Home Loans
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 201 Reviews
With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Rated 5 from 201 Reviews
At Derry & Co., we understand that buying a home is one of the most significant financial decisions you'll make. Navigating the property market can be daunting, especially when it comes to financing your purchase. That's where our expertise in home loans becomes invaluable. Whether you're based in Perth, Western Australia, or anywhere across the nation, our team is here to ensure you access home loan options from banks and lenders across Australia. We are dedicated to helping you find the best interest rates and streamline the application process, so you can focus on what matters most – securing your dream home.
When applying for a home loan, it's essential to understand the factors that influence your borrowing capacity. One of the primary considerations is your financial situation. Lenders will assess your bank statements, credit history, and loan amount to determine how much you can borrow. A strong credit history can lead to interest rate discounts and improve your chances of getting pre-approved. Understanding your loan to value ratio (LVR) is also crucial, as it affects whether you may need lenders mortgage insurance (LMI). LMI is often required if your LVR is above 80%, adding an extra cost to your home purchase.
Choosing between a fixed interest rate and a variable interest rate is another critical decision. A fixed interest rate home loan provides stability by locking in your rate for a set period, protecting you from fluctuations in the market. On the other hand, variable home loan rates can change over time, potentially offering lower rates if the market conditions are favourable. Both options have their benefits, and our team can help you weigh these against your financial goals. Calculating home loan repayments accurately is vital, and our experts will guide you through this process to ensure you make informed decisions.
Understanding supplementary features like offset accounts and home equity can enhance your home loan experience. An offset account allows you to reduce the interest charged on your loan by offsetting it with the balance in your account. This can be a smart way to save money over the life of your loan. Meanwhile, building home equity over time can provide financial flexibility, offering opportunities for future investments or renovations. Our guidance ensures you leverage these features effectively.
When you're ready to apply for a home loan, it's important to be well-prepared. The application process involves several steps, including gathering necessary documentation and understanding stamp duty requirements. Getting pre-approved gives you a clearer picture of what you can afford, making the buying process smoother and more competitive. Our team at Derry & Co. is committed to providing a streamlined application process, ensuring you have all the support needed to succeed.
Navigating home loan options doesn't have to be overwhelming. At Derry & Co., we're committed to simplifying this journey for you. Whether you're calculating home loan repayments or comparing Home Loan Rates, our experienced team is here to assist every step of the way. Contact us today to explore how we can help make your dream of owning a home a reality.
In 60 seconds, understand how much you can borrow to buy your dream home.
Get your Borrowing Capacity
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your loan draws-down and you're good to go!
Book AppointmentRG
Rielly Gigney
We recently used Derrys services to buy our first home. Derry was exceptionally knowledgeable, friendly and made the whole process seamless. It was amazing how little was required of us. He found a lender that met our needs (we had some unusual circumstances - my partners main source of income is a scholarship and Derry found a bank that recognised this is income), he knew all the schemes and savings we were eligible for, he helped organise building inspections and a settlement agent that he trusted, and he was very enthusiastic and a joy to work with. Couldn't recommend his services any higher!
EZ
Emaad Zadeh
I've worked with Derry multiple times, and every experience has been fantastic. He is knowledgeable, professional, and always goes the extra mile to make the process smooth and stress-free. His advice is clear, and he ensures everything is handled efficiently. I highly recommend him.
AP
Aga Primasto
Excellent service from beginning to end. Felt guided the whole process of first home buying. Many thanks to Derry, Karen, Jessica, and others. ???? ...
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
Derry & Co ABN: 69 605 263 287, Derry Tanzil Family Pty Ltd ABN: 69 605 263 287. Credit Representative #477680 is authorised under Australian Credit License #389 087.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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