Home Loans
At Baseline Finance, we understand that securing a new home loan can be a thrilling yet daunting process. That’s why we’re committed to guiding you every step of the way with our experienced team who are as invested in your dreams as you are.
Whether you’re a first-time buyer or looking to invest, we’re here to make the process as smooth and straightforward as possible.
Simplifying the Process |
Navigating your new home loan involves several key steps, each designed to ensure you find the perfect option tailored to your needs.
Here’s how we help:
Provide Requested Information
Start by submitting your financial details. This helps us understand your current situation.
Discuss Preferences and Loan Types
From the type of home, to the features of your loan, your preferences are crucial.
Discuss Options
We'll walk you through the pros and cons of each option, helping you make an informed decision.
Get Credit Approval
We'll work with the lender to ensure your application is processed smoothly.
Prepare for Settlement
We coordinate with all parties to prepare for the settlement.
Establish Your Goals
Whether it's buying your first home or refinancing, we'll help set clear, achievable objectives.
Research Options
We explore the best loans from our network of trusted lenders, tailored to your needs.
Lodge Your Application
We'll handle the paperwork and submit your loan application to your chosen lender.
Sign Loan Contracts
Once approved, we'll help you understand and sign your loan contracts.
Happy Dance Time
Once everything is settled, it’s time to celebrate your new home purchase in style!
What are the different Home Loan Types |
Fixed versus Variable Rates
Fixed-Rate Loans lock in your interest rate, giving you predictable repayments and protection against rate increases.
Variable-Rate Loans offer flexibility and can be lower than fixed rates, but they can also increase.
Interest-Only versus Principal and Interest
Interest-Only Loans lower your monthly payments by charging interest only, but don't reduce the principal amount.
Principal and Interest Loans include both the interest and part of the principal in each payment, helping you build equity.
Offset Accounts and Redraw Facilities
An Offset Account is a savings or transaction account linked to your loan. Your account balance is offset daily against your loan balance, reducing the interest you pay.
A Redraw Facility allows you to make extra payments on your loan that you can withdraw if needed.
Your Trusted Partner
Choosing Baseline means choosing a partner who values your peace of mind and financial success as much as you do.
