HashChing Home Loan Deals

Compare home loan deals from hundreds of mortgage brokers across Australia. Our tools simplifies the home loan market with our brokers having access to exclusive home loan deals from multiple lenders. The rates are pre-negotiated and not advertised anywhere else. Join the 44,156+ Australians that found their home loan through HashChing.

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*All comparison rates are based on $150,000 home loan for a term of 25 years.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.

Choose from a range of lenders

HashChing boasts a panel of over 80 lenders and still growing.

Finding the right home loan

Not sure which type of loan is best for you? When comparing mortgages you really need to find a product that suits your plans, whether you're buying a home, an investment property, or looking to switch your current loan to a better one.

Investment loans

Purchase a property as an investment through specific investment loans. In some cases, using the equity in your existing property.

Refinance your current loan

There are many reasons to refinance your mortgage. Some of the common reasons include:

  • Save more money with a lower rate
  • Get access to extra features in your home loan
  • Manage debts by rolling them over in your mortgage
  • Use the equity in the property to fund another property or renovate

Variable Vs Fixed Rates

It's also important to decide whether you want a fixed or variable interest rate. Variable rates are often lower and have more flexibility but your rate can go up (or down) at any time. Fixed rates let you budget your repayments more accurately because you know your repayments in advance.

Interest only

Interest only loans are popular with investors but also offer several benefits for owner-occupiers as well. In case you are planning a family or predict any extra expenditure for a while, it makes sense to convert to an IO loan to manage your repayments.

Home loan costs

There are costs associated with getting a home loan. As a rule of thumb, you need at least 5 percent of the purchase price to cover the upfront costs required to complete your loan. These need to be paid in addition to the home loan deposit and include:

  • Stamp duty – payable to the government based on a percentage of the the value of your property. Some states in Australia offer a First Home Buyers Grant which waves this fee for first property purchases. Calculate your expected stamp duty costs with HashChing online https://www.hashching.com.au/calculators/stamp-duty-calculator
  • Mortgage and lender fees – Lenders have different fees such as application or establishment fees to discharge costs. In most cases you are also charged a valuation fee as lenders employ an external valuer to assess the property you intend to purchase to determine how much they would like to lend to you.
  • Lenders Mortgage Insurance – If you are borrowing more than 80 percent of your property’s price which is possible to include as your total loan debt.
  • Legal / conveyancing fees – handle the legal documents related to the purchase of your property. Your legal advisor would also run title searches to determine whether the seller has a good title and the property is free of liens.
  • Building inspection fees – building and pest inspections can help identify any potential issues with the property. Many Legal and Conveyancing firms offer this services together with their fees.
  • Home and contents insurance is advised to protect home purchasers from theft and damage to their property.

How do I compare home loans?

Here are the few key items to look at when comparing home loans:

  • Interest rate. A lower interest rate will keep your repayments down.
  • Repayment type. Principle and interest or interest only.
  • Features. Such as offset accounts and redraw facilities.
  • Fees. Application, settlement and monthly fees.
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44,156 Australians trusted HashChing to help them find their home loan!

Did you know that 1 in 2 Australians now prefer using a mortgage broker because brokers can negotiate a better deal on your behalf?

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