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Home Loan Calculators – Mortgage and Borrowing, HSBC Australia, home loan comparison.#Home #loan #comparison


Home Loans – Loan Calculators

Home loan comparison

Whether you’re in the market for a new house or want all the details about a home loan – you need facts and figures. Try calculating here – the answers are quick and easy online.

  • Home loan comparison

Home Loan Repayment Calculator

This is a good place to start if you have a price that should secure your new dream home and you want to see if the payments will be affordable.

  • Home loan comparison

    Borrowing Power Calculator

    How much can I borrow? Check out approximately how much you will be eligible to borrow with HSBC Bank Australia.

    • Home loan comparison

    Stamp Duty Calculator

    This tool calculates stamp duty for every state and territory in Australia, you can even compare duty on housing and land.

  • Home loan comparison

    Home Loan Comparison

    Enter two different home loan options for an online comparison of total interest and fees payable over the life of the loan.

    More calculators

    Home loan comparison

    Extra repayments

    How much interest can I save by making extra payments? Calculate the answer here.

    Home loan comparison

    Lump sum repayment

    See how much interest you could save by making a lump sum payment.

    Home loan comparison

    Split loan calculator

    Calculate repayments and total interest under different fixed and variable rate scenarios.

    Home loan comparison


  • Home loan package, Westpac, home loan comparison.#Home #loan #comparison


    Home loan package

    When you package your home loan and bank account, you could enjoy the benefits of Premier Advantage Package, including interest rate discounts and savings on a range of great products.

    For an annual package fee of $395 you could save up to $2,506 in your first year on a $250,000 home loan.

    Benefits of packaging your loan

    • Discounts on a range of Westpac standard variable rate and Westpac fixed rate home loans
    • For any packaged home loan, pay no loan maintenance fee, “top up / loan increase” fee, portability fee or switching fee (excluding switches to a non-package loan)
    • Pay no monthly service fee on your Westpac Choice account, regardless of total monthly deposit
    • Pay no annual card fee on the card you select from a range of Westpac credit cards. Other fees and charges may apply.

    Once you’ve selected the home loan that works for you and you’ve set up your Westpac Choice account, take advantage of the Premier Advantage Package to enjoy real savings.

    Conditions on Premier Advantage Package take into account your total packaged Westpac home loan borrowings. Full details are set out in the Premier Advantage Package Conditions of Use (PDF 1MB) .

    You could receive up to 0.9% p.a. discount off the applicable variable rate on your new Rocket Repay Home Loan when your new loan or your packaged home loan borrowings including your new loan total $750,000 or more. More about the Premier Advantage Package discounts that apply to your new Westpac home loan.

    There’s no limit to the number of eligible loans you can have within a package that may receive an interest rate discount.

    If you currently have discounted loans within an existing Premier Advantage Package, the discount on those loans will be the discount offered at the time those loans were taken. The discount on any new loans which may be added to your package will be the discount offered at the time those loans are taken.

    Variable rate home loan – for Rocket Repay Home Loan, Rocket Investment Loan Equity Access Loan under Premier Advantage Package

    Fixed rate home loan – for Fixed Options Home Loan and Fixed Rate Investment Property Loan under Premier Advantage Package

    You could also save on your loan fees:

    • No establishment fee – save $600
    • No ongoing loan maintenance fees – save $96 – $120
    • No “top up / loan increase” fees to increase your loan limit – save $400

    (not available on fixed rate loans)

  • No portability fee if you move house – security criteria apply – save $300
  • No switching fee – save $300.
  • Westpac Choice

    When you package your Westpac Choice, you’ll pay no monthly service fee regardless of how much you deposit each month.

    Westpac Choice provides you with:

    • Unlimited free transactions across Westpac branches, Westpac Group ATMs, eftpos, Westpac Telephone Banking and Online Banking (.Other fees apply including for the use of non-Westpac Group ATMs and overseas ATMs.)
    • Access to your funds with Debit Mastercard ®
    • Link as an offset account to your Rocket Repay Home Loan and cut the interest on your loan.

    Credit cards

    Save on the annual card fee with a credit card from the great range below

    With the Premier Advantage Package you can choose one of these credit cards with no annual card fee. Other fees and charges may apply.

    Altitude or Altitude Platinum Credit Cards

    • No annual card fee
    • Choose between two great rewards programs – Altitude Rewards or Altitude Qantas.

    Altitude Black Credit Cards

    • No annual card fee
    • Choose between two great rewards programs – Altitude Rewards or Altitude Qantas
    • Earn uncapped Altitude Points on eligible purchases.

    Low Rate Credit Card

    • No annual card fee
    • A simple no frills card with a lower variable interest rate on purchases and a higher variable interest rate on cash advances.

