Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 66 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 66 Reviews
Buying a home or investing for the first time is an exciting step. At New Level Lending, we are committed to helping first home buyers and first-time investors access the right Home Loan options from banks and lenders across Australia. Our experienced team understands the intricacies of applying for a home loan, from understanding interest rates to navigating the application process. We are here to ensure that you make informed decisions that align with your financial situation.
When considering Home Loan options, the interest rate is a crucial factor. Whether you are interested in a fixed interest rate home loan or prefer variable home loan rates, understanding how these rates affect your repayments is essential. A fixed interest rate provides stability, ensuring your repayments remain the same over a set period. In contrast, a variable interest rate can fluctuate with market conditions, potentially offering lower rates but with less predictability. With New Level Lending, you will receive guidance on which option suits your needs and how to benefit from potential interest rate discounts.
Another important aspect is understanding lenders mortgage insurance (LMI) and how it impacts your loan amount. LMI is typically required if your loan to value ratio (LVR) is above 80 percent. This insurance protects the lender if you default on your loan but can also add to your overall costs. Balancing your LVR and considering your borrowing capacity will help you make the most of your investment. We can assist in calculating home loan repayments and explore the potential of using home equity or an offset account to reduce interest costs.
Your credit history plays a significant role in the Home Loan application process. A strong credit history can improve your chances of securing favourable Home Loan Rates and enhance your borrowing capacity. To apply for a home loan, you may need to provide documents such as bank statements and proof of income to demonstrate your ability to manage repayments. At New Level Lending, we offer a streamlined application process to help you get pre-approved and confidently enter the property market.
Understanding associated costs such as stamp duty is also vital when buying a home. Stamp duty varies between states and territories in Australia and can significantly impact the total cost of purchasing property. Our team will help you factor in these expenses and guide you through every step of the application process. Ensuring that you are well-prepared allows you to focus on finding the perfect property without unexpected financial surprises.
As you embark on the journey of buying a home or making your first investment, New Level Lending is here to support you every step of the way. With access to a wide range of Home Loan options, our expertise ensures that you find a solution tailored to your needs. Whether you are interested in a fixed or variable interest rate, we provide clarity and confidence in your decisions. Contact us today to begin the process and take advantage of our comprehensive services designed to simplify your path to property ownership.
We handle the entire process, ensuring you save time and money. Our main goal is to help you secure the most suitable finance solution with minimal disruption to your schedule.
Initial Consultation
We discuss your financial requirements to determine how we can assist you best.
Needs Assessment
We identify your current needs, goals, and key priorities. We'll also discuss your future plans to ensure our advice aligns with your overall vision.
Research
We conduct in-depth research to find the most suitable finance solution from our extensive panel of lending institutions, tailored to your specific requirements.
Recommendation
We compile our findings and create a detailed Lending Recommendation designed to meet your needs. We'll review this with you, allowing us to refine the proposed solution.
Implementation
We execute the agreed recommendation, managing every detail of the loan application process. We'll keep you fully informed of your application's progress right up to settlement.
Settlement
We coordinate with all relevant parties to ensure a smooth and seamless settlement process. You'll be confident that every aspect of your loan application is handled with care and precision, with continuous updates throughout.
Post-Settlement Care
We understand that securing finance is just one step toward financial freedom. Our After Care program keeps you informed about market changes that may affect your borrowing costs or future lending plans. You can rely on us for regular mortgage advice and guidance at every stage of your financial journey.
Book AppointmentAK
Ang Kelly
Jake at New Level Lending is fabulous to work with. He’s always accessible, always keeps you updated on the progress of your loan and understands each individuals needs and requirements. I would 100% recommend Jake.
RP
Russell Pegg
We have recently engaged with Jake to help assist us with the purchase of our first home in Australia as the process seemed a bit daunting. Jake explained our options in plain English and was super supportive throughout the process. He was highly responsive and made the process simple so that we could enjoy looking for our new home.
LP
Layne Parker
As a first home buyer, I couldn’t have asked for a better broker than Jake! He made the whole process so quick and stress free, helping me find a house and guiding me through every step. Jake was always available and incredibly patient with every question I had making the process as a first home buyer so much less stressful. Definitely recommend Jake !
Yes we can and we've helped many clients in this scenario! Reviewing your home loan doesn't always mean switching to another lender. Sometimes it's a matter of us liaising with your bank and agreeing on a more competitive solution. We will; analyse your current loan structure, understanding what's available and liaising with your current lender.
As a homeowner, you know all about working hard. Now it's time to make your home work hard for you. We can help you leverage your existing equity by; maximising borrowing power and cash flow, preparing an application to the lender and ensuring your loans are structured well.
Yes! As moving into your first home is exciting, we guide you through the process and help you; access government grants including the First Home Owners Grant (FHOG), the home guarantee scheme, getting in with a lower deposit and avoiding lenders mortgage insurance.
Of course! If you've outgrown your home and are keen to move to something that better suits your lifestyle, we can help by; leveraging equity and repayment history, preparing the loan application (whether it's a home loan or construction loan) or structuring the loan to suit your needs.
As a mortgage broker, we have insight into the banks' closely-guarded lending policies, we can help you apply for an appropriate lender. We will; analyse your financials, understand your goals and help you determine the best match.
If your bank won't play nice, we can help facilitate the move to another lender. We do this by; assessing your situation and goals, scouring the market for suitable offers and preparing all the paperwork.
New Level Lending ABN: 96 661 507 384, New Level Lending Pty Ltd ABN: 96 661 507 384. Credit Representative #543337 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Site by Broker Studio
