Make The Link Today! Choose Us For Your Next Home Loan In Perth

With a range of different home loans on the market, we can help you make an informed decision about what’s the best home loan in Perth for your budget and situation.

While a mortgage is fundamentally a loan that is secured against your home, there are many variations to the type of mortgage that can be used for various needs. Based on your lifestyle, financial situation and long term goals there may be a number of different mortgage products that will meet your need today and tomorrow .

fixed rate home loans

Fixed With a fixed-rate mortgage, the interest rate is set for the term of the home loan so that the monthly repayment remains the same throughout the term. Regardless of rates movement, you know exactly how much your repayments will be and this helps with your personal budgeting. In a low interest rate climate, it may be worth considering longer term, fixed-rate mortgage for protection from upward fluctuations in interest rates.

variable rate loans
Variable Variable rate loans fluctuate generally in line with the cash rate which is announced by the Reserve Bank on the first Tuesday of every month. Yet some banks are changing their rates separately to the reserve so it pays to consult your broker to see which bank has the best deals.

interest only home loans
Interest Only Interest-only loans means you are only ever repaying the interest earnt on your home loan and not the actual principal of the loan. It is commonly used in Investment Loans as the interest portion of the loan is tax deductible. Interest Only loan repayments are lower and this can be a strategy to assist in cash flow.
first home owners grant help

First Home Owners If you're looking to buy or build your first home, there's a helping financial hand, the First Home Owner Grant (FHOG). The FHOG is a national scheme funded by the states and territories and administered under their own legislation. The FHOG will provide grants to first home owners that satisfy all of the eligibility criteria.

refinance existing mortgage
Refinancing Refinancing allows the consumer to move from their existing loan onto a better rate loan, whther it’s to another lender or possibly an internal refinance onto a different product at your existing bank. You may also have the option of consolidating higher rate debt such as personal loans, car loans and even credit cards into the lower rate of a home loan. This can help greatly with household cash flow.

investment home loans
Investment Just like when you buy your own home, buying an investment property to rent to others typically requires that you get a mortgage. There are many different strategies and structures associated with Investment loans so it’s best to consult your broker as the needs of individuals will vary.
construction and building finance

Construction When you decide to build your dream home and you apply for a construction loan, you will need to provide the lender with copies of the council-approved plans and land and/or building contracts before the construction loan can be approved. Most lenders will also want to control the progress payments made to the builder and Link Home Loans can assist here.

bridging finance perth
Bridging Bridging finance allows you to buy your new property first before selling your existing home. It means you will keep your existing home loan as well as purchasing the new home loan. During this time, the interest is paid on both loans so it is important to make sure that this is an affordable option before taking on this expense.