    55 Day Credit Card

    • No annual card fee on 55 Day Credit Card. The annual card fee (currently $30) is normally waived for the first year and waived for subsequent years when you spend $5,000 or more on purchases in the previous year using your card.

    (Also no annual card fee on 55 Day Gold cards.( annual card fee (currently $90) is normally waived for the first year and waived for subsequent years when you spend $15,000 or more on purchases in the previous year using your card.) Please note that these cards are no longer for sale.)

    55 Day Platinum Credit Card

    • No annual card fee. 55 Day Platinum Credit Card annual card fee (currently $90) is normally waived for the first year and waived for subsequent years when you spend $10,000 or more on purchases in the previous year using your card.

    Insurance

    Save on insurance to protect the assets you’ve worked hard for.

    We’re here to do all we can to help protect your future, so we offer flexible cover to look after the things you cherish just in case. With the Premier Advantage Package you’ll save on your insurance premium.

    Home and Contents Insurance

    Collectively, your home and all the things you’ve collected over the years can represent one of your biggest investments.

    Choose from three levels of cover to assist if unexpected events occur like storm, flood, fire, theft and more.

    • Save up to 10%* on your Home and/or Contents Insurance Premium.

    Home and Contents Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1300 650 255 or visit the Home and contents insurance page for more information.

    Landlord’s Insurance

    Protect the investment property with cover for storm, flood and fire, theft, loss of rent and malicious damage by tenants or rent default. We’ll help you choose the right cover, so you only pay for the insurance you might need.

    • Receive a 10% on your annual premium if you have a Premier Advantage Package

    Landlord Insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) (except workers compensation cover where applicable). Westpac Banking Corporation ABN 33 007 457 141distributes the insurance, but does not guarantee the insurance. This information does not take into account your personal circumstances. Read the Product Disclosure Statement, to see if this insurance is right for you. Call 1300 650 255 or visit the Home and contents insurance page for more information.

    If you add up the savings offered by Premier Advantage Package, you could save over $2,000 in the first year and nearly $2,000 in the second year. You’ll continue to save for the life of your loan when you add up the savings offered by Premier Advantage Package.

    (This example is based on our standard discount. It doesn’t show any additional discounts which might apply under a special promotion).


    Home Loan Comparison, Mortgage – Home Loan Compare, IMB Australia, home loans comparison.#Home #loans #comparison


    Home Loan Comparison Table

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    Lending criteria, terms and conditions, fees and charges apply to IMB home loans. 1. Fees quoted are for new applications only. Application fee includes one valuation. Valuation costs over above single/primary security are to be covered by the borrower. Other fees and charges apply. 2. Maximum allowed varies depending on state, occupancy, loan amount and security type. Maximum Loan to Value Ratio is exclusive of any CCI and LMI Insurance components added to the loan.3. The Interest Only period is subject to approval for up to 5 years, cumulative over the term of the loan. The 5 years Interest Only period can be broken down into separate Interest Only periods at any time during the loan term.4. Minimum redraw is $500. Redraw is free via IMB Internet otherwise a $50 fee per redraw via IMB Branch or IMB DIRECT applies.5. Up to 12 months in advance without penalties on fixed loan. Unrestricted on variable component. 6. 100% offset facility is available on the IMB Everyday and Everyday Unlimited products. Please consider the PDS available from IMB before making a decision about IMB deposit products.

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    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan rates comparison.#Home #loan #rates #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan rates comparison

    Home loan rates comparison

    Home loan rates comparison

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    Posted on May 3rd

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    Car Loan, Barclays, car loan comparison.#Car #loan #comparison


    Car loan

    Driving a better deal with a loan

    When it comes to buying your next car, knowing you’ve got the money in your back pocket can help you get a better deal.

    Loans are subject to status. Early settlement fees apply.

    ✔ Check to see if you have a personalised price quote 1

    ✔ Comes with a price guarantee (conditions apply)

    ✔ Easily calculate your potential repayments – all before taking a test drive

    0 APR Representative

    over 2-5 years. (Your rate may differ 2 )

    Why get a car loan with us?

    Discover your loan rate before taking that test drive

    Knowing how much you can borrow really helps when hunting for a new or used car. And unlike some other lenders, in many cases we can give you a personalised price quote up front – with no impact on your credit score.

    You can check to see if you have a provisional loan limit before you apply. If you have a current account with us, simply log in to Online Banking or Barclays Mobile Banking, if you’re registered 1 .

    More bargaining power – sellers beware!

    It’s quick and easy to apply and, if your loan application is approved and you’ve signed your loan agreement online, the money is usually transferred to your current account straightaway 3 . This could give you more bargaining power in the showrooms and forecourts, as you’ll have the cash to hand.

