Home loans | Mortgage broker Schofields, Kellyville and Rouse Hill

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Home loans in the Schofields region and surrounds

Buying a home is a huge financial, mental, and emotional commitment, but you don’t have to go through it alone! Whether you’re looking at your first home, upgrading, downsizing, or something in between, Subbu will be able to help you find the right home loan for your situation. With so many home loans to choose from, it’s easy to feel confused and overwhelmed, but that’s why Subbu is always by your side to empower you in your decision-making and make sure you get the most out of your loan.

Fixed vs variable home loans

When you buy a home, you will need to choose between a fixed and variable rate home loan. Both types of loans have their advantages and drawbacks, and the right choice will depend on your unique situation and preferences.

Fixed rate home loans

With a fixed rate home loan, you have absolute certainty about your repayment amount for the set fixed period, allowing you to budget precisely. You are also protected from any interest rate rises. However, these types of loans are often less flexible and even have higher fees, and you will not benefit from any rate decreases.

Variable rate home loans

While a variable rate leaves you vulnerable to potential rate increases, this type of loan usually includes more features such as redraw. You may also be able to benefit from lower account fees.

Subbu will work with you to determine the best loan based on both your lifestyle and broader economic issues. You can be sure that you are getting the best deal with him on your side.

Schofields construction loans

If building a home is a goal for you, an amazing construction loan will help you get there. Understanding your obligations can be difficult when it comes to a construction loan, as they differ from standard home loans - that’s where Subbu comes in as your Schofields mortgage broker. Subbu will source a great loan from his wide network of lenders and ensure that all of your application documents are in order. He will answer any questions and help you understand all the intricacies of your build.