the services of a broker or online comparison site, with services such as:
- Knowledge on first home buyer grants and concessions. Being a first home buyer is hard enough without having to worry that you’re missing out on the benefits you are entitled to. But don’t worry because while some government grants have been scaled back, the Home Loan Finder experts know all about what is still available and can tell you right away what you are entitled to and how to ensure your property purchase is eligible for the maximum benefit.
- Accurate stamp duty calculations for your state. Stamp duty is a significant cost when purchasing a home, so you want to know you are prepared. That is why Home Loan Finder will complete an accurate calculation for you when you call, so you know exactly what you are in for. Plus, because rates of tax and concessions differ between the states and territories, an expert calculation is essential.
- Identifying your property ownership goals. This is about more than choosing between the owner occupier products and the investor products. This is about knowing whether you are planning a family and a move down the track. Whether you want a property you can improve on, or you want to buy your ideal home now and put down as much deposit as possible. Your individual goals are important in determining which loan is right for you, and the Home Loan Finder experts will make sure they understand your needs and goals, to make sure your dreams become a reality.
- Understanding your budget and financial situation. What you want and what you can afford don’t always align in life, especially when you’re house hunting. However, when you speak to a Home Loan Finder consultant about your finances, they will be able to tell you exactly what is possible on your budget, and it could be more than you think. online calculators do not account for the fact that you’ve won a big contract as a small business owner and tend to lump all low doc needs together. Plus you may be able to free up more cash by saving on child care because you want a property closer to your parents who can babysit for you.
- Suggesting loans and products for you to choose from. At Home Loan Finder we’re not going to tell your which loan you should choose, the final decision is up to you. What we do is narrow down the choices to the loans which are relevant to your needs, and the ones you are eligible to apply for, explain all of the features and the fine print and then let you decide.
- Negotiating the lowest interest rate with your chosen lender – guaranteed. When you choose your perfect loan, we will negotiate with the lender on your behalf to secure you the lowest possible interest rate. We also guarantee to secure you an interest rate lower than any broker could get for you.
- Setting up a personal meeting with your lender. This is where we leave the process up to you because we’ve helped you choose the right loan, you know how to manage it and it is now time for you to get to know your banker. This is why we set up a face to face meeting, at your home if you like, for you to finalise the loan process on your terms.
For help in making the right choice in home loans choose the comprehensive services of eChoice.
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Top Home Loans
| Home Loan | Details | Interest Rate (p.a.) | Comp Rate^ (p.a.) | App Fee / Ongoing Fee | Max LVR | Min & Max Borrowing | |
|---|---|---|---|---|---|---|---|
 Loans.com.au - Dream Catcher | A home loan offer with a $0 application fee and one of the lowest available home loan interest rates. | 6.13% | 6.47% | $0 / $375 | 80% | $50,000 / $750,000 |
 
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 UBank UHomeLoan (Variable Rate) | One of the market leading variable interest rates. The maximum loan amount needs to be 80% of the property value. | 6.14% | 6.14% | $0 / $0 | 80% | $100,000 / $1,000,000 |
|
 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded the 2011 Non bank Lender of the Year this feature-packed loan rewards customers with a bonus rate drop of 0.20% after 5 years. | 6.22% | 6.45% | $0 / $345 | 95% | $150,000 / $2,500,000 |
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