Testimonials

As a young family living in the Eastern Suburbs of Sydney, we’d been struggling for the next step in finding the finance to purchase a larger property that suited our growing family in a hugely competitive property market. Andrew was most helpful, offering us strategies and financial advice in areas where we thought we’d hit a dead end. Now we have a plan for the future that is achievable and clear, and we are excited to take the next step.
Dan & Sandra H
Business Owner
We came to Doc via a recommendation and brought with us a plethora of questions and needs to be met, given this was our first home loan/purchase. Doc was immediately accommodating, meeting with us at short notice and distilling all of our questions and queries in a jargon-free, easily comprehensible way. Even after locking in our loan choice, he was very responsive and informative about the options/solutions available to us looking ahead. We look forward to an ongoing relationship with Doc and Aussie Loan Guru.
Anthony Alvey​
Marketing
The guys at Aussie Loan Guru are exceptional. They fully analysed my circumstances and guided me through the regulatory maze that now exists. They worked through the difficulty of two time zones and a deadline and achieved exactly what I wanted. Service like this just rarely happens in the financial world, and I would highly recommend them to anyone.

Colin Marland​
Director

Frequently Asked Questions

– If you have a question, please get in touch

As we work with a range of lending providers, we can find an excellent rate for you, depending on your own financial situation and goals. Click here to contact us and find out what our rates are today.

A fixed-rate home loan will keep your interest rate and regular repayments at a fixed amount for a fixed period of time, and will then revert to a variable rate. A variable rate home loan will result in interest rates and, therefore, repayments, moving up and down depending on the housing market and economic conditions. We can discuss the implications of both with you and how to structure it most efficiently to achieve your own goals.

Lenders Mortgage Insurance is a payment that can be made upfront, or built into the loan, to protect the lender if you are looking to borrow more than 80% (typically) of the property’s value. This can allow you to purchase your home or investment property sooner if you only have a smaller deposit.
Speak to us today to find out how Lender’s Mortgage Insurance could benefit you and allow you to purchase your investment property sooner. Click here to contact us now.

A ‘Principal and Interest’ loan is one where the principal and interest amounts are repaid over the lifetime of the loan. An ‘Interest-Only’ loan however, is one where you are able to just pay the interest amount off for a fixed period of time. This is typically not allowed for the lifetime of the loan but can be a substantial period. Click here to speak to us and find out which is a more appropriate solution based on your financial goals.

A Loan to Value Ratio measures the true financial value of your property in relation to how much you are looking to borrow. It allows us to determine whether Lenders Mortgage Insurance would be required for your loan. The Loan to Value Ratio is calculated using the following formula:
LVR = (Loan Value / Property Value) x 100
It is important to remember that the price you paid for the property may not equal the value.

For some interest-only fixed-rate loans, you will have an option to prepay your interest. For example, you could prepay next year’s interest today and claim it back as a deduction in this financial year. This can be beneficial for you in reducing your taxable income. It is important that you discuss this strategy with the appropriate professionals.

Click here to book your no-obligation, complimentary consultation with us and we can work with you to identify the right loan for you and guide you through the application process.

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