Home » Lending » Home Loans

Home Loans

Home Loans

The media bombard us daily with information, advice and advertisements for Home Loans: payment methods, interest rates, fees, charges, pay out penalties, contribution benefits, the list goes on. It can be daunting and confusing. The penalties for mistakes can be costly.

At Noble we take the guesswork and hassle out. As we are affiliated with a large number of lenders we can find the most suitable loan for you.

Our five step plan makes it simple:

  • We work closely with you to identify and understand your exact needs and circumstances.
  • We locate all the lenders whose products and rates suit those needs.
  • We isolate those with the lowest fees and charges.
  • We explain each of the loans you qualify for, in plain English, and ensure you are completely aware of all aspects of the loans and your commitments.
  • We help you pick the one that is right for you.

There are no fees or charges for Noble Financial Services Home Loan Service.

Back to top

First Home Buyers

Our consultants will guide you comfortably through what is generally the biggest investment of your life. Selecting the right loan is as important as selecting the right property and we are here to help you achieve this. We explain and assist with the First Home Owners Grant, ensuring that every avenue to create eligibility is explored and the application submitted. We clarify the Home Plus guidelines and remove any mystery or uncertainty.

We look at the differences between bank and non bank lenders, determine the deposit needs and help you select the right option. More information is available on First Home Saver Accounts.

Back to top

100% ‘No Deposit’ loans

For First home buyers, It is possible to get into the property market without a deposit. There are a number of lenders who will cover the total value of the property i.e. lend 100% of the purchase price. These are genuine offers and in most cases there is no interest rate penalty either.

We are here to help you through the process, help make you aware of the differences in repayment options and the costs involved such as stamp duty, mortgage insurance, lenders and legal costs. Our goal is to make the process as smooth as possible.

These loans can apply to owner occupied or investment borrowings. They are for the self employed as well as PAYG workers. They are available in metropolitan and regional centres.

Our skilled consultants provide, not only the information as to availability of these loans, but by negotiating on your behalf, greatly improve your chances of success. This is great news for those who have been struggling to pay rent and save for a deposit at the same time.

For non first home owners it is still possible to borrow 100% of the purchase price but you may still need funds for stamp duty, mortgage insurance and legals. What does this all mean? Our friendly consultants will be able to advise and guide you through the process.

Back to top

Refinancing

There are many reasons you may be thinking of refinancing your home or investment loans

  • Have you been a loyal customer of a bank but have received no loyalty incentives or benefits?
  • Do you know if your interest is too high?
  • Are you paying too many fees?
  • Have your circumstances changed so that your current loan is no longer working for you?
  • Have repayments begun to get too much for you and you need to consolidate other debt?
  • Are you thinking about building on or renovating your home?

Now is the time to have a talk to us to find out what you can do. There are normally plenty of options but do you have the time and the resources to find the correct one? We do, we can come out and meet with you at a time that is convenient for you to discuss your options, we are always available to chat and love being able to find you a solution.

Back to top

Lo Doc and No Doc Loans

Are you self employed and don’t have financials?
Did you know that there are loans available for which you do not have to provide your financial details? Generally “Lo Doc” refers to loans for which the lender requires you to declare your income and provide accounts and many details.. Today, however, there is such a wide variety of lenders offering Lo Doc products that no-one needs to pay a premium interest rate or tie into loans with less than acceptable conditions.

No Doc loans are available and are based on the value of the real estate you are offering the lender as security, generally you are not required to declare your income position.
There are many ways in which we at Noble can help you. Our experienced, well qualified loan consultants an take you through all the options available to you and ensure you find the right loan, with the right conditions, terms rates and repayments for you.

Back to top

What is a Mortgage Broker?

It is our responsibility to look after you, to work with you to find out what your needs are and what loan product and what lender is right for you.

Each lender pays us commission to introduce loans to them so Noble Financial Services considers it our responsibility to ensure you are happy first before we worry about being paid. We do not charge you a fee.

In NSW mortgage brokers are required by law to complete a “National Finance Broking Agreement” outlining what fees you should expect and how the brokers themselves are paid. At Noble we consider this a most important document. It provides the information necessary so that our clients are fully aware of all fees and charges and understand that we operate only to assist the client.

Back to top