Home Loans

Ownership of a home is often referred to as the part of the 'Australian dream'. Aside from providing a home for family's, it is one of the most conventional and popular investment asset classes, especially in the property boom of recent years.

To make investment in property, finance is one of the key parts in the decision making process. The mortgage industry is constantly evolving giving mortgage brokers with and ever increasing range of new products and services to present their customers and provide them with thier options.

Home buyers, especially first home buyers, need to have contact with professionals who are qualified, experienced, well informed with the latest in developments in the finance market, innovative in their approach, and most of all caring of the customers needs - so as to best help realise their objectives. 

Standard Capital strives to be the right financial services company for you. Our dedicated team of finance consultants listen to discover your needs and then design a strategy that best suits your goals; we explore the different options available in the market to make sure that you know and understand the options available; we work with you to ensure a smooth application process and make sure that you have an enjoyable experience throughout the entire finance process.

At Standard Capital, whether you are a first home buyer that is unfamiliar with the finance process, a retiree wanting to fund your lifestyle or simply want to know whether your current loan is still competitive, we look forward to assisting you.

For first home buyers, do you know that you can use a First Home Owners Grant (FHOG) to help you with the deposit on a home?

Are you having difficulty saving for a deposit? Standard Capital can assist you here with providing your options on 'No Deposit Home Loans'.

A 'Line of Credit' is for those who would like to use their property as security, enabling access funds against the property at anytime. These loans are generally interest only loans and are sometimes referred to as 'ever green', as they can be repaid and redrawn at any time.

Is your current home loan competitive? Would you like to realise further equity from your property? A Re-finance of your existing loan can be the answer! It is widely recommended that you review your home loan at least every three years.  If your home loan is greater than 3 years old, call us now and see what we can do for you to improve your circumstances!

Perhaps you are self-employed and you want to apply for a loan but your most recent financials are not available yet? Or your Australian Business Number (ABN) is less than 2 years old? Do you have credit defaults? If any of these are applicable to your circumstances, Standard Capital can still assist! We can provide you with your options with various 'low-doc' products in the market, that can assist in the above circumstances.

Are you over 60 years of age and would like to access the equity in your home, for a range of reasons, including hmoe improvements or a holiday? Why don’t you ask one of our finance consultants about Reverse Mortgage options that are available to you?

Are you after a ' features-rich' home loan and the ability to payout your loan within a short period of time? Variable Home Loan's can be the answer. A 'variable rate home loan' is a type of loan where the interest rate varies. Depending on the Reserve Bank's cash rate at any given time, the interest rate on the loan can fluctuate.

Variable Rate Home Loans give you the flexibility to pay off your loan faster by allowing you to make as many extra payments as you desire.

Do you value flexibility in terms of the interest structure of a loan for investment purposes? Loans with Interest Only or Interest In Advance options may suit your needs.

We believe that no one applicant’s personal situation or circumstances are the same. With access to over 30 lenders plus our own range of Standard Capital product's, we are sure that we can assist you to achieve the most suitable mortgage deal available in the market.

Standard Capital consultants are available at any time for a consultation, so please feel free to call us on (03) 9670 1770 .