    If you take out a Barclayloan for your car, and another lender offers you a like-for-like unsecured loan with a lower APR, you can claim under our guarantee – within 30 days of the date we signed your Barclayloan agreement. We’ll reduce the interest rate to produce an APR equal to the competing offer and recalculate your monthly repayments to reflect the reduced interest rate. Please see our full price guarantee terms and conditions.

    Fixed monthly repayments

    This could help you budget.

    Choose your payment term

    Depending on the loan amount.

    Already have a Barclayloan and need more funds? You can apply to increase your borrowing with us. If you just want to take out a second loan instead of topping up, that could be an option too.

    Repaying your loan early

    You have the right to repay your loan early, in part or full, at any time. We’ll charge a fee equal to 30 days’ interest on the amount you’re repaying, as well as any other interest that’s due.

    Eligibility

    You may be eligible to top up your Barclayloan online if you:

    ✔ A Barclays current or savings account, mortgage or Barclaycard

    ✔ To be aged 18 or above

    You can use your loan for almost anything, apart from:

    • Business reasons
    • Investments, including buying stocks and shares
    • Timeshares
    • Purchasing property (home improvements are fine)
    • Gambling-related expenses
    • Repaying CCJs (county court judgments)
    • A purchase made by combining this loan with any others

    Resume an application

    If you’ve already started a loan application and have saved your progress, you can pick up where you left off.

    If you applied via Online Banking

    Log in to Online Banking here, and we’ll take you straight to your saved application.

    If you used our online application form

    If you started your application via our online form, we’ll have sent you an email with your reference number. You can enter the number here.

    Our lending commitments and what we ask of you

    As a lender, we have a responsibility to act fairly and as part of this we have committed to follow the Standards of Lending Practice. This note sets out some of our key responsibilities and what we ask of you, to ensure that the relationship works well for both of us.

    • We will lend responsibly and aim to provide a product that is affordable for you.
    • We will provide you with information about our products and services and how they work, in a clear and understandable way, so that you can decide what’s best for you and your needs.
    • We will endeavour to make sure our products and services offer, wherever possible, the flexibility to meet your needs.
    • We will treat you fairly and reasonably at all times and make sure that you are provided with a high level of service.
    • If you tell us about any inaccuracies, for example around the personal information we hold about you, we will act quickly to put it right.
    • We will always aim to help you if we see, or you tell us, that you are having trouble financially. We will seek to understand your overall circumstances, try and identify options that you can afford and where appropriate, provide a reference to free debt advice.

    What we ask of you

    • We ask you to think carefully about whether you can afford to repay the money you want to borrow and to be open in your dealings with us.
    • Take care of any cards, PINs, online log-in details and other security information to help prevent fraud and help us to protect your accounts.
    • Tell us as soon as possible if your card has been lost or stolen, or if you know or suspect someone is misusing your confidential information e.g. your PIN or online log-in details.
    • Carefully check your account statements to make sure they are accurate. If anything isn’t right, please get in touch with us.

    Please let us know if

    • Your contact details change, so we can keep our records up to date.
    • Your circumstances change, particularly if what’s happened is likely to cause you difficulties in managing your account or financial problems.
    • You think that you won’t be able to keep up with your repayments. The sooner you do this, the more likely it is we’ll be able to find a way to help you.

    We would also encourage you to refer to the terms and conditions associated with your current account, credit card or personal loan.


    Compare Car Lease and Auto Loan Offers, car loan comparison.#Car #loan #comparison


    car loan comparison

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    auto lease and loan offers from top national banks on all new and many late-model used cars. Select the best payment and apply online for a fast credit decision. See a list of vehicles you can lease based on your desired monthly car payment.

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    View the most requested vehicles on LeaseCompare.com

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    LeaseCompare.com makes it easy to shop and compare lease payments for diesel cars.

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    Housing Loan Singapore, Best Home Loan Bank Rate Calculator Comparison Singapore, home loan comparison.#Home #loan #comparison


    Mobile Homepage

    Fill up the form below for a FREE housing loan analysis. We will contact you within 24 hours (usually sooner)

    Our services are FREE to you as we are compensate separately by the lenders.

    Apply For A Housing Loan Through Us

    If you wonder why you will require our services to assist you to get a housing loan, here is a small introductory list of the value we bring to you

    1) Save your hassle of going about getting your Singapore housing loan

    Instead of physically going to all the local and foreign banks yourself to enquire about your housing loan for purchase or refinacne, we compile all the information for you. You can sit back and go about your daily activities while we handle the hassle of home loan hunting for you.

