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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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Abdul

2 years ago

Hi Ian. Are you based in Victoria? If so please contact me through my profile as we have over 30 lenders on our panel in order to look at the options and best rates for you. We also have some lenders that had great first home owner special rates out there for you. This also does depend on your servicing and LVR.

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Odette

2 years ago

Hi Ian. The first step is to work out your borrowing power. There is no point quoting rate when that bank may not be able to lend you the amount you require. If you are in Sydney Northern Beaches or North Shore, I would love to assist. Get in touch with us through Hashching. Cheers.

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LEZLI

2 years ago

Hi Ian. Best rate now I've got is 3.65% variable special limited rate. Or 3.69% fixed 2 years with 250K reward points & credit card. Kindest regards. Lezli

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Nicholas

2 years ago

If you are looking for assistance on a loan in the Northern Territory please don't hesitate to contact me through the profile link. Regards Nick

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Michael

2 years ago

Hi Ian, Best case scenario rates will start at 3.59% assuming your lend is under 80% of the property value. If not rates will increase. Other factors is whether you wish to repay principal & interest or interest only. My core business is dealing with first home buyers Australia wide. Please navigate to my HashChing profile and request contact. Cheers Michael

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Nikki

2 years ago

Hi Ian, as you can see their are many options depending on your circumstances. Interest rates differ depending on the amount of deposit you have and whether your are buying for investment purposes or as an owner occupier. You may be entitled to the first home owners grant which would assist with the deposit if you are considering a brand new home. You may also be able to use a security guarantee which would open up different options again. I am located in South East Queensland and am happy to meet with you if you are in the vicinity or can do a video call. I will provide you with competitive choices and help you every step of the way. Best Regards Nikki

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Steve

2 years ago

Hi Ian buying your first home can be a daunting task. We have a first home buyer specialist in our team who can hold your hand through the whole process. The best deal for a home loan can mean different things to different people depending on their personal circumstances. Would love to talk to you about your situation and see how we can help you.

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Robin

2 years ago

Hi Ian The best home loan for you is the one that suits your circumstance.

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Elly

2 years ago

Hi Ian, At the moment, there are some great deals for first home buyers, it all depends in what your personal circumstances are? We have basic home loans or we have package deals to choose from, it also depends in which state your ae wanting to buy & will this be your fist Investment or owner-occupied property. First, we need ascertain your wants and needs to your financial circumstances. As we do not have a one product fits all. We can arrange to do an assessment and take it from there Regards Elly

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Greg

2 years ago

Hi Ian, I can certainly help with the best interest rate for a first home buyer but more than that I have 13 years of experience to offer and I know so many things first home buyers do wrong. From your payments and how they are made to what you might do with the property in a few years. There are some terrible mistakes that people make and I can ensure you don't make any. I suggest a quick call even if you have decided on another broker. Kind regards Greg

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Christopher

2 years ago

Ian As you can see there are many brokers who can give you a solution. My differentiation is that I can give you all the advice that the others will give you, but in addition you will get a whole of life support such as a financial plan and investment strategies, property buying advice and many other support services. Ultimately you want someone to go on life's journey with you.

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Daniel

2 years ago

Hi Ian. First home buyers special at 3.59. Which state are you in. Please check limitations on property price for exemptions from stamp duty.

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John

2 years ago

Hi Ian I will be pleased to discuss your specific situation and work out the best possible solution. I have over 15 years' experience and spend a lot of time with clients to achieve their objectives. Please contact me to discuss. Thanks

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Justin

2 years ago

Hi Ian, There are a few factors that need to be taken into consideration, such as the following: Income, expenses, savings, the state you're looking to purchase as well, as depending on the state you're in will determine the first home buyer policy you will fall under. Upon all these factors plus any other liability you may currently have, will tell us how much you can borrow. Now the rate is subject to lenders criteria as well as any extra facilities you may want to attach to the loan i.e redraw, portability etc... I can go in much more detail with you if you're in Sydney...

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Alyson

2 years ago

Hi Ian. A number of factors will depict your end rate such as your loan to value ratio. Lenders generally will have a better rate for 80% or under loan facilities as the risk is less. Either way, we do need to source funding based on your requirements and objectives. Special discounted rates for first home buyers currently are starting from 3.69%. Feel free to make contact. Cheers Alyson

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Nathan

2 years ago

Hi Ian, As mentioned above there are a lot of different factors that go into finding the best home loan for any purchase. Things like the size of your deposit, if you are wanting to use a guarantor and do you want a variable rate, fixed rate (and for how long) or a combination of both will effect the interest rate that is available to you. Loan features such as redraw accounts, offset accounts, branch and ATM access and others should also be factored in when looking for a home loan. Sometimes the lowest rate is not going to be the best option for you if you are looking for specific features or services attached to a loan. A trusted advisor will look at your specific situation and requirements and come up with an option that is going to tick all or most of the boxes not just look for the lowest rate possible. If you are in Western Australia and looking for a broker that tailors a solution to your needs then get in touch. Regards Nathan

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Beatrice

2 years ago

Hi Lee There are many options available for you to buy your first home. I will need to have some further information from you including your income, savings you have, eligibility for the First Home Owners Grant etc. Rates can start from about 3.69%. Please contact me if you would like to discuss further.

