Get in contact with us at loan easy today.
Getting a mortgage for your first home, second home or even other types of finances can be difficult. Our goal is to make it super easy.
First Home Buyers
Investment Loans
Refinance
The first step towards owning your own home is exciting and overwhelming. It’s natural you’ll have plenty of questions – that’s where we can help.
With so many finance providers offering different finance types, with varying structures and repayment options, finding the best loan is our mission.
With so many great offers available, now is an ideal time to shop around for a better value home loan with better features and better interest rates.
See how much your repayments will be with our Loan Easy Home Loan Repayment Calculator.
How we make getting a loan easy.
Getting a new loan can be tricky, with thousands of different options from hundreds of different lenders. We take the hassle out of getting a loan, some say we make it easy.
We take the hassle out of getting a loan
Getting a loan can be quite a hassle but, not with Loan Easy. We offer quick, and easy loan solutions that match your needs and your eligibility.
Team of Experts
With a team of experts, we offer capable and highly effective consultations that are better than being at the bank itself.
All the products at our fingertips
We access all the products across financial institutions, and let you choose the apt product for your needs
Business Loans
Low Doc Loans
Personal Loans
Business loans secured and unsecured for property purchase or cashflow.
Self-employed and can’t provide full financials, we can assist with Lo-doc or No-doc loans.
Consolidate debts, fund home improvements, need a new kitchen or just need cash out?
Access to these lenders and more
Are you a First Home Buyer?
Download our free first Home Buyers Guide for Free.
Our latest finance articles
Property Investment
Interest Only term about to expire?
Home Ownership
How to enter the property market with a small deposit
Refinancing
What are the benefits of refinancing?
If you’re currently paying interest-only on your home loan, at some point in the future it will expire and you’ll be required to pay off both principal and interest. This article explains everything you need to know:
With the steady rise in house prices we’ve seen over the past decades, many new home buyers and investors are wondering how they can get their foot on the ladder.
When you refinance, you’re effectively replacing your existing home loan with a more suitable option, either by changing products or moving to a different lender.
Frequently asked questions
-
Applying for a home loan with Loan Easy is simple. Just fill out an online enquiry and you will contacted by one of the Loan Easy team.
-
Check out our Home Loans repayment calculator to get an estimate of how much repayments may be.
For a more accurate estimate, we will need to complete an application to review all your information. We can even arrange a home loan pre-approval to give you the confidence you need to bid at an auction.
The minimum and maximum loan amount varies by product and lender, contact us for more details.
-
In most cases the team at Loan Easy will be able to give you a conditional approval within 48 hours. How quickly you get full approval depends on how quickly you are able to provide the necessary documentation to support your application. The most common causes of a delayed approval are normally the simplest – Unreadable Identification, missed signature etc.
Contact us today for assistance with the application process.
-
Lender’s Mortgage Insurance, as the name states, is insurance that protects the Lender not you as the borrower.
Lender’s Mortgage Insurance (LMI) is a one off fee that normally applies to loans where the customer is borrowing more than 80% of the purchase price. LMI is scaled depending on the percentage you need to borrow (between 80 – 95%) and the amount of the loan (ie, $450,000).
LMI can start from $6000 and range up to over 5% % of the loan amount. You have two options to pay this fee. Some lenders allow you to capitalise the cost of your LMI, meaning that they will add this figure to your loan amount.
For example, if you are borrowing $450,000, your LMI may work out to be around $6000. You would actually increase your loan amount to now borrow $456,000 ($450,000 + $6,000).
-
The Stamp Duty payable on your new property depends on a number of factors including which state you purchase in, whether or not you are a First Home Buyer and whether or not you are going to live in the property or rent it out for investment.
To find out exact amounts please contact us to discuss your loan requirements.
-
Depending on your circumstances and the home loan you have applied for, you will generally need to supply the following;
- Evidence of income – most recent payslips or letter from employer detailing conditions and most recent group certificate.
- Completed and signed Reduce Home Loans Application Form
- Certified coloured copy of your driver’s licence.
- First Home Owner Grant application (Required for First Home Buyers only).
- Signed copy of Contract of Sale (Required for Purchase only).
- 6 months home loan statements (Required for Refinance only).
- Rates Notice for existing property used as security (Required for Refinance/Equity Releases only).
- Copy of last 3 months’ loan statements for any loan to be paid out (Required for Loan Consolidation only)
Please note: we may require additional documentation depending on your circumstances.
