RBA Cash Rate: 4.10% · 1AUD = 0.64 USD · Inflation: 2.4%  

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  Billions Capital [ FINANCE SPECIALISTS ]

Billions Capital
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)
The Home Purchase Process
THE GENERAL PROCESS TO PURCHASING YOUR HOME

Your First Home or Investment Purchase Process

Buying a property is one of the biggest financial decisions you’ll make, and understanding how the home loan process works can help you make informed choices with confidence. Whether you’re a first-home buyer, an investor, or upgrading to your dream home, our expert guidance ensures you secure the right loan at the right time.

This guide walks you through every stage of the home loan process, providing essential insights, tips, and key considerations to help you on your journey to homeownership.

Why Speak to a Mortgage Expert?

A home loan is more than just a financial transaction—it’s the foundation of your property journey. Speaking with a mortgage expert helps you:

Understand Your Borrowing Power. Understand how much you can afford and what repayments will look like.

Explore Borrowing Options. Compare hundreds of products from different lenders to find a loan that suits your needs.

Get Expert Advice. Get Expert Advice – Ask all your questions about interest rates, fees, loan features, and approval processes..

Understand Future Wealth Creation.A property allows you to leverage equity to build a growing income and protect your future. We’ll discuss how you should structure yourself to achieve financial independence..

A personal consultation is an opportunity to gain clarity, confidence, and direction before making any financial commitments.

The Impact of Interest Rates

The Fixed, Variable, and Split options are often determined by the current cash rate (translating to the retail interest rates made available via lenders). The graph below shows recent trends. Our FAQ module provides more detailed information on Interest Rates and Inflation.

The lowest interest rate does not necessarily translate to the best product or lower repayment. Understanding this will give you the capacity to source the best product for your circumstances. Our goal is to place you in a product that minimises monthly obligations, provides the capacity to build wealth, and has most flexibility

The current cash rate is 4.10.. You may review hundresds of finance products here.

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Frequently Asked Questions

The following FAQs give you some insight into how various types or lending might be structured. Our FAQ module may be accessed here.

Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all ... [ Learn More ]

A 'Split Home loan', 'Split Facility’, or 'Split Mortgage', is a home loan that combines a [link url="1692"]Fixed Home Loan[/link] and a [link url="1690"]Variable Home Loan[/link]. In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract ... [ Learn More ]

A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure ... [ Learn More ]

A fixed rate loan, as opposed to the [link url="1690"]Variable Rate Home Loan[/link], is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type ... [ Learn More ]

The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate ... [ Learn More ]

Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for ... [ Learn More ]

A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction ... [ Learn More ]

A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender ... [ Learn More ]

Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly ... [ Learn More ]

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Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
First Home Buyer Guide, April 2025
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Owner Occ. (Variable)
Interest*
5.43%
Comparison*
6.02%
   
5.44%
6.78%
   
5.59%
5.64%
   
5.59%
5.66%
   
Owner Occ. (Fixed)
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.14%
6.01%
   
5.39%
5.77%
   
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.99% (5.91%*) • Fixed: 4.99% (5.91%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.59% (6.66%*) • Investment PI: 4.99% (5.91%*)
748B, Pennant Hills Rd, Carlingford , NSW 2118
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

This is where your credit rep and ACL number will go. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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