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All You Need
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I’d like to buy a property. How much money can I borrow?

Your employment status

Your income (and your partner’s if you are taking out a joint loan)

The amount of deposit you already have

How much your living expenses cost

Any other debt you might have, including your credit cards

Next, think about how much you can comfortably afford in monthly repayments. It is recommended that you add an additional 2-3% of that to allow for any interest rates there may be.

Are you going to live in the property or rent it out? If you think you will rent it out, then take the expected rental income into account to help pay the mortgage.

Again, add an additional buffer to allow for rental management fees, maintenance costs and short periods where you don’t have a tenant.

Once you work that out, you could get a fair idea of how much you can comfortably borrow over a period of 30 years (the typical home loan period).

A lot of banks and lenders will recommend that you have at least 20% of the value of the house as a deposit. However, some lenders will actually let you borrow more, meaning that your deposit can be less – say between 5-10%. This is great if you only have a small amount saved, but there are pros and cons on both sides.

Having a deposit of less than 20% means that you must pay Lenders Mortgage insurance.
Having a larger deposit means that you may have more choice of lender. You may even pay a lower interest rate. It also means that you won’t pay as much as your loan will be lower.
Some states and territories offer a concession or a government grant for being a first home buyer. It’s worth speaking to your lender to see what you are eligible for.

We will put you in touch with financers and lenders who will help you choose the right loan and budgeting for your circumstances.
Simply complete the online form and one of our Experts will call you back to discuss your needs and compare what you’re currently paying for your broadband with other retailers.

You then make the decision to get finance. It’s a hassle-free process and you don’t have to do anything.

Yes! We have helped over 100,000 families to save money on home and personal loans. We also have 5-star reviews from our customers.

We at Cheapbills have been established as an online comparison website since 2013. However, our mother company, Integral Resource Group has been servicing Australian customers since 2011. We are based in 5B/117-125 York Street, South Melbourne; next to the famous South Melbourne market.
Any information you share with us is kept secure and only shared with the retailer you are comfortable to switch to. You can read more about this in our privacy policy.

When working out how much you can afford, you will need to factor in additional costs that come with purchasing a property. These include:

Stamp duty
Legal fees
Building inspections
Strata fees
Council fees
Since a typical home loan lasts around 30 years, it is wise to factor in changes to your personal circumstances.

Your credit record has all the information of all the finances you have applied for and either been accepted or declined. It also details your financial information and gives you a score known as a ‘credit rating.’ If the rating is good, this means that you are low risk and that you are likely to pay back the loan. However, if you have a low credit rating, you present as a high risk and are seen to be unlikely to be able to pay the loan back.

Anything that is on your credit record, including any applications that you have not followed through with, remains on it for at least 5 years. Therefore, you should repay any loans or credit on time so that your record is not tarnished.
Having a good credit record may also help you to secure lower interest rates or increase your credit card limit.
No-one can access your credit report without your permission. If you choose to go ahead with a loan, the credit provider will ask you to consent.

A mortgage term is typically 30 years, during which time you will be expected to make regular monthly payments. However, by making additional payments, you can expect it to be a shorter period. This is because the more you pay, the less interest overall there is.

You could also choose to make repayments fortnightly or weekly which may reduce the amount of interest you are charged. It is best to check with your lender to see how they make calculations on your repayments.

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1300 786 045

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