Home Loans

Whether buying a new home, refinancing an existing home loan or investing in property, Ausun Finance can help you to estimate what your repayments could be and help you with your financial situation. These estimates are indicative only and actual costs and the amount you could borrow may vary based on a number of factors including loan purpose. Be sure to seek professional advice and contact your local Ausun Finance Home Loan Specialist who can help guide you through this process.

Pre-Approval

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New Purchase Finance

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Refinance

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Construction Loan

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Low Doc Loan

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What is a pre-approval?

Pre-approval is an indication from a lender that you’re eligible to apply for a home loan up to a certain limit. You’re under no obligation to take the loan, and the lender has no obligation to lend you that amount, but it can show sellers you’re serious about buying and that you’re confident you can afford the property.

With pre-approval, you’ll have a better idea of the price range of the properties you should be looking for and you won’t waste unnecessary time looking for something outside your budget.

Key advantages of getting for a pre-approval:

What is a pre-approval?

Pre-approval is an indication from a lender that you’re eligible to apply for a home loan up to a certain limit. You’re under no obligation to take the loan, and the lender has no obligation to lend you that amount, but it can show sellers you’re serious about buying and that you’re confident you can afford the property.

With pre-approval, you’ll have a better idea of the price range of the properties you should be looking for and you won’t waste unnecessary time looking for something outside your budget.

Key advantages of getting for a pre-approval:

Buying your first home or a new investment property?

We understand buying your first home is one of your top priorities. As it is probably your first time buying a property and looking for a loan product, you may feel unsure where to start. For an investment purchase, it’s also critical to understand the return the property will provide as well as the interest and fees that you will be paying so you can have a clear picture of the overall ROI of the investment.

At Ausun Finance, we help you calculate how much you may be able to borrow and what your repayments to give you a clear idea in terms of the price range you should be looking at, and you can look for the great home or investment property you deserve and in the meantime don’t waste any time looking for something outside your budget.

Ausun Finance will be with you every step of the way making your first home buying experience a pleasure.

Buying your first home or a new investment property?

We understand buying your first home is one of your top priorities. As it is probably your first time buying a property and looking for a loan product, you may feel unsure where to start. For an investment purchase, it’s also critical to understand the return the property will provide as well as the interest and fees that you will be paying so you can have a clear picture of the overall ROI of the investment.

At Ausun Finance, we help you calculate how much you may be able to borrow and what your repayments to give you a clear idea in terms of the price range you should be looking at, and you can look for the great home or investment property you deserve and in the meantime don’t waste any time looking for something outside your budget.

Ausun Finance will be with you every step of the way making your first home buying experience a pleasure.

When should you consider a refinance?

Have you asked yourself the following questions?

  • Has your home loan needs changed over time? Is your existing loan still the best one for you?
  • Would you like to consolidate other types of debts by borrowing more from the equity you gained in your home or investment property?
  • Are the interest rate and fees that you are paying for your existing home loan still competitive in the market?

If the answer is YES to any of the questions above, you might take some time to think about refinancing.

How we can help you with refinancing:

When should you consider a refinance?

Have you asked yourself the following questions?

  • Has your home loan needs changed over time? Is your existing loan still the best one for you?
  • Would you like to consolidate other types of debts by borrowing more from the equity you gained in your home or investment property?
  • Are the interest rate and fees that you are paying for your existing home loan still competitive in the market?

If the answer is YES to any of the questions above, you might take some time to think about refinancing.

How we can help you with refinancing:

What is a construction loan?

A construction loan is a mortgage loan product designed for those who are would like to a new home or investment property. It generally works as below:

  • You have purchased a vacant land or a land with an old house to be demolished, and then you have arranged with a builder to build a house on it in an agreed timeframe. The builder would require you to pay 5% of the total construction cost as a deposit.
  • You apply for a construction loan and the application is approved.
  • The builder commences the construction.
  • The lender releases funds to the builder as progress is made.

Features of construction loans

What is a construction loan?

A construction loan is a mortgage loan product designed for those who are would like to a new home or investment property. It generally works as below:

  • You have purchased a vacant land or a land with an old house to be demolished, and then you have arranged with a builder to build a house on it in an agreed timeframe. The builder would require you to pay 5% of the total construction cost as a deposit.
  • You apply for a construction loan and the application is approved.
  • The builder commences the construction.
  • The lender releases funds to the builder as progress is made.

Features of construction loans

What is Low Doc Loan?

Low Doc loans (Low Documentation Loans) are generally for the self-employed who may find it difficult to apply for a traditional home loan, because many businesses may write off expenses, reinvest profits back into a business which makes it difficult to show a high level of business income.

A traditional home loan often requires lots of supporting documents especially from an income point of view for the application while Low Doc loan products have lots of flexibility on the required documentation.

Features of Low Doc Loan:

What is Low Doc Loan?

Low Doc loans (Low Documentation Loans) are generally for the self-employed who may find it difficult to apply for a traditional home loan, because many businesses may write off expenses, reinvest profits back into a business which makes it difficult to show a high level of business income.

A traditional home loan often requires lots of supporting documents especially from an income point of view for the application while Low Doc loan products have lots of flexibility on the required documentation.

Features of Low Doc Loan: