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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

2 years ago

Hi, can do - no problem - have done similar for other young clients. Look forward to hearing from you via my Profile page. thank you

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Aaron

2 years ago

Hi Bradley, we can negotiate the best deal for you with a major lender. Will be better than all here, give me a message to discuss!

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Dim

2 years ago

Take a pick... they will all have an appetite for your lend, the question is, which lender suits you most (it might not be a big 4 bank). If you would like me to check it out for you, be sure to hit me up!

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Linda

2 years ago

Hi Brad, thank you for your enquiry. At 80% or below lending you would suit most major and non-major lenders family pledge products. The real question is which lender’s policy you meet, ie; will your parents be offering security only and/or assisting with servicing. The best deal is the one that meets your needs. If you are in WA click on my profile and I will arrange to have a chat with you. Regards Linda

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Caroline

2 years ago

Hi Bradley, if your looking at the big 4 only, then 3.99% is probably your best bet. However, it's hard to guide you without knowing more about your financial situation and which lenders you qualify with, also would need to know what features you are looking for in a loan. I'm happy to discuss your options with you, just click on view profile if you'd like to contact me. Kind regards, Caroline

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Nayesh

2 years ago

Hi Bradley I wont state an interest rate or lender directly. But I will certainly state that your situation is something a lot of lender will consider. Specially if you are buying a home. I will be more than happy to discuss this further at your convenience. Let me know.

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Phil

2 years ago

Hi Bradley, A very good question. There are a number of banks/lenders who do this quite well with extremely competitive rates as low as 4% you may find that other banks may offer 3.79% however there are some very conservative policies that need to be met to get that deal. One of the biggest problems that you may experience is whether or not your parents own their home outright (do you know if they have a home loan over the home they want to use as security towards your home loan?) or what their financial position is (Full time employed or retired). Some banks need your parents to service the debt that you have over the guarantee loan whereas others may exclude this which will work to your advantage. Either way there is a multitude of information in this blog so I wish you good luck and I hope that the information above helps you achieve the great Australian dream of home ownership ;-). Regards Phil

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Michael

2 years ago

Hi Brad, On a 80% lend you would be in the prime space for all lenders who deal with family pledge products. My only question is will your parents be offering security or servicing support or both. If it's purely security then we do have a couple of the big 4 whereby income doesn't need to be verified for your parents. Is there also any reason why you wish to only deal with the big 4? From my experience some of the other non bank lenders have similar products with rates cheaper. Feel free to navigate to my page and get in touch and we can have a chat over the phone. Alternavitely if you're located in Adelaide or Far north qld happy to meet in person. Regards Michael

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Stephen (Steve)

2 years ago

Hi Bradley- Congratulations on your property ownership endeavor. If you are located in South Australia, I would be please to discuss further; If you are a First Home Buyer there is also scope for a Lender FHB grant for an established property and 'Family Pledge" type Loan - Regards Steve Miller

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Morris

2 years ago

Hi Brad, Guarantor loans are my specialty, and I will be happy to assist. there are several types of structures for a guarantor loan and the best way to choose a suitable one for you is a quick 5 min telephone assessment, please call me and I will make sure to fit you with the best bank that will meet your requirements, if you reside in Perth, I will be happy to meet you in person. Look forward to hearing from you.

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Patrick

2 years ago

Hi Bradley, please contact me through my profile and I would be happy to do a full preliminary assessment to advise you on your borrowing capacity and competitive loan options.

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kelvin

2 years ago

Hi Bradley - If you parents are providing a family guarantee then you have the Equity/Deposit side of lending sorted. The next step is to work out if your net income (income less expenses) support the loan of $435k (you are covering the fees) Based on one of the big 4 - your income needs to be $75k gross per year or more. Assuming no liabilities including credit cards, personal loans, HECS.

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Allan

2 years ago

I am guessing you are planning to use your parents home as partial security to get the loans down to 80% and avoid LMI. currently rate are very low just around the 4s. have a few of the majors who can help but saying which will be the best deal will depend on who has the best loan to suit you. look up my contact details send me your information with incomes etc and I can start the ball rolling.

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Kathy

2 years ago

Hi Bradley, There are many great deals on offer at present and is all dependant on your own personal circumstances. Without specifics you should be able secure a good rate with some of the major banks and some of them have very good family guarantor products as well. If you would like some more information give us a buzz. Kathy

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Gee

2 years ago

Hi Bradley, Most big banks are pretty good at Guarantor loans. Pricing wise all banks go through a cycle of good and bad rates. Right now for example Nab and Anz are at good rates and CBA and Westpac are tight on rates. Contact me for a free information session if you like and I can walk you through some good options.

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Karl

2 years ago

Hi Bradley... we can discuss the best interest rate in the market however it may not be the best 'deal' based on your circumstances. For example if you would like an offset account and credit card tied into a package then the rate will be different compared to if you would like a basic 'no frills' home loan. If your parents are willing to offer a property as guarantors this should keep the interest rate competitive and you can expect around 3.84% pa to 4.00% pa varibale as a guide (comparison rates will differ). I can review this in full at any time so don't hesitate to call.

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Hao

2 years ago

It depends on whether your parents are working at the moment. Most family pledge loans (parents acting as guarantor) will require parents to provide their income for serviceability calculations. This is not the case for Westpac, and they will take second mortgage on the property as well. Give me a call if you want to have a chat in detail.

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Joe

2 years ago

HI Bradley, There are many lenders that may suit your current situation. All things need to be taken into account when going forward with an application. ie annual fees, application fees, monthly fees etc. We are able to break this right down for you to ensure you make an educated decision of who you choose to go with. Cheers Joe

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LEO

2 years ago

Hi Bradley Probably best you can get is 3.99% variable please client on my profile for more information Regards LEO

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Sam

2 years ago

ANZ provide the best Guarantor loans.

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