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Hi {{ reportData.firstName }},



Thank you for your enquiry. Please find below your free home loan report.



Thank you for your enquiry. Please find below your free property and home loan report.

As you are considering your mortgage options, {{ reportData.brokerFullName }} from {{ reportData.brokerCompanyName }} will be in contact with you shortly to discuss your property and home loan requirements. Should you have any immediate queries, please contact them directly.


Thank you for your enquiry. Please find below your free property and home loan report.

A home loan professional from {{ reportData.brokerCompanyName }} will be in contact with you shortly to discuss your requirements and home loan options that may best suit you.

Your local home loan professional

Your local home loan professional

{{ reportData.brokerFullName }}

This home loan report enables you to:

1. Calculate your potential borrowing capacity and repayments.

2. Find out stamp duty, other fees & required loan amount.

3. Get in touch with your local home loan professional to discuss products and rates that may suit you.

Home loan calculations

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{{ reportData.brokerFullName }} will contact you to verify your borrowing capacity as this may vary.

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Click Here for Important Information
  • Borrowing Capacity is calculated based on the information you submitted, the lowest featured basic variable rate below as of today and a loan term of 30 years. This result is a guide and does not relate to any specific lender.
  • Deposit of 10% has been used in the calculations, however this may vary between lenders and the amount borrowed. Please note that should the Loan to Value Ratio (LVR) be greater than 80%, Lenders Mortgage Insurance (LMI) may apply. LMI cost varies between lenders. Your home loan professional will be able to discuss if this will impact you and your loan.

  • Potential New Loan is calculated based on your property’s value today less your deposit of 10% on the new loan. Potential New Loan may include LMI if your LVR is greater than 80%. LMI cost varies between lenders. 

    • Should this amount be less than the Required Loan, you may not be able to refinance your existing loan.

    • Should this amount be greater than your Borrowing Capacity then you may not be able to borrow this full amount.

  • Required Loan is the outstanding balance on your current home loan. Should this amount be greater than your Borrowing Capacity then you may not be able to refinance your existing loan. Required Loan may include LMI if your LVR is greater than 80%. LMI cost varies between lenders. 

        Please see full Disclaimer here.

  • Borrowing Capacity is calculated based on the information you submitted, the lowest featured basic variable rate below as of today and a loan term of 30 years. This result is a guide and does not relate to any specific lender.
  • Stamp Duty, payable to the State Government, is calculated based on the value of the property and the state in which the property is located. This is subject to change at any time.  
  • Upfront Fees include estimate conveyancing and bank fees. These numbers are indicative and may vary between providers.
  • Deposit of 10% has been used in the calculations, however this may vary between lenders and the amount borrowed. Please note that should the Loan to Value Ratio (LVR) be greater than 80%, Lenders Mortgage Insurance (LMI) may apply. LMI cost varies between lenders. Your home loan professional will be able to discuss if this will impact you and your loan.
  • Should Your Funds Available be lower than the Total Initial Funds Required, you may need additional funds to purchase this property.
  • The Required Loan is how much you may need to borrow based on your funds available and the property value you provided. Should this amount be greater than your Borrowing Capacity, then you may not be able to borrow the full amount required. Required Loan may include LMI if your LVR is greater than 80%. LMI cost varies between lenders. 

        Please see full Disclaimer here.

  • Borrowing Capacity is calculated based on the information you submitted, the lowest featured basic variable rate below as of today and a loan term of 30 years. This result is a guide and does not relate to any specific lender.
  • Stamp Duty, payable to the State Government, is calculated based on the value of the property and the state in which the property is located. This is subject to change at any time.  
  • Upfront Fees include estimate conveyancing and bank fees. These numbers are indicative and may vary between providers.
  • Deposit of 10% has been used in the calculations, however this may vary between lenders and the amount borrowed. Please note that should the Loan to Value Ratio (LVR) be greater than 80%, Lenders Mortgage Insurance (LMI) may apply. LMI cost varies between lenders. Your home loan professional will be able to discuss if this will impact you and your loan.
  • Should Your Funds Available be lower than the Total Initial Funds Required, you may need additional funds to purchase this property.
  • The Required Loan is how much you may need to borrow based on the initial funds required to purchase this property and the property value you provided. Should this amount be greater than your Borrowing Capacity, then you may not be able to borrow the full amount required. Required Loan may include LMI if your LVR is greater than 80%. LMI cost varies between lenders. 

        Please see full Disclaimer here.

How your deposit can impact your repayment:

%
Deposit
Required loan
LMI
{{ reportData.brokerCompanyName=='Reduce Home Loans' ? 'Interest' : (rateType == 1 ? "Variable" : "Interest") }} rate
%p.a.
Weekly repayments
{{ row.percent }}%
{{ (reportData.propertyValue * row.percent / 100) | noFractionCurrency }}
{{ (reportData.propertyValue + (row.percent >= 20 ? 0 : row.lmi) - reportData.propertyValue * row.percent / 100) | noFractionCurrency }}
{{ row.lmi | noFractionCurrency }}
{{ bestRate.interestRate | number:2 }}%p.a.
{{ calculateRepayment(reportData.propertyValue + (row.percent > 20 ? 0 : row.lmi) - reportData.propertyValue * row.percent / 100, 30, bestRate.interestRate, 'weekly') | noFractionCurrency }}

Monthly repayments are based on your property value and a 30 year loan term. Weekly repayments are based on your property value, principal and interest repayments and a 30 year loan term. The repayments in the table should be used as a sample only and is based on the interest rate displayed in the table, your actual repayments may differ depending on the interest rate and your loan amount. 

Please see full Disclaimer here.

Monthly repayments are based on your property value and a 30 year loan term. Weekly repayments are based on your property value, principal and interest repayments and a 30 year loan term. The repayments in the table should be used as a sample only and is based on the interest rate displayed in the table, your actual repayments may differ depending on the interest rate and your loan amount. 

Please see full Disclaimer here.


This communication is not an offer of credit. This information is based on a principal and interest home loan for owner-occupied of $250,000 with 80 per cent loan value ratio over a term of 30 years, fees that may apply (such as establishment, ongoing, valuation, lender’s mortgage insurance and government charges etc) are not included. Subject to credit assessment and individual lenders’ criteria. Rates as at 24 April 2017 and subject to change. For more information about how to get the best deal on your home loan it is recommended that you visit the ASIC consumer website www.moneysmart.gov.au.

This information is issued by QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence Number 238274) which is ultimately owned by the QSuper Board (ABN 32 125 059 006) as trustee for the QSuper Fund (ABN 60 905 115 063). QInvest is a separate legal entity responsible for the financial services and credit services it provides. Advice fees apply. Unless we let you know otherwise, all products are issued by the QSuper Board as trustee for the QSuper Fund. When we say “we”, “us”, “our” or “QSuper”, we’re talking about the QSuper Board or QInvest Limited, unless the context we’re using it in suggests otherwise.

We've put this information together as general information only so keep in mind that it doesn't take into account your personal objectives, financial situation, or needs. You can download a copy of the QInvest's Credit Guide at qinvest.com.au. or call us on 1300 360 750 and ask for a copy. Before you make any decision to acquire a product, or to keep hold of one you already have – you should download a copy of the product disclosure statement or call us on 1300 360 750 and ask for a copy.

The credit services advertised are provided by QInvest Limited. QSuper doesn’t receive any direct payments or commissions from QInvest Limited as a result of members using the LoanFinder service. You should make your own decision about how suitable this service is for your individual needs.

Your local home loan professional will contact you to discuss products and rates that may suit you

About {{ reportData.brokerFullName }}

Choice Home Loans is the national innovator in providing mortgage services and creating home loan solutions for people around Australia. We have won multiple Australian Mortgage Awards because of our commitment to excellent customer service, professionalism, reliability, integrity and for having the most positive impact on the industry as a whole.

Choice consultants have been helping people live their dream of home ownership and ensuring they have the loan to suit their needs for over 9 years. No more meeting with the banks. Instead you can have your own professional guide to help untangle the mortgage companies maze, accessing over 30 home loan banks and lending institutions.  Your choice consultant will listen to your needs and help you choose the loan that suits you best. They will explain all about mortgage reduction strategies, how to achieve a low interest payment and how you can reduce or eliminate fees.  Buying a home or investment property should be one of the most rewarding, exciting moments in your life, and your choice consultant is committed to help you achieve these goals.

