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FAQ

Before I make any decisions about my home loan, what is the most important thing I should do?

  • Research. You cannot do enough. It's going to save you money in the short and long term.
  • Its also an education that is going to improve your welfare. You will be taking a key responsibility in your future.

I am concerned about borrowing too much money. What do I do?

  • More people should ask themselves this very question. Your commitments should not exceed 40% of your pre-tax income.
  • When you do your sums, always be conservative. Allow for unexpected expenditure e.g. an old fridge that is due for replacement etc.
  • Your goal should be to repay the loan well within the time allowed and perhaps much sooner.

Should I go for a BASIC, STANDARD or PREMIUM home loan?

  • The more features the loan has, the higher the interest rate.
  • You have to be realistic and decide whether you want all the "Bells and Whistles".
  • Most 1st Home Buyers don't. Some Investors or those who want to refinance have to have the extra features and are prepared to pay the extra 0.5%-1.0% pa.
Disclaimers

   
The quality of service was exceptional. I didn’t think such a complicated
subject could be made so understandable to someone like myself...
  
M. Jones

All financial advice and services are provided by More Financial Services Pty. Ltd. ABN 96 107 203 216 is a Corporate Authorised Representative (291 051) of Lionsgate Financial Group Pty. Ltd. AFSL (342 766) ABN 92 140 591 484

All credit and loan advice is provided by More Home Loans Pty. Ltd. ABN 23 108 947 379 (Australian Credit Licence Number 388 458) is licensed as an Australian Credit Licensee pursuant to the National Consumer Credit Protection Act 2009