Home loans
Our Home Loan Offerings
- First Home Buyer Loans: Step into homeownership with confidence through tailored loans designed for first-time buyers, offering competitive rates and guidance through government grants and schemes.
- Home Loans: Finance your dream home with flexible loan options, whether you’re upgrading, downsizing, or building, with terms that suit your lifestyle and budget.
- Preapproval: Gain a preapproval to strengthen your offer when buying a home, providing clarity on your borrowing power with a no-obligation assessment.
- Refinancing Your Home Loan: Reduce your repayments or access equity by refinancing your existing home loan, with solutions that align with your current financial goals.
- Investment Loans: Grow your property portfolio with investment loans tailored to maximize returns, offering flexible structures for both new and seasoned investors.
- Cash Out from Your Home Loan: Unlock the equity in your home to fund renovations, investments, or other personal goals with tailored cash-out options designed to fit your financial plan.
Different Loan Features
- Offset Accounts: Link an offset account to your loan to reduce interest payments by using your savings to offset the loan balance.
- Redraw Facility: Access extra repayments you’ve made through a redraw facility, giving you flexibility for unexpected expenses or future investments.
- Fixed and Variable Rates: Choose between fixed-rate loans for payment certainty or variable-rate loans for flexibility, or split your loan to enjoy the benefits of both.
- Interest-Only Payments: Opt for interest-only repayments for a set period, ideal for investors looking to manage cash flow while maximizing tax benefits.
Example Scenarios
- First Home Buyer Success: A young couple in Melbourne secured a $500,000 loan with a 5% deposit, utilizing the First Home Owner Grant and a low-rate loan with an offset account.
- Preapproval Advantage: A buyer obtained preapproval for a $450,000 loan, enabling a successful offer on their dream home with confidence in their budget.
- Home Loan Upgrade: A family obtained a $700,000 loan to upsize to a larger home, choosing a split loan with fixed and variable rates to balance certainty and flexibility.
- Refinancing Savings: A homeowner refinanced their $400,000 loan, saving $200 monthly by switching to a lower rate and accessing $50,000 in equity for renovations.
- Investment Growth: An investor secured a $600,000 interest-only loan for a rental property, with a redraw facility to fund future property improvements.
- Cash Out Success: A homeowner unlocked $100,000 from their $800,000 loan equity to renovate their kitchen, with a tailored repayment plan to manage the additional borrowing.
Home Loan Health Check
Not sure if your current home loan is still the best fit? At Briganti Money, we offer a complimentary Home Loan Health Check to ensure you’re getting the most competitive rates and features. Our team will review your existing loan, compare it with today’s market options, and provide tailored recommendations to save you money or better align with your financial goals. Enquire today to see how we can optimize your home loan