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Home Loans

You've got the vision. We've got the funds.

Whether you’re purchasing your own home; investment property or refinancing your current home loan, there are many loan products and structures to choose from. We do all the legwork for you and research our panel of lenders to meet your needs at a price that suits you.

Your First Home

Your Next Home

Your Investment Property

Refinance Your Loan

Renovate Your Home

Build Your New Property

Self-Managed Super Loan

Exploring your home loan options:

Standard Variable Loan

The interest rate varies during the term of the loan in line with the official cash rate set by the Reserve Bank of Australia. It is the most common type of home loan and provides flexibility and features such as an offset account; redraw facility and no limits on additional repayments.

Fixed Rate Loan

The interest rate is locked for a period of 1 to 5 years. This provides you with the peace of mind knowing that your repayments won’t change which allows you to budget easily. If interest rates rise, you are not affected. However, you cannot take advantage of rate decreases and are usually only able to repay a small additional amount each year.

Interest Only Loan

This allows you to repay the interest portion of your loan only for a term of between 1 to 5 years. You are not required to make principle repayments during this time. This is a popular choice if you are a property investor or if you’d like to keep your repayments low.

Line of Credit

Provides you with access to the equity in your home or investment property up to a pre-approved limit. The funds are available to use as cash which can be transferred to different accounts or withdrawn. The interest rate is usually variable.

Low Doc Loan

Suited to self-employed borrowers or investors if you don’t have the standard documents to apply for a loan. An income declaration, bank statements and business activity statements are usually enough to assess your application.

Bridging Loan

Assists you with the purchase of a new property when the sale of your existing property hasn’t occurred yet. It is an interest only payment home loan with a limited loan term.

Guarantor Loan

This assists you when you are looking at borrowing more than 80% of the purchase price but don’t want to pay for lenders mortgage insurance. Your parents or other family members can be your guarantor and use the equity in their property to provide security for a portion of your loan. This facility means that they do not give you any money towards your deposit, but it allows you to get into the property market sooner.

Non-Conforming Loan

Assists if your credit history isn’t good or you have been unemployed for some time and if you want to borrow more that 80% of the property’s value. These loans normally attract higher interest rates and fees.

Self-Managed Super Loan

Assists you in investing in property via your Self-Managed Super. You can used borrowed monies to purchase a residential property. You must seek independent financial and legal advice before committing to a SMSF investment. These loans are not available for owner occupied use.

Offset Account

A transaction or savings account linked to your home loan or investment loan. The balance in the account is “offset” against your home loan balance and you are only charged interest on the difference between the two.

Redraw Facility

If you make extra home loan repayments on top of your regular monthly repayments, this facility allows you to withdraw the extra funds at any time. Your home loan must have the redraw facility to enable you to do this.

Standard Variable Loan

Fixed Rate Loan

Interest Only Loan

Line Of Credit

Low Doc Loan

Bridging Loan

Guarantor Loan

Non-Conforming Loan

Self-Managed Super Loan

Offset Account

Redraw Facility

Money for life's biggest moments

Home is where the heart is. It’s where love resides, and memories are created. At FutureNow Finance, we aim to help you achieve your life’s biggest moment – making your dream home come true.