Clare Valley Mortgage Brokers – South Australia
- Armagh (5453)
- Auburn (5451)
- Barinia (5453)
- Benbournie (5453)
- Blyth (5462)
- Boconnoc Park (5453)
- Clare (5453)
- Emu Flat (5453)
- Farrell Flat (5416)
- Gillentown (5453)
- Hill River (5453)
- Hoyleton (5453)
- Kybunga (5453)
- Leasingham (5452)
- Manoora (5414)
- Mintaro (5415)
- Penwortham (5453)
- Polish Hill River (5453)
- Porter Lagoon (5416)
- Sevenhill (5453)
- Spring Farm (5453)
- Spring Gully (5453)
- Stanley (5415)
- Stanley Flat (5453)
- Undalya (5451)
- Watervale (5452)
One of Australia’s oldest wine making regions is Clare Valley in South Australia. Clare Valley is located 120 kilometres north of Adelaide along Main North Road and was devastated by the bush fires of Ash Wednesday in 1983 when 6,100 hectares were burnt out causing $5 million worth of damage. One of the casualties of this fire was the loss of the railway line between the Clare showgrounds and Penwortham. The old line has since been rebuilt as a bicycle track known as the Riesling Trail linking the various towns of the valley for a distance of 27 kilometres.
Featured Clare Valley Mortgage Brokers
The vineyards of the Clare Valley are grown in a climate regarded as being continental. This means it experiences cool to cold nights and warm to hot days in the summer. The higher altitude, 400 to 500 metres, that lends itself to the cooler nights, even during the summer day time heat, sees the fruit ripen more evenly and slowly than the other wine growing regions in the state. Most of the rain falls during the winter and spring but the summers are dry meaning that irrigation is often needed although the summer dryness lessens the risk of fungal disease.
If you are intending to invest in the Clare Valley you are well advised to seek the services of mortgage brokers in order to research for you the most suitable home loan to suit your particular requirements. This is because mortgage brokers provide borrowers with the following advantages:
- Choice. Mortgage brokers will search through the extensive number of home loans on offer by the large number of lenders they have on their panel. They know what type of home loan they are looking for as they will have determined your needs and future plans from an earlier interview with you. The home loan they choose will be presented to you with a fully detailed discussion on why they chose this particular mortgage. This will save you much time compared to you sorting through what is available yourself.
- Convenience. Mortgage brokers will be willing to visit you at your home or workplace, even after office hours and at weekends if that suits you best. They will be willing to assist you in all ways to make the seeking out of a suitable home loan as convenient an experience as possible.
- Professionalism. Mortgage brokers are well trained professionals who earn their living arranging home loans for their clients. They are accredited to a large number of lenders both bank and non-bank from whom they choose the most suitable mortgage for any particular client. They have good close professional relationships with the various lenders and know exactly what each particular lender requires in the way of information that needs to be given in each application. All this ensures that you have a better chance of getting your home loan application approved if you use the services of mortgage brokers who know the industry like the back of their hands.
The engaging of mortgage brokers to find the right home loan to fit in with your particular needs is very important if you happen to have a less than perfect credit history. Many of the major lenders have tightened up on their lending requirements since the Global Financial Crisis (GFC) of 2008. However all hope is not lost as mortgage brokers will know which lenders are most likely to give you a go.
Many are smaller lenders that you yourself are not likely to be aware of. If you choose to plough through the high number of home loans on the market today alone only to keep having your application declined, you may be doing yourself a lot of damage credit wise, as on each occasion your application is rejected this fact is recorded on your credit history. If a lender sees where other lenders have been rejecting your previous attempts to obtain a home loan they will reject it also without even considering it. When this occurs you will have to wait five years before applying again.
Mortgage brokers will take the following details into account when choosing the right home loan for you:
- The current interest rate?
- Whether the present economic climate lends itself to you having a fixed interest rate loan or one of variable interest, or a bit of both in a split interest rate home loan?
- How long a term you should choose for your home loan to be of fixed interest, if that was the type of home loan your were advised to sign up to?
- Should the home loan be able to accept additional repayments for when you have the money available?
Mortgage brokers will not charge you for the service they provide. If your application for a mortgage was accepted by a particular lender that lender will pay a commission to the mortgage broker who presented it to them. Good mortgage brokers regard this as sufficient and do not charge any costs over and above the commissions they receive.
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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. | 5.85% | 6.21% | $0 / $375 | 80% | $50,000 / $750,000 |
 
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 Bankwest Online Home Loan | A low interest rate home loan with a $0 application fee and ongoing maintenance fees. This offer is exclusively available by applying online. | 5.97% | 5.97% | $0 / $0 | 80% | $100,000 / $1,000,000 |
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 Illawarra Home Loans Bank Beater Home Loan | A low variable rate, beaten down even further by 0.05% p.a. after 5 years. | 6.07% | 6.35% | $0 / $345 | 90% | $250,000 / $1,000,000 |
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 State Custodians Mortgage Company Standard Variable Offset Loan | Awarded Mortgage of the Year 2012 – this multi-award winner features 100% offset and a loyalty 0.25% rate drop after 5 years. | 6.02% | 6.23% | $0 / $345 | 95% | $150,000 / $1,000,000 |
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