Religare Home Loans

Home
Australia
Acacia Gardens, NSW
Religare Home Loans

Call Directions Website Contact the business

Free Home Loan Service. We do all legwork and find the best deal for client. So sit back and relax, Appointments at the time and place that is convenient to you.

Let us do the running around for you and we’ll find the loan that suits you best. No Cost Obligation Free Service. Call 0426223035
Email [email protected]

03/11/2026

Your First Home Loan Starts Here
Getting these 5 documents ready makes your application faster and smoother.

Save this post and message us when you're ready to start.

10/06/2026

Still saving for a 20% deposit? You may not need to.
The Australian Government's 5% Deposit Scheme lets first home buyers get in with just 5% — no LMI, no income caps, no waitlist.

I can help you check your eligibility and get pre-approved.
📅 Book a free 30-min call: calendly.com/religare/30min

12/04/2026

“The One Mortgage Move Most Homeowners Miss”

Most people sign a 30-year mortgage without fully understanding what it really costs.

If you borrow $400,000 at 6.5% over 30 years, your monthly repayment is about $2,528.

Over time, you’ll pay:

~$910,000 total

~$510,000 in interest

👉 That’s more in interest than the original loan.

---

Here’s the shift most people never make

The bank structure works in their favour:

Early repayments = mostly interest

Your principal reduces slowly at the start

But a small, consistent change flips this.

---

The strategy: Pay extra every month

Option 1: Add $200 per month

New repayment: ~$2,728/month

Loan term reduces to ~23.5–24 years

You save ~6 to 6.5 years

Interest saved: ~$140,000 – $160,000

---

Option 2: Add $400 per month

New repayment: ~$2,928/month

Loan term reduces to ~21.5–22 years

You save ~8 to 8.5 years

Interest saved: ~$180,000 – $210,000

---

Why this works

Extra repayments go directly toward your principal.

That means:

Your loan balance drops faster

Future interest is calculated on a smaller amount

You cut off years of compounding interest

👉 Small monthly changes = massive long-term impact

---

Critical detail (most people miss this)

Before doing this, confirm with your lender:

> Extra repayments must be applied to principal, not treated as future repayments.

If not structured correctly, you lose most of the benefit.

---

The real takeaway

You don’t need:

A refinance

A new loan product

A risky investment

👉 Just consistency.

$200/month extra = ~$150K saved + 6+ years earlier payoff

$400/month extra = ~$200K saved + ~8+ years earlier payoff

---

Bottom line

Most people focus on getting the loan approved.

Smart borrowers focus on how to eliminate it faster.

That’s where the real money is.

Reach us on 0426223035 for more details.

28/11/2025

🏡 Thinking about buying your first home (or getting back into home-ownership)?
The new 🇦🇺 Help to Buy Scheme may make it a lot easier — here’s why:
• Deposit from just 2% only
• Government covers 30% (existing homes) or 40% (new builds) of purchase price
• Lower loan amount → smaller monthly repayments
• No Lender’s Mortgage Insurance (LMI) required

✅ Who can apply? Australian citizens 18 +, earning ≤ A$100k (singles) or ≤ A$160k (couples/parents), and must live in the home.
🏠 Not available for investors — property must be principal residence.

⚠️ Important — government holds a share of equity. To own 100%, you’ll need to either:
▸ gradually buy back their share, or
▸ wait until you sell and settle the equity share then.

📌 Scheme expected to open Dec 2025 — and availability is limited (~10,000 places per year).

If you’re curious whether this scheme could work for you: let me know. I’ll be happy to walk you through eligibility, practical implications & whether it makes sense for your property goals.

27/11/2025

🌟 Another Happy Client! 🌟
We’re proud to be a trusted one-stop home loan partner for our clients—whether it’s investment property guidance, refinancing, equity release, or getting better rates.

A big thank you to Mayur for the wonderful feedback. Helping clients achieve financial confidence and property success is why we love what we do! 🏡💙

20/11/2025

Buying your first home is a milestone — and you deserve the right guidance at every step. Religare Home Loans helps first-time buyers with expert advice, flexible options, and personalised support.

Your future home starts with the right loan.

13/11/2025

Looking for a home loan partner you can trust?
At Religare Home Loans, we offer personalised service, expert advice, and a client-focused approach to help you secure your dream home with confidence.

We don’t just handle loans — we guide you through every step of the process.
Talk to us today and experience the Religare difference. 🏡✨

09/11/2025

✨ LMI Waiver Explained! ✨
When you buy a home with less than 20% deposit, you normally pay Lenders Mortgage Insurance (LMI).
But with Religare Home Loans, if you’re a high-income earner or from an eligible profession, you could have your LMI completely waived — saving you thousands of dollars!

✅ Low interest rates
✅ Quick approvals
✅ Expert guidance

📩 Message us today or visit religare.com.au to check if you qualify.

06/11/2025

💙 Who Are We?

We’re more than just home loan experts — we’re your partners in turning homeownership dreams into reality.

At Religare Home Loans, we simplify the lending process with transparency, care, and tailored solutions designed just for you.

Whether you’re buying your first home, refinancing, or investing — we’ll help you find the perfect loan fit.

💬 Talk to us today!
📞 0426 223 035
🌐 www.religare.com.au

03/11/2025

🏡 Dreaming of your first home? Let Religare Home Loans help you turn that dream into reality! 💭✨
📞 Call us today at 0426 223 035 or visit 🌐 www.religare.com.au

Address

Acacia Gardens, NSW
2766

Telephone

+61426223035

Website

https://religare.com.au/religare-home-loan/

Alerts

Be the first to know and let us send you an email when Religare Home Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.