    2) No pressure hard selling of home loans

    When you go to a housing loan Singapore lender, they may have only 1 product that they can offer you. So that 1 product might be pushed onto you. When you engage our services, we compile all the suitable Singapore housing loan offers from many banks for you to choose from. You can easily compare all housing loan offers and take your pick.

    3) Experience with housing loans in Singapore

    You may not have had a lot of experience obtaining housing loans and uncertain of what terms are available and flexible. Imagine buying a car at what you thought was a good price, and a day later found out that a colleague bought the same car at the a lower price with a lot of freebies. We truly put your interest first when it comes to your best housing loan.

    If you are wondering how you can afford our services, you can relax. We do not charge you any fees. The banks pay us separately. In effect, our value adding services are free to you.

    So contact us now for a FREE housing loan analysis by filling up the above form and we will get to you shortly.

    If you are going about sourcing your housing loan by yourself instead of engaging our free service, these are 3 key tips that might help you

    Home loan comparison

    Home loan comparison

    Home loan comparison

    Recent Posts

    Latest SIBOR And SOR History Trends Chart

    Posted on July 10th

    TDSR What You Should Know About Calculating Debt Ratio

    Posted on May 26th

    Housing Loan A Comprehensive Guide To Mortgage Choices In Singapore

    Posted on May 3rd

    Refinance Home Loan To Slash Your Existing Mortgage Rates


    Home Loans Adelaide – Assured Home Loans for Buyers – Investors, home loans comparison.#Home #loans #comparison


    Welcome to Assured Home Loans

    No fee for our advice

    Group Established 1988

    Home loans comparison

    Welcome to Assured Home Loans

  • We compare over 1,300 loans

  • No fee for our advice

  • Talk to us 9am to 9pm 7 days

    Home loans comparison

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    First Home Buyer

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    Second Home Buyer

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    Building or Renovating

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    Find a home loan that s right for you. Talk to a home loan expert today!

    Welcome to Assured Home Loans

    When you buy a home, refinance or invest in property, it’s so much more than just taking out a mortgage. That’s why we offer home loans that suit your lifestyle. At Assured there are no bank managers, push button options or overseas call centres, just straight talk and loans designed to give you the freedom and flexibility you need to get on with living.

    We’ve been in business for almost 30 years, so you know you’re placing your trust where many other customers have before you.

    We have access to over 30 bank and non-bank lenders, (including the big 4), and over 1,300 home loan options and our advice is 100% free. That means you receive a huge range of choice, and save both your time and money.

    Feel free to take your time browsing through our site, because it was designed just for you. You’ll find all the answers you need about mortgages and home loans. When you’re ready you can make an online enquiry, apply online or give us a call on: 83 600 200, the choice is yours, so choose home loans for living.


  • Car loan repayment calculator – Car finance calculator, Esanda, loan comparison calculator.#Loan #comparison #calculator


    Car loan repayment calculator

    Estimate your monthly repayments with our car loan repayment calculator. If you have not yet contacted us for an indicative rate but wish to estimate repayments, our rates start from Loan comparison calculator(View current rates) % p.a. (comparison rate Loan comparison calculator(View current rates) % p.a. * ). Your actual interest rate and repayments will depend on Esanda’s credit assessment of your application.

    Quick response

    Peace of mind

    Note: A balloon amount is only available to approved applicants and is subject to several factors considered as part of your loan application. A Balloon is only available on a loan term of 1 to 5 years.

    1. This calculator is provided for illustrative purposes only and does not constitute a quote. Information provided by this calculator is based on the accuracy of information provided by you and does not take into account your personal needs and financial circumstances.
    2. Esanda will not store the information provided in this calculator.
    3. Additional fees and charges apply.
    4. All applications are subject to Esanda’s normal credit approval criteria.
    5. This calculator is not applicable for Novated Lease

    * Comparison rate shown for a secured loan on a loan amount $30,000 over a term of 5 years based on monthly repayments. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    2015 Copyright Esanda, a division of Australia and New Zealand Banking Group Limited ABN 11 005 357 522.


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    Definitions

    Loan amount The total dollar amount for this loan.

    Interest rate The interest rate on this loan.

    Loan term The number of years over which you will repay this loan. The most common terms are 15 years and 30 years. If this loan has a “balloon” payment, the loan term will be shorter than the number of years to amortize the loan. For example, a loan with a 5-year term amortized over 30 years will have the same monthly payment as a 30-year loan with the same interest rate. The difference is the 30-year loan will have equal payments for 30 years. The 5-year loan will have equal payments for 5 years and then a very large, or balloon, payment for the remaining balance.

    Amortization The number of years used in calculating the monthly payment. Loans that are amortized over a longer period