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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 month ago

Hi Daniel, The rate would depend on how high the LVR is, your credit history, location, etc. Would be glad to assist you after finding our more on your particular situation. Please feel free to contact me via my Profile page. Look forward to hearing from you. Thanks. Lezli

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kelvin

3 months ago

Daniel - did you make contact with any brokers and provide your finance details? Lending options would be worked out from the list of lenders that you quality with servicing. We would need to know your income - any dependents - any other expenses (credit cards - HECS etc) - car loan repayment $ and term left. Also - depending on lender - details on the deposit to confirm genuine savings or use rental history to show ability to service a new loan.

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Alex

4 months ago

Hi Daniel, thanks for your question. First of all, we have to work out the loan to value ratio (LVR). We do this by adding the costs (stamp duty, bank fees etc) to the purchase price and deducting your deposit. So at $625k, the costs are approx $18k, less your deposit of $75k gives a loan requirement of $568k. This is an LVR of 90.88%. Plus LMI would be payable, but this can be capitalised to the loan. At this LVR, the best rates I can see are 3.34% variable or 2.98% fixed for 3 years. However, a lot more needs to be discussed before I can recommend any specific loan. Things like you and your partners income, your employment, your debts and your expenditure. It's best to have a phone call or meeting to discuss those things offline. If you like, click through to my profile and make an enquiry and we can go from there. BTW I'm at Woolloongabba so close for you to drop in or I can come to you. Thanks, Alex

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