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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

1 year ago

Hi Chelsea, Have rates from 3.39% variable for OO and clean credit. Please feel free to contact me via my Profile page and I will help you. Thanks. Lezli

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Suresh

1 year ago

Hi! Chelsea. Appreciate your enquiry and going through your statement of position you are well placed to buy your first home. I have helped many people in similar situation over 14 years of my lending experience, the journey of buying your first home is very important and I would like to be a part of this journey by sharing all of the information that is important for you to understand how loans work and how you can minimise interest payable to a bank as loans are over a 30 year period. Although the amount you borrow is based upon income but as different banks have different Assessment rate hence it is important for you to give me a call so that I can share all of this as I believe in transparency with no room to surprises, thus helping you make a knowledgeable decision with your first home purchase and offering you a choice of choosing a lender from a panel of 35 lenders with interest rates starting from 3.55% pa. Looking forward to hearing from you soon after 04/04/18 because of this Easter holiday. Wishing you a very happy Easter. Regards, Suresh

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Morris

1 year ago

Hi Chelsea, Your income will only get you a loan for $310,000 - $330,000, this is based on a net base income of $729.00 per week and as a single with no dependant children and no debt. seems to be very tight in servicing, Some lenders may have a more generous servicing calculators, however, this may attract a higher interest rate and limited loan features. i have the largest lender panel in the country and extremely confident that i can find the right lender for you. call me if you want find out more, also based in WA with access to our own in house funding.

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Wladek

1 year ago

Hi Chelsea, Your purchase price is $650K, your deposit is $350K from your savings, not sure why you need to borrow $450K. Your 45K income may not be able to sustain a loan of 450,000. Interest rates for both fixed and variable would be below 4%. There are a few options to explore. Please contact me for further assistance. Regards, Wladek

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Daniel

1 year ago

Hi Chelsea - Interest rates are: Variable at 3.59 - Fixed 3 years at 3.79. However, in terms of your borrowings, I need to see a copy of your payslips to determine serviceability. And buying a property at 650,000 you will have to pay concessional stamp duty as well. Fully exempt upto 600,000. Contact me to help you further. Regards Daniel

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KIM

1 year ago

Hi Chelsea. Thanks for the question - I would be more than happy to help. We would be more than happy to give a quote at no cost to you. We also have access to a panel of 35 lenders. If you contact me directly through my profile we can discuss your options and hopefully help you achieve your dream. Cheers, Kim

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Nadia

1 year ago

Hi Chelsea, do you receive any other income or do you have a partner/family member who can assist you with this new loan? Unfortunately your income level will not service a loan of $450,000. Based on your annual income of $45k, this services a maximum loan of around $290,000. You would need an additional $20k - $25k income per annum to service a loan of $450,000. Another option to consider may be treating this as an investment property (so you have additional rental income to help cover the loan repayments). If you would like to discuss your options further please click on my profile and I can speak with you directly. Thanks! Nadia.

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Troy

1 year ago

Hi Chelsea, Great question - looks like you are ready to go and I am certainly able to assist. Please view my profile and contact me directly and I will be able to get under way today. Cheers Troy.

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Kyle

1 year ago

Hi Chelsea, Would love to give you a quote I also have an idea for maximizing your savings once the property has been bought as well. The way hashching works means that you would have to view a particular brokers page and fill in the contact form so that it can be sent to an individual broker to help you out.

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Renee

1 year ago

Hi Chelsea, There are other factors to take into account when looking at loan options in the marketplace such as annual fees, if you require offset etc, Feel free to contact me directly and I will be more than happy to look at options for you. Regards Renee

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Andrew

1 year ago

Hi Chelsea. Thanks for the question and it sounds like you are in a great position. I am certainly able to assist. Please view my profile and contact me directly and I will be able to discuss your requirements further. Regards Andrew.

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