Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
When it comes to buying a home or upgrading to a new property in Australia, the Home Finance & Mortgage Brokers at Blue Lion Lending are here to simplify the process. Whether you're taking your first steps onto the property ladder or aiming to move into your next dream home, understanding your Home Loan options is crucial. Our experts can help you navigate the complexities of the property market in the suburb and beyond, guiding you through the myriad of choices that can affect your financial situation.
At Blue Lion Lending, our experienced brokers are committed to helping you access Home Loan options from banks and lenders across Australia. This starts with understanding your borrowing capacity, which is influenced by factors such as your income, credit history, and the loan amount you wish to secure. By assessing these details, we guide you through the recommended loan products that best match your needs. Our role is to demystify the application process, ensuring you know what's required when it comes to bank statements, loan-to-value ratio (LVR), and how these impact your ability to successfully apply for a home loan.
One crucial aspect of applying for a home loan is understanding Home Loan Rates, which can include both fixed interest rate home loans and variable home loan rates. The choice between a fixed interest rate, which offers stability, and a variable interest rate, which may fluctuate, often depends on your personal circumstances and financial preferences. We explain the implications of each type, including how they affect your monthly repayments and overall interest burden. We also explore options such as interest rate discounts and offset accounts, which can be beneficial in managing your home's finances. Ultimately, these decisions can determine the best path for your home equity and financial growth within the suburb.
Navigating the property market can be daunting, especially when considering additional expenses such as stamp duty and lenders mortgage insurance (LMI). At Blue Lion Lending, we aim to reduce the stress associated with these costs. Our streamlined application process ensures you’re well-prepared for these expenses. We assist in the crucial step of getting pre-approved for your home loan, offering you greater bargaining power when buying a home. Through our comprehensive service, clients in the suburb can focus on selecting their ideal property while we handle the intricacies of the Home Loan application.
As you embark on your journey to either buy your first home or upgrade in the suburb, Blue Lion Lending is here to support you every step of the way. With a focus on clarity, our home finance experts provide personalised advice tailored to your unique financial situation. We invite you to contact us today to discuss your home finance goals and take advantage of our expert guidance through the Home Loan process. Apply for a home loan with Blue Lion Lending, and let us help make your home ownership dreams in the suburb a reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
When looking at different Home Loan Options, it's important to understand some of the key loan attributes:
Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.
We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.
First meeting
We discuss your goals and financial position and start to collect information
Lender proposal
We review eligible lenders and negotiate you the best possible deal
Application
After choosing a lender, we prepare and submit your application to the bank
Approval
Once approved, we order a valuation and ask the bank to issue a loan contract
Settlement
We work directly with your solicitor and the banks to arrange settlement
Post-settlement
We’re always available to support you with any post-settlement needs
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Rachael Roberts
I had a great experience with Lee from Blue Lion Lending while purchasing my first home. He thoroughly explained different loan structures, making it easy for me to understand my options. Lee was also very responsive, always available to answer my questions and address any concerns. His expertise and support made the entire lending process run smoothly. I would recommend Lee to anyone in need of a reliable mortgage lender!
Waleed Al-moughraby
Can’t speak highly enough of Lee, bloke was an absolute weapon from start to finish. As a first home buyer, I had no bloody idea what I was doing, but he was always there, no matter the time, ready to explain everything in plain English. None of that bank jargon, just straight talk that actually made sense. He had the patience of a saint too. I must’ve asked the same question ten different ways and he never once made me feel like a peanut. Walked me through the whole process, step by step, and made sure I felt confident every bit of the way. Honestly, if you're buying your first home and want someone who actually gives a stuff, this is your guy. Always available, solid advice, and just a top bloke all round. Cheers for everything, mate!
Thomas Hawkins
I had used Blue Lion previously for my home lending, and they were amazing, I was then glad to find out Blue Lion could assist me with procuring a business loan for buying in to my business. Blue Lion made what might have otherwise been a stressful process, at an otherwise busy and hectic time, easy and they arranged me a great business loan at competitive rates and seamlessly managed the process and guided me through it. Attention to detail and service was A . Highly recommend, top notch business financing service, thanks again for everything!
Robert McKay
Great communication skills, Helpful and patient responses
Dario Battisti
Lee is an experienced broker whom we've had the pleasure of working with for the past nine years. Throughout this time, Lee has consistently demonstrated an outstanding level of care and professionalism in every scenario we've encountered. Lee has been instrumental in helping us refinance, secure a new mortgage, and extend our mortgage. Each time, he has taken the time to truly understand our unique situation and what we are aiming to achieve. His dedication and hard work in finding the best possible options for us have been invaluable. In addition to his exceptional service, Lee has also connected us with other professionals who have been able to answer our questions and provide valuable advice. This network of support has been incredibly helpful and has further highlighted Lee's commitment to ensuring we receive the best possible guidance. We are grateful for Lee's expertise and the outstanding service he has provided over the years. His continued support has made a significant difference in our financial decisions, and we look forward to working with him in the future.
Marina Wilson
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
At Blue Lion Lending, our Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
Informed Finance Pty Ltd ABN: 65 646 587 957. Credit Representative #476865 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.
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