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Yes. Eurobodalla Finance Group provides credit assistance under Australian credit licensing requirements. We can provide our Australian Credit Licence or credit representative details on request, and you can check licensing information through ASIC.
As a finance company and mortgage broker, we help clients understand loan options from different lenders, including banks, non bank lenders and other credit providers.
How much you can borrow depends on your financial situation, income, expenses, debt, deposit, credit limit, property value, loan amount, loan term and repayment type. Lenders will also look at your current loan commitments, monthly repayment history and whether you are applying for a home loan, business loan or another type of finance.
We can help you compare home loans and understand your possible loan options before you apply for conditional approval or pre approval.
A fixed rate home loan gives you a set interest rate for an initial period. This can make home loan repayments easier to plan because your fixed rate loan repayments stay the same during that period.
A variable rate can move up or down, often influenced by market conditions, lender decisions and the Reserve Bank of Australia cash rate. Variable interest rates may offer features such as an offset account, redraw facility, extra repayments or additional repayments, depending on the lender and loan.
Some customers choose a split loan, where part of the loan balance is on a fixed rate and part is on a variable rate. The right loan depends on your goals, budget and comfort with interest rate changes.
Home loan interest rates and loan interest rates can depend on the lender, loan amount, property value, repayment type, loan term, credit history and whether the loan is for an owner occupied home, investment property or business purpose.
Your mortgage repayments may also depend on whether you choose principal and interest repayments, interest only loans or another repayment structure. With principal and interest repayments, you pay interest and reduce the loan balance over time. With interest only loans, you only pay interest for an agreed period, which may lower repayments at first but can increase the total cost over the full loan term.
When comparing loans, it is useful to look at the interest rate, comparison rate, ongoing fees, monthly fees, features and total cost, not only the advertised rate.
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