Best Bank Home Loans

Finding the best bank home loans in Australia is a goal oriented project where actual loan requirements, clients profile, type and location of property, documentation and available deposit will determine final outcome. All banks are best banks for certain type of loan proposals. Clients need professional advice for this reason when their actual goal is to find the best deal available for them on the market. Interest rate is always create a benchmark for us to classify our 34 panel lenders to find the best bank home loans for a specific client in specific financial situation. We always give priority to the stability of interest rate with historical data analysis other than making a quick selection from banks temporary offers for marketing. We always advice client not to moved by emotion for Major banks or own bank where any decision related to loan involve money that people earn with hard work. We help the client to find the best bank home loans with higher probability of approval and lowest cost for interest and lending. For certain type of home loans private banks offer better deals depending on the loan requirements of the client. So it will come down to the fact that how many banks you have on your panel to compare and how intense is your analysis to find the best bank home loans. We request please submit an inquiry to commence a free assessment process to find the best bank home loans for you.

The finance group have achieved 99% approval rates for any type of mortgages in past 7 years record because:

  1. We do a complete pre-assesment of the loan application to find best possible options for the client.
  2. We obtain all related veda reports and property reports upfront to safe guard the approval of the loan.
  3. We have access to all popular lenders in mortgage industry including 10 private lenders to assist the client with their loan requirements.
  4. We have created strong relation with our lenders through approval of our loans in pas years.

best bank home loans can be a very easy process if you have clear idea about lending policy and if you are aware what you are eligible for. Shopping for loan can create adverse record on your credit history and restrict you to obtain finance in future. We strongly recommend to have a professional advice to find best bank home loans.


Best Bank home loan indicative offers:

All home rates quoted bellow are subject to changed by lender. To find the appropriate quote for home loan investment please submit an inquiry to commence a free assessment process. All costs quoted are estimation only.

Interest rate

Bank loans Full doc: 3 years fixed rate from 4.83% up to 80% loan
variable rate is from 5.09% with up to 1.1% discount for life of loan.
Bank loan Low doc: 3 years fixed rate from 4.99%
variable rate from 5.19%
Private bank loan : starts from 6.5% and change depending on full doc and low doc loan, rate increase for higher LVR and degree of credit impairment.
Please submit an inquiry to know current rate for best bank home loans.


Standard Residential properties in any populous areas. Depending on lenders postcode guide different lender categories property locations in different way and allocate maximum LVR for the location.
Vacant land is acceptable for eligible borrowers only, depending on location of the property.
Please submit an inquiry to know maximum LVR available for your property location

Full Doc/Low Doc/ Acc-Letter

  • Full doc- 95% LVR subject to LMI over 80% loans
  • Low doc-90% LVR subject to risk fee. ABN 6 months minimum.
  • Low doc-80% LVR Subject to LMI over 60%-70% Bank Loan ABN 12-24 months.
  • No doc- 85% LVR subject to risk fee 12 months ABN accountant letter.

Maximum Loan amount

Maximum Loan per security:

  • Loan involve LMI low doc or full doc- $1mil
  • unlimited where no LMi involve.
  • Loan involve risk fee low doc- $1.5 mil <=75% LVR $1mil 90% LVR.
  • Lona involve risk fee no doc- $1.5 mil <=75% LVR $1mil 85% LVR.
  • Maximum loan per applicant $2.5 mil where bank loan can be

Minimum Loan amount

$50,000- $100,000 depending on lender.

Credit history

  • Up to $1000 paid default can be ignored for eligible bank loans.
  • 1 day bankruptcy considered with LVR restrictions.
  • Paid defaults up to $750-$1000 ignored for non bank loans
  • Defaults listed >2 years not counted for rate load
  • Mortgage arrears count if not paid in 30 days.
  • Past 12 months credit inquires need to be explained.
  • All defaults and arrears need to be with acceptable explanation.

Depending on above lender assign impairment level and offer interest rate and maximum loan available.

Loan Term

2-30 years

Repayment options

P&I or IO up to 10 years

Lenders Application fee

For bank loan fee can be up to $600 or more.
For non bank loans application fees is included on the risk fee


  • Full doc over 80% bank loans
  • Low doc over 60%-70% bank loans
  • No non bank loans involve LMI

Risk Fee

1%-2.1% or the loan amount depending on lender, LVR and degree of credit impairment.

Our Brokerage

Negotiable depending on amount of loan, amount of work and complex nature of loan requirements.

Other costs

  • For bank loans we account up to $3000 other cost that vary sometimes.
  • Other costs for private bank loans are quoted to client at cost by the lender. Legal cost, mortgage registration, documentation fees, title insurance, settlement fees altogether allow up to $3000-$4000 depending on the lender and current government rates.
  • Most of above we disclose on our credit quote after selecting the lender.
  • Some of the above are not ascertainable until the settlement agent quote for the costs.

Proof of Income

Full doc loans 2 years full financials with tax returns are mandatory. Notice of assessment is not required for some lenders.
Low doc bank loans 12 consecutive months BAS's is mandatory, recent 6 months trading statements may be required.
Low doc private bank loans 3-6 months trading account statement is mandatory.
No doc home loans only accountant declaration and borrower's repayment declaration required.

Other supporting documents

Mandatory for all applicants:

  1. 100 point ID is mandatory for all applicants and guarantors for the loan.
  2. Asset and liability for need to be signed by all applicants.
  3. Most up to date council rates need to be provided for all properties.


  1. Most recent 6 months mortgage statements for all mortgages being refinanced.
  2. Most recent statements for other mortgages.

Debt consolidation:
If any other loans are consolidating client need to provide up to 6 months statement for secured or unsecured debts depending on the lender.
Lender may ask for extra documents during the assessment process depending on the strength of the application.
Please submit an inquiry to commence free assessment for your best bank home loans.


Lenders operate independent valuation of the offered security. Bank loans usually offer first valuation for free. For non bank loans valuation is done at cost quoted to the client.
Upfront valuation is also available at client cost.

More about Best bank home loans:

We accept up to $1000 paid defaults for home loans bad credit bank loan applications. If you have more than 1 defaults or the amount is more than $1000 we suggest please contact us to get a tailored solution for your loan. For bank home loans for any acceptable purpose we offer up to 70% low doc loans without LMI. We have up to 95% refinance options full doc basis with LMI. Purchase, refinance, cash out, debt consolidation paying off business debts, refinancing low doc home loans, full doc or low doc construction home loans available through bank loans. As we have access to all traditional lenders in Australia we can offer solutions for clients with critical financial situation or complex loan requirements. Clients with bad credit history always prefer to have professional advice to have best possible loan options for them other than shopping around and making the credit history even worst to obtain a bank loan any more.

We believe everyone deserves to get a second chance. Some times things go beyond their control for painful separation, poor financial decision, job loss, illness and other unfortunate events of their life. We assist the client understanding their actual fact and help them to resolve their problem sooner.

We help client to select appropriate loan structure according to their need. Depending on historical interest rate analysis we determine the proposed lender and also offer the client a proper combinations of Fixed rate and variable rate loans that they can save money on interest and free up cash.
Click here to read more about bank loans to find best bank home loans.

Click here to submit an inquiry to commence free assessment process for best bank home loans.