It’s a financial professional that works for you during the home loan process. State Home Loan Centre specialises in offering a wide range of home loan choices to get the best value on their home loan. To get the best services in Australia, the state home loan centre helps first-time buyers, refinances, company owners, developers, and individuals seeking credit lines.

We develop a close relationship with several leading Australian banks and lenders at the state home loan centre. Therefore, we offer a better chance for clients to find the most attractive and suitable loan based on their needs.

There’s no guarantee that you’re getting the best deal with a bank, but with the broker, you can compare it with a competitor and get multiple options. A mortgage broker offer simplification of the home loan process more than a bank offers.

Yes, the state home loan centre holds an Australian Credit License as needed under the National customer credit production act. We have a financial team that maintains the highest standard of training and compliance with government regulations.

It’s a common misconception that mortgage broker offers unsuitable loans for clients to maximise incentives. We recommend the best suitable loan and help you decide which works best for you. We do hold an ACL license. Therefore, there’s no chance to offer an unsuitable loan.

If you’re looking to get an estimate to know your borrowing capacity, the simple answer is to use our handy online calculator to get a better idea.

It’s not necessary, as it mainly depends on the overall strength of your financial positions, which includes assets, expenses, income, and the size of your deposit. Also, the guarantor is additional security that we ask for using the equity in a property that they own as security.

State home loan centre typically calculate the interest on home loans at the end of each day. We add your daily interest charges for each day of the month. The monthly interest amount is usually used on the bank statement.

One can apply for a first home buyer loan by talking to our professional broker. We assist you with all your queries and provide a suitable home loan.

Before you choose a home loan, you need to know how much potential amount you can borrow from a lender, know the purpose of the loan, check repayment options, type of interest rate, types of fees attached to the loan. At the state home loan centre, you get the best reasonable rates with easy to apply for loans.

You’ll need identification documents, proof of income, financial assets, expenses and liabilities etc. Check our home loan information page to get a clear idea.

Yes, you can split the home loan to use both fixed and variable rates. As variable rate tends to offer more flexibility and more features like redraw facilities and the ability to make extra payments. While fixed-rate loan typically does not. Please connect with our team or mail us to discuss your requirements.

As always, do the research, keep an eye on current market loans, the economic environment and your family needs. Check whether your existing loan is doing right for you or request the best offer available for you.