We understand that taking on a mortgage is a very serious commitment, therefore our commitment to you is to find the ideal loan to suit your financial situation. We will help you determine your precise needs and provide a range of the best loan options to meet them. As Australian Lending Tree is accredited with over 30 lenders we have over 250 products to choose from.

The present competitive market for the house buyer can be overwhelming. We specialise in presenting, explaining and tailoring the best product to suit each individual borrower from the more then 30 lenders and over 250 products, which we have to choose from. See below for types of products we offer, and to learn more about the available products.

If you are thinking of buying, the first thing you need to know is how much you can borrow. Why not check out our calculator? Our Consultants can arrange pre-approved loans so that you can confidently make an offer or bid at auction on the home of your dreams. Of course our Consultants can also arrange finance approval at any time during your property negotiation.

We Tailor Home Loans To Suit Your Needs !

Our Consultants will give you an independent, unbiased assessment. Once our Consultants have determined your requirements, they will present you with a number of loan options, highlighting the benefits of each, thereby allowing you to make a well informed decision and select your best alternative.

Australian Lending Tree will follow the progress of your Loan through from the application all the way through to Settlement. Our Consultants will ensure that your loan application is processed in a timely and efficient manner. Once your loan is approved we will liaise with all parties including the lenders and solicitors to ensure a smooth path to settlement.

If you already have a loan and are concerned about the interest rate and fees you are paying, Australian Lending Tree may be able to restructure your loan so that you can benefit from the current low interest rates and excellent packages available. See our consolidation section for more information.

The Types Of Home Loan Products We Offer

Standard Variable	Benefits	Considerations
This is the most common type of Loan in Australia. It's a basic home loan with low interest rates and is suited to the first home buyer or someone requiring flexible terms. As the name suggests, the interest rate may vary either up or down over the period of the loan. Standard Variable tends to be the most flexible type of home loan with extras such as redraw facility offset and the ability to make additional repayments and Lump Sum Reductions.	If interest rates fall so should your repayments. Probably the most flexible of all home loans allowing you to redraw funds, make additional repayments and offset credit balances against your loan balance. These extras may reduce the amount of interest you have to pay meaning you may be able to repay your loan faster.	If interest rates rise so will your loan repayments. Make sure you require the added benefits as lower interest rates are available if you don't need them.Try our calculator to see what difference it may make to you.
Basic Variable	Benefits	Considerations
This is a no frills version of the Standard Variable Rate Loan. Basically the extras offered under the Standard Variable Rate Loan are removed thereby allowing the lender to reduce the interest rate charged. The fewer features the cheaper the rate! It is ideally suited to customers who do not have any surplus cash flow.	If you are not going to use the features of the Standard Variable, why pay for them?	If interest rates rise so will your loan repayments.
Introductory (Honeymoon)	Benefits	Considerations
These are commonly promoted by lenders to attract interest rate sensitive customers. They generally offer a guaranteed low interest rate for a set period of time after which the interest rate will revert to the Standard Variable Rate.	As the interest rate is lower for the introductory period, so are your initial repayments.	Your repayments will most likely increase once the introductory period is over. You need to assess your overall position as introductory loans can often end up more expensive in the long run than other products.
Fixed Rate	Benefits	Considerations
As the name implies you fix in a rate on your loan which cannot change for the agreed term, usually from 1 to 10 years. These loans are ideal for customers who want the security of knowing that their loan repayments will not increase during the term they have chosen. They are especially popular with investors seeking to fix in the cost of their investment. Fixed rate loan repayments can either be Principal and Interest, or Interest Only. Interest Only loans tend to be used by investors where the ability to calculate future interest can assist with taxation planning.	Allows you to fix in the cost of maintaining your loan. In other words you know the cost of your repayments for the life of the loan. If the variable interest rate increases you can smile because yours won't!	Fixed loans tend not to be as flexible as variable rate loans. For instance you may not be able to make additional payments, redraw or offset credit balances. If the variable interest rate falls yours won't. You may be up for early repayment penalties if you wish to repay, refinance or switch to a variable rate before maturity. Idea: If you are concerned about this why not consider a split loan facility where you maintain a portion on variable and fix in the rest.
Split Loans	Benefits	Considerations
These loans work by enabling you to split the loan two ways; i.e. a portion is locked into a fixed rate for a fixed term and the balance is charged at the variable rate. It is an excellent way of reducing the effects of interest rate movements; if the variable rate falls, you benefit from the fall on your variable rate portion; if they increase, you benefit from your Fixed Rate portion which will not increase.	Creates a sense of interest rate stability. The variable portion can give you flexibility such as redraw, offset and the ability to make extra repayments.	If interest rates rise your variable rate and therefore your payments will still increase. If interest rates fall you will still be paying interest on your fixed rate loan at the original rate.
Line Of Credit	Benefits	Considerations
An ongoing source of low cost finance that is secured against the equity that you have in your home. It is similar to an overdraft facility in that funds can be withdrawn up to a certain limit with no principal repayment deadlines. Lines of credit are generally used for investment purposes; i.e. as equity for an additional property investment or for investment in shares or managed funds.	You can use the funds as and when they are required and only pay interest on the outstanding balance.	You need to be budget conscious to operate this type of loan. If you are unable to budget or have a tendency to spend any money available then this may not be the loan you. These loans offer flexibility but interest rates are usually higher.
All-in-One and Offset Loans	Benefits	Considerations
These allow you to repay extra amounts off your loan and "redraw" them when you really need them. If you make additional repayments above the minimum required, your loan balance will fall and so will your interest payments. The loan operates like a normal cheque account with salaries etc being credited to the account and funds withdrawn via cheque book, ATM or Eftpos as per usual. Some lenders do not have All-in-One accounts but instead operate Offset Accounts, which are a stand-alone credit account that acts as your day-to-day transaction account. The outstanding balance on the account is "offset" against your mortgage and you only pay interest on the net amount. Most Offset accounts provide a 100% offset but you should confirm this before entering into any deal.	Best value for money as credit balances (or deposits) will reduce the balance on which you pay interest. Whist repayments won't decrease you will be paying your loan off sooner. Operates like a normal bank transaction account.	Interest rates may be slightly higher due to the offset feature. Ensure the offset will be of greater benefit to you than the higher interest cost. Check the terms under which the Offset works - i.e. do you have to keep a minimum balance in the account.

First Home Owner Grant

If you are an Australian resident and you have never owned a home or an investment property, you should qualify. If you are buying a property with a partner the same rules apply, meaning neither of you can get the grant if either of you have owned a property before.

For more information, visit the First Home Owner Grant web site at www.firsthome.gov.au

Do You Already Have A Home Loan?

Your home is usually the biggest single investment you are ever likely to make so it makes sense to regularly re-assess you loan options. Over the last few years many different types of loans have entered the market and because of this you now may not have the best loan to help you pay your loan off quickly and painlessly.

For a limited time Australian Lending Tree is offering new clients a completely free Home Loan Check Up. All you have to do is give us a call or an email and we will arrange a suitable time to give your current finance an obligation free check up, and show you options available which may end up saving you thousands of dollars, and many years, on your existing mortgage.

Contact us and we'll make sure you have a home loan that helps you and not your bank.

Investment Loans

We have available both 'Interest Only' and 'Principal and Interest' loans to assist in the purchase of investment properties, and we can arrange loans up to 90%, and at attractive rates.

Please contact us for help with any of these products and determining which is the best alternative for your particular circumstances. More information about investment loans can also be found in our Property Investment section.