A Wealth of Advice

Home Loans

The Property Ladder Starts Here

At Anne Street Partners Home Loans we aim to make one of the biggest purchases in your life effortless. With over $1.3 billion of loans transacted with Anne Street Partners, we have made property ownership simpler for thousands of Australians.

It’s our depth of market knowledge and understanding that allows us to work on your behalf. We negotiate with over 20 lending providers directly, enabling us to offer you a competitive property loan that suits your circumstances.

We Work for You

Most of us look to our regular banking provider to offer a home loan. While this can be an easy solution, at Anne Street Partners we act as your home loan broker, doing the leg work for you and considering a range of solutions.

We know the market – through our partnership with over 20 loan providers we can find you a competitive loan that suits you.

We’ve got the experience – our team of experienced finance managers will be able to make recommendations about loan time frames, lenders mortgage insurance, lender requirements and the loan structure itself.

First time buyer – we pride ourselves on helping Australians obtain their very first home loan. We’re here to help you with applying for the correct Government grant for your state, assist you with the application process, offer advice on the most suitable loan structure and be there to help answer any questions you may have.

Refinancing – loan providers are becoming increasingly competitive, which enables us to continually look to the market to get you a more competitive loan rate.

Our finance specialists can help get a home loan that suits your unique requirements

Helping You Make a Better Choice

You hear it all the time – doing your research on your loan rate can save you thousands. There’s a little more to it but fundamentally, like anything that involves significant levels of capital borrowings, you don’t want to end up paying more than you have to. Our finance specialists follow a rigorous process when they make a loan recommendation. They consider a broad range of important elements.

The loan structure  – including Variable Rate Loan, Fixed Rate Loan, Split Loan, Line of Credit Loans and more, to suit your circumstances.

Lenders Mortgage Insurance (LMI) – a common form of insurance that a lender may request when the loan amount exceeds 80% of the property value. Anne Street Partners can help you structure a loan to minimise LMI for instances where this is required.

Offset Account – this structure can potentially help you save thousands off your home loan. It works by offsetting the money daily in your account against your loan balance. This reduces the mortgage interest. Your finance specialist can help you devise a loan that utilises an offset structure.

Line of Credit / Equity Line loans – lines of credit are similar to having a big cheque book, but with interest accruing on the balance. A line of credit or equity line, as they are sometimes called, is an approved limit of borrowings that you can use at any given time.

Home loan redraw facility – this structure can help to reduce your home loan time frame without locking up all of your savings. A redraw facility allows money to be withdrawn from the amount that has been contributed to the loan. There’s certain instances where operating this type of loan structure can help save time and money from a home loan.

Principal and Interest & Interest only loans – dependent on your objectives, you might choose to pay the interest only on your home loan. There are some circumstances where this structure works well and your home loans specialist will be able to guide you through the right format for you.

Family Pledge / Security Guarantor – your family might be in a position where they’re happy to help you buy a home without providing the money for a deposit. In this instance they simply provide the lender with a guarantee in the form of their home equity as additional security for a portion of the loan amount. Your finance specialist will be able to guide you through this process.

No matter what your circumstances may be, your Anne Street Partners finance specialist will be on-hand to provide you with the advice and guidance that can make a world of difference to your property purchase.

Talk to us today about getting a home and investment property loan that will work for you.

Fact Sheets

Arrange your complimentary 45 minute initial consultation today.

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