Home Loans 360

Home Loans 360 Home Loans 360 is one of Australia's largest online mortgage providers. This is our passion. Home Loans 360 is an online mortgage broker firm in St Ives, NSW.

We innovate home loan products to not only bring you extremely low and competitive interest rates but provide an exceptionally personalised service. We offer home loans, first home buyers mortgages, investment loans, development loans, asset finance, refinancing, equipment finance, mortgages, debt consolidation, home equity release, mortgage top-ups, land & construction loans, & renovation loans w

ith the lowest rates. We provide owner occupied loans and investment loans. Whether you want a variable rate, fixed rate or split facility we have you covered .We service clients from all over Australia but also from St Ives, Killara, Pymble, Wahroonga, Turramurra, Davidson, Belrose, Lindfield, East Lindfield, Roseville, Chatswood & all over Sydney's North Shore. For the best online mortgage provider in St Ives, look no further.

01/10/2021
Looking to lock in some certainty with your home loan ? ๐Ÿ”’ ๐Ÿ’ฐCheck out our latest owner occupied fixed rates!
06/09/2021

Looking to lock in some certainty with your home loan ? ๐Ÿ”’ ๐Ÿ’ฐ

Check out our latest owner occupied fixed rates!

The increasing demand for home loans has resulted in an increase in lenders offering cashback to those who refinance the...
03/09/2021

The increasing demand for home loans has resulted in an increase in lenders offering cashback to those who refinance their mortgage. Cashbacks are quite attractive, typically ranging anywhere between $1,500 and $4,000 per loan.

Lenders use this as a marketing ploy to incentivise borrowers to refinance to their loan product, often at a slightly higher interest rate.

As a borrower it is important to weigh up the short-term cash back reward, at a higher interest rate, vs the long-term cash saving in refinancing at a lower interest rate. Often It is the later that will result in far greater savings.

Life is all about the simple things ๐Ÿ˜‚Contact us today so we can help simplify your home loan!
14/08/2021

Life is all about the simple things ๐Ÿ˜‚

Contact us today so we can help simplify your home loan!

Thinking about everyone experiencing tough times at the moment.Head up, move forward and control the controllable.๐Ÿ™Œ
29/07/2021

Thinking about everyone experiencing tough times at the moment.

Head up, move forward and control the controllable.๐Ÿ™Œ

Looking to build or renovate your dream home?Ask our mortgage specialist today about our construction loans and how we c...
24/07/2021

Looking to build or renovate your dream home?

Ask our mortgage specialist today about our construction loans and how we can help!

Sneak peak of our latest Variable home loan rates!- No upfront fees- No ongoing fees- 100% offsetContact one of our mort...
21/07/2021

Sneak peak of our latest Variable home loan rates!
- No upfront fees
- No ongoing fees
- 100% offset

Contact one of our mortgage experts to see how we can help !

๐—ฃ๐—ฟ๐—ฒ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ ๐˜ƒ๐˜€ ๐—ฃ๐—ฟ๐—ฒ ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑMost people have probably heard of both terms and in some instances used them interchangeab...
18/07/2021

๐—ฃ๐—ฟ๐—ฒ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ ๐˜ƒ๐˜€ ๐—ฃ๐—ฟ๐—ฒ ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐—ฑ
Most people have probably heard of both terms and in some instances used them interchangeably. However, there are important differences that every home buyer should understand as these are two key steps in the mortgage application process.

๐—ฃ๐—ฟ๐—ฒ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฐ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ผ๐—ฟ ๐˜€๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ๐—ฎ๐—ฏ๐—ถ๐—น๐—ถ๐˜๐˜† ๐—ฐ๐—ต๐—ฒ๐—ฐ๐—ธ
This involves the borrower providing an overview of their current financial situation including debts, expenses, income and assets to a lender or broker. The lender/ broker will then give an estimate as to how much the borrower can expect to receive. The process is often quick and plays a key role when it comes to making an offer or understanding how much you can borrow to determine your price range. It is important to note that it does not carry the same certainty as a Pre approval considering it is dependent on the information provided to the lender which may not be accurate.