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Property price estimate

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Estimated value range based on realestate.com.au data

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{{reportData.avmConfidence}} confidence estimate

Learn more about this estimated value

Click here to find out the exact value from realestate.com.au

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realestate.com.au

An ‘estimated value’ is a computer generated price calculated and supplied monthly by Hometrack Australia using automated statistical models based on available local property data, including the type of property, recent sales and local price trends. It is not a price prediction and is only used as an indication of the potential value of a property. The ‘estimated value’ is current at the time of publication and should not be relied upon as an accurate representation of the market value of a property. realestate.com.au Pty Ltd makes no warranty as to the accuracy or reliability of the information contained in the ‘estimated value’ and realestate.com.au and its related entities, directors, officers and agents disclaim all liability and responsibility for any direct or indirect loss or damage which may be suffered by the recipient through relying on anything contained in or omitted from an ‘estimated value’.

We encourage homeowners and property seekers to supplement this information with an appraisal from a local real estate agent.

Australian Capital Territory Data: The Territory Data is the property of the Australian Capital Territory. No part of it may in any form or by any means (electronic, mechanical, microcopying, photocopying, recording or otherwise) be reproduced, stored in a retrieval system or transmitted without prior written permission. Enquiries should be directed to: Director, Customer Services ACT Planning and Land Authority GPO Box 1908 Canberra ACT 2601.

New South Wales Data: Property sales information provided by Property NSW from globe.six.nsw.gov.au under a Creative Commons Attribution 4.0 licence.

Queensland Data: Based on or contains data provided by the State of Queensland (Department of Natural Resources and Mines) 2017. In consideration of the State permitting use of this data you acknowledge and agree that the State gives no warranty in relation to the data (including accuracy, reliability, completeness, currency or suitability) and accepts no liability (including without limitation, liability in negligence) for any loss, damage or costs (including consequential damage) relating to any use of the data. Data must not be used for direct marketing or be used in breach of the privacy laws.

South Australian Data: For any published aggregated statistical information derived from the Government Data:

This information is based on data supplied by the South Australian Government and is published by permission. The South Australian Government does not accept any responsibility for the accuracy, completeness or suitability for any purpose of the published information or underlying data.

For any report or other image generated:
Copyright in this information belongs to the South Australian Government and the South Australian Government does not accept any responsibility for the accuracy or completeness of the information or its suitability for any purpose.

WARNING
The information contained in this dataset is extracted from records of land status and cadastral boundary definition held by the Government of the State of South Australia (the “State”). The information is not represented to be accurate, current, complete or suitable for any purpose, at any time of its supply by the State and may have changed since that date of supply by the State.
The software by which the information is provided is not represented to be error free.
No responsibility is accepted by the State for any reliance placed by any persons upon the information, or the software by which it is provided. Persons acquiring or using the information and its associated software must exercise their independent judgement in doing so.

COPYRIGHT
Copyright in the information remains with the Crown in right of the State of South Australia. The information is reproduced under licence from the Crown.

PRIVACY
The information contained in this dataset must not be used for the purposes of compiling contact lists, whether personalised or not.

Tasmanian Data: This product incorporates data that is copyright owned by the Crown in Right of Tasmania. The data has been used in the product with the permission of the Crown in Right of Tasmania. The Crown in Right of Tasmania and its employees and agents:
(a) give no warranty regarding the data's accuracy, completeness, currency or suitability for any particular purpose; and
(b) do not accept liability howsoever arising, including but not limited to negligence for any loss resulting from the use of or reliance upon the data.
Base data from the LIST © State of Tasmania http://www.thelist.tas.gov.au.

Victorian Data: The State of Victoria owns the copyright in the Property Sales Data and reproduction of that data in any way without the consent of the State of Victoria will constitute a breach of the Copyright Act 1968 (Cth). The State of Victoria does not warrant the accuracy or completeness of the Property Sales Data and any person using or relying upon such information does so on the basis that the State of Victoria accepts no responsibility or liability whatsoever for any errors, faults, defects or omissions in the information supplied.

Western Australian Data: Based on information provided by and with the permission of the Western Australian Land Information Authority (Landgate) (2019).

Northern Territory Data: Based on information provided under licence by the Department of Lands and Planning, Northern Territory of Australia. .

Properties in your postcode {{ reportData.location.postcode }}

Please find below a number of sold properties and current listings that may be comparable to your property.

Sold Properties
For Sale
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There are currently no listings in your area
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Local area data

Financials
Interest Rate History
Demographics
Property
Median household
monthly income
Median
weekly rent
Median monthly
mortgage repayments
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Australia
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Data provided by Australian Bureau of Statistics

Applications are subject to approval. Conditions, fees and charges apply. Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. © 2018 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.