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HashChing is Australia’s first online marketplace allowing consumers to access great home loan deals without having to shop around. Completely FREE to consumers, HashChing connects you directly to verified mortgage brokers who can further negotiate a better rate from the lenders and save you time, hassle and money.

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LEZLI

9 months ago

Hi. Loan depends on your income. Please contact me via my Profile page. I can help you. Thanks. Lezli

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Tamara

10 months ago

Hi Heir, thank you for your enquiry. If you are a first home buyer then you will still need to pay some stamp duty although there is a concession applied. Five percent will get you over the line if your servicing is very strong and we can potentially look at capitalising the Lenders Mortgage Insurance back on top of the loan for you. I am happy to go through any further questions with you if you would like. Good luck with reaching your goal! Kind Regards, Tamara Ives - Home Loan Specialist

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Glenn

10 months ago

Hi Heir, I hope you're well? Thanks for your questions. You can have a 5% deposit plus costs depending on purchase price and purpose. Having a 5% deposit will limit your lender options and the lenders who can assist will either have a higher interest rate than if you had a larger deposit or the lenders will make sure you have a buffer of a surplus cash amount/ surplus income amount per month for servicing of the loan which is built into the lenders calculators. If you had an 8% deposit then this will open up more options for more lenders as well. Buying an investment property would mean you would need a larger deposit plus costs. I hope this answers your questions and if you require further information for your situation, please click on my broker profile so we can discuss your options or what is needed to move ahead if this is where you are at presently? Kindest Regards. Glenn Rowan - Senior Mortgage Broker

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kelvin

10 months ago

5% + stamp duty. No stamp duty for First Home Owner at $650k - some $650k-$800k. 95% have regular competitive rates while the lenders doing 98% increase there rates.

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Vivek

10 months ago

Hi Heir. That is good question. We have lenders who will lend upto 99% of property value including Loan Mortgage insurance. That means you will need a minimum funds totalling 4.5% of property value + stamp duty (if applicable) plus lawyer fees + other fees and charges. Having said this, please note every lender has a different policy, so its more important to find the right lender for you. Please feel free to contact me through my profile on the website. Thanks Vivek

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Michael

10 months ago

Hi Heir, if it's a home you are living in, 5% would be sufficient. However if you can manage 10% it would land you a better interest rate and more choices on the market

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