๐—ฃ๐—ฟ๐—ฒ ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฎ๐—น
Pre approval is an official mortgage application that will then undergo an extensive credit and financial background check. The pre approval process typically takes up to 10 days. Once finalised the lender will then offer a pre approval up to a specified amount and is typically valid for 90 days.

Want to know how much you can borrow? Enquire today for a free serviceability check!

๐—œ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฎ๐˜ ๐—ฎ๐—ป ๐—ฎ๐—น๐—น ๐˜๐—ถ๐—บ๐—ฒ ๐—น๐—ผ๐˜„ ๐—ฏ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐˜๐˜‚๐—ฐ๐—ธ ๐—ถ๐—ป ๐—ฎ ๐—ณ๐—ถ๐˜…๐—ฒ๐—ฑ ๐—ฟ๐—ฎ๐˜๐—ฒ?Fixed rate home loans provide a great sense of certaint...
13/07/2021

๐—œ๐—ป๐˜๐—ฒ๐—ฟ๐—ฒ๐˜€๐˜ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฎ๐˜ ๐—ฎ๐—ป ๐—ฎ๐—น๐—น ๐˜๐—ถ๐—บ๐—ฒ ๐—น๐—ผ๐˜„ ๐—ฏ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚๐—ฟ ๐˜€๐˜๐˜‚๐—ฐ๐—ธ ๐—ถ๐—ป ๐—ฎ ๐—ณ๐—ถ๐˜…๐—ฒ๐—ฑ ๐—ฟ๐—ฎ๐˜๐—ฒ?
Fixed rate home loans provide a great sense of certainty allowing borrowers to lock in a rate for a fixed period of time. A fixed rate home loan allows you to organise your budget and stay on top of constant repayments. More importantly, in the event of a sudden rate hike you will remain unaffected allowing you to save big.

๐—•๐˜‚๐˜ ๐˜„๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐˜€ ๐—ถ๐—ณ ๐—ฟ๐—ฎ๐˜๐—ฒ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ๐—ฒ๐—ฑ?
Often interest rates will fluctuate and you may get stuck at a higher rate than industry average when rates fall. This can be incredibly frustrating.

๐—ช๐—ต๐—ฎ๐˜ ๐—ฐ๐—ฎ๐—ป ๐˜†๐—ผ๐˜‚ ๐—ฑ๐—ผ?
Contact your lender and request a quote to break your loan inclusive of the early repayment cost.

If the differences in the average interest rate and that you are โ€œstuckโ€ with are significant you may want to consider breaking a fixed home loan by:
- Refinancing your home loan product with the same/ or different lender
- Make extra repayments in excess of an accepted amount
- Repay the loan in full before the end of fixed rate period

You will need to pay two fees when you break the loan.
1. Break fee ( calculated based on interest rate your locked into, how much time remains on your fixed rate term and the loan amount initially borrowed)
2. Discharge fee (fee set by each lender)

You may find that the savings of refinancing your existing fixed rate to a lower interest rate will offset the immediate breakage cost and maximise long term savings.

Despite the recent lockdown we are still operating and in full swing. We have implemented all the necessary COVID-19 pro...
29/06/2021

Despite the recent lockdown we are still operating and in full swing.

We have implemented all the necessary COVID-19 protocols within our day to day operations ๐Ÿ˜ท ๐Ÿฆ 

Our investment variable loans have been hot property! Get in touch with us today to see how much we can save you on your...
15/05/2021

Our investment variable loans have been hot property!

Get in touch with us today to see how much we can save you on your loan!

Address

St Ives Chase, NSW
2075

Opening Hours

Monday 12am - 11:59pm
Tuesday 12am - 11:59pm
Wednesday 12am - 11:59pm
Thursday 12am - 11:59pm
Friday 12am - 11:59pm
Saturday 12am - 11:59pm
Sunday 12am - 11:59pm

Telephone

+611300048115

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