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Please note

Please note that this Special Offer - is dependent on your personal and financial circumstances; is not an offer of credit (you will need to apply for the loan and be approved); is not guaranteed by the lender or Tomorrow Finance; and cannot be used in conjunction with any other offer.

*The comparison rates above are for secured home loan products of the lenders as shown, based on a loan amount of $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

By using this application you accept the terms and conditions.

Special Offers - Finding Home Lending Options

For many would-be home buyers finding the best deal possible for home financing is a top priority. Even now, Australia’s housing market is still strong enough to warrant many newcomers’ interest in obtaining the home they always wanted, while taking advantage of a variety special offers and limited time opportunities. These offers give borrowers a chance to secure decent rates on mortgage loans.

Many of the offers are being made available through Australian’s major financial and lending institutions. The types of offers that are being made available change on a frequent basis and some last a very short time, sometimes a matter of months before elapsing or being replaced.

The lenders are offering plenty of incentives to prospective borrowers to entice them to enter the house-buying markets. Some of the offers include special introductory interest rates that available at very low and competitive levels. Other lenders are issuing discounts on home loans fees such as the establishment fee. Sometimes the offers are available just through one type of loan while others allow combination offer for both fixed rate loans and variable rate ones.

You can pay interest only in advance with some lenders. One offer allows you to take advantage of discounts up to 0.50 per cent on fixed rate loans, especially 1-year fixed rate home loans. As mentioned before, such offers only have availability in terms of a few months so you must be prepared to act when you believe you’ve found one that fits your financial circumstances.

Many websites have been set up to facilitate the search for all of the offers that are being issued by banks and other lending companies. It is not uncommon to find huge listing of special offers listed by the lenders and categorized by type of offer. Visitors to these sites may first see a short selection of the latest offers with further ones available a few clicks away.

The typical features make financing available at reduced or discounted prices and may let you skip some of the fees and charges normally associated with home loans like settlement fees, applications fees, annual fees, and other ongoing fees. One of the big pluses may be getting a break on the interest rates.

Sites that gather these special offers in one place may cater only a select number of independent providers so you will be wise to look around at multiple services to seek out a broader range of products and services that appeal to you.

It is also important to point out that you may be eligible for other special offers by virtue of being a borrower already. Say you have a personal loan or you’ve taken out a car loan. Many lenders are happy to extend special offers to you to encourage you to get a mortgage through them rather than one of their competitors.

Of course, other lenders are passing out special offers just to get you to switch over to them. Some may give you a better introductory rate to change lenders. Others may give you cash amounts for changing over to them. There are also lenders that are offering vouchers for retailer purchasing as well.

It can all be a great deal to absorb when you’ve been hunting for a home loan or you’ve been thinking hard about refinancing one you already have. The number of options should be researched just as carefully as any other aspect of this process. You will be glad that you took the time to weigh all of the options that were being offered by Australia’s home loan financiers.

This guide is general information only and is not product advice. If you need advice on your circumstances you should seek professional financial advice.