Tools and Resources
Contact Us
© Loan Easy 2022 | The licensing statement Credit Representative Number 524027 is authorised under Australian Credit License Number 384704 | Disclaimer – Your full financial situation will need to be reviewed prior to acceptance of any offer or product
First Home Buyers
The first step towards owning your own home is exciting and overwhelming. It’s natural you’ll have plenty of questions – that’s where we can help.
Refinance
With so many great offers available, now is an ideal time to shop around for a better value home loan with better features and better interest rates.
Investment Loans
With so many finance providers offering different finance types, with varying structures and repayment options, finding the best loan is our mission.
See how much your repayments will be with our Loan Easy Home Loan Repayment Calculator.
How we make getting a loan easy.
Getting a new loan can be tricky, with thousands of different options from hundreds of different lenders. We take the hassle out of getting a loan, some say we make it easy.
We take the hassle out of getting a loan
Getting a loan can be quite a hassle but, not with Loan Easy. We offer quick, and easy loan solutions that match your needs and your eligibility.
Team of Experts
With a team of experts, we offer capable and highly effective consultations that are better than being at the bank itself.
All the products at our fingertips
We access all the products across financial institutions, and let you choose the apt product for your needs
Business Loans
Business loans secured and unsecured for property purchase or cashflow.
Low Doc Loans
Self-employed and can’t provide full financials, we can assist with Lo-doc or No-doc loans.
Personal & Car Loans
Consolidate debts, fund home improvements, need a new kitchen or just need cash out?
Access to these lenders and more
Our latest finance articles
Property Investment
Interest Only term about to expire?
If you’re currently paying interest-only on your home loan, at some point in the future it will expire and you’ll be required to pay off both principal and interest. This article explains everything you need to know:
Home Ownership
How to enter the property market with a small deposit
With the steady rise in house prices we’ve seen over the past decades, many new home buyers and investors are wondering how they can get their foot on the ladder.
Refinancing
What are the benefits of refinancing?
When you refinance, you’re effectively replacing your existing home loan with a more suitable option, either by changing products or moving to a different lender.
Frequently asked questions
-
Applying for a home loan with Loan Easy is simple. Just fill out an online enquiry and you will contacted by one of the Loan Easy team.
-
Check out our Home Loans repayment calculator to get an estimate of how much repayments may be.
For a more accurate estimate, we will need to complete an application to review all your information. We can even arrange a home loan pre-approval to give you the confidence you need to bid at an auction.
The minimum and maximum loan amount varies by product and lender, contact us for more details.
-
In most cases the team at Loan Easy will be able to give you a conditional approval within 48 hours. How quickly you get full approval depends on how quickly you are able to provide the necessary documentation to support your application. The most common causes of a delayed approval are normally the simplest – Unreadable Identification, missed signature etc.
Contact us today for assistance with the application process.
-
Lender’s Mortgage Insurance, as the name states, is insurance that protects the Lender not you as the borrower.
Lender’s Mortgage Insurance (LMI) is a one off fee that normally applies to loans where the customer is borrowing more than 80% of the purchase price. LMI is scaled depending on the percentage you need to borrow (between 80 – 95%) and the amount of the loan (ie, $450,000).
LMI can start from $6000 and range up to over 5% % of the loan amount. You have two options to pay this fee. Some lenders allow you to capitalise the cost of your LMI, meaning that they will add this figure to your loan amount.
For example, if you are borrowing $450,000, your LMI may work out to be around $6000. You would actually increase your loan amount to now borrow $456,000 ($450,000 + $6,000).
-
The Stamp Duty payable on your new property depends on a number of factors including which state you purchase in, whether or not you are a First Home Buyer and whether or not you are going to live in the property or rent it out for investment.
To find out exact amounts please contact us to discuss your loan requirements.
-
Depending on your circumstances and the home loan you have applied for, you will generally need to supply the following;
- Evidence of income – most recent payslips or letter from employer detailing conditions and most recent group certificate.
- Completed and signed Reduce Home Loans Application Form
- Certified coloured copy of your driver’s licence.
- First Home Owner Grant application (Required for First Home Buyers only).
- Signed copy of Contract of Sale (Required for Purchase only).
- 6 months home loan statements (Required for Refinance only).
- Rates Notice for existing property used as security (Required for Refinance/Equity Releases only).
- Copy of last 3 months’ loan statements for any loan to be paid out (Required for Loan Consolidation only)
Please note: we may require additional documentation depending on your circumstances.
Services
Tools and Resources
Contact Us
© Loan Easy 2022 | The licensing statement Credit Representative Number 524027 is authorised under Australian Credit License Number 384704 | Disclaimer – Your full financial situation will need to be reviewed prior to acceptance of any offer or product