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Joseph

2 years ago

Hi Ian will need some information completed first but it's not all about rate as some loans do not have offset or allow you to pay extra

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LEZLI

2 years ago

Hi Ian. Best variable owner occupied is 3.67%. Fixed 2years for FHO is 3.69% with 250K reward points & credit card. Please contact me & I'll help you. Kindest regards. Lezli

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Morris

2 years ago

Hi Ian, 3.69%PA for 2 years fixed up to 95% lend including LMI, meaning that you must come up with 5% deposit plus Lenders Mortgage Insurance cost, which is a once off cost, stamp duty should be covered by your FHB concession, depending on your states limitation. call me to discuss further options.

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LEE

2 years ago

Thx Ian. Speak then.

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Benjamin

2 years ago

Hi Ian, at present 3.69% is the best that is currently available, this depends on the deposit amount and where you're looking to purchase. I'm a first home buyer specialist and can assist in not only the finance but also ensuring the first home owners grant is completed correctly to ensure the grant/rebate is provided with little delay. Ben.

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Jassie

2 years ago

Hello Ian 3.69% fixed for two years and 350000 reward points with home loan is probably the best deal for FH Buyers. Happy to discuss it further Cheers Jassie

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Ian

2 years ago

Hi Ian, thanks for your enquiry. You'll need to fill in a few details for us before we can let you know what you can potentially get. You'll need to let us know things like your income, employed / self employed, how long, other loans, debts, whether you're single, married, kids, how old, what you've got in savings, do you rent through a licensed real estate agent? There are lots of other details needed, but these will at least get us most of the way there!

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Karen

2 years ago

Hi Ian There are some great rates out there but very difficult to give you best option available to you until I know more about what you need and want. Also you should be eligible for the First Home Buyers Grant however it will just depend on where you currently live and where and what you want to buy. I am on the Gold Coast however do travel to Brisbane and Norther NSW to see clients. If this location suits you please click on to my Profile and I can contact you to discuss further options with you. Regards Karen

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Chris

2 years ago

HI Ian, 3.69% is the one of the lowest 1st home buyer loan rates however it will vary depending on if you are borrowing 80% or lower of the purchase price as the higher % will incur a higher rate, please call me if you want to discuss it in more detail, regards Chris.

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James

2 years ago

Hi Ian Definitely plenty good rates for owner occupied. It will come down to how much deposit you have. Feel free to give me a call to guide your through your property purchase. Cheers James

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Danny

2 years ago

Hi Ian, I specialise in helping first home buyers and would value the opportunity to help you as well. Happy to talk anytime and discuss your scenario. Cheers.

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Nick

2 years ago

Hi Ian Great rates and deals are plentiful at the moment so it is a great time to be looking for a loan. Rate depends on what type of loan will suit you best with what features and how much deposit you have. Once we have all the pieces we can complete the picture. Normally would expect a rate starting with 3. I am in Perth and happy to have a chat if the suits you

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Anthony

2 years ago

Ian, the home loan market is complex and quite scary these days. There are now interest rate differentials between owner occupied purposes vs investment purposes, as well as between paying Principal and Interest compared to Interest Only. Lenders also have different establishment and on-going fees for their products. Everyone's needs are different and these need to be matched to a suitable home loan product. My advice would be to meet with a Mortgage Broker who can review your situation, determine your needs and then match the best product in light of your needs. Do your research and make sure you deal with someone you can trust to be there every step of the way. I hope this helps, good luck Ian!

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Ian

2 years ago

HI Lee, ok i will do tomorrow

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Peter

2 years ago

Hi Ian, depending on your loan to value ratio (LVR) you could be as low as 3.69%, I would be more than happy to discuss your options with you. Regards Peter

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LEE

2 years ago

Hi Ian, will depend on a few factors such as how much the place is worth and whether you have 5% genuine savings and income etc. But rates start around 3.69% for First Home Buyers. If you're in Melbourne, check out my reviews and make contact. P.S I even have a first home buyer specialist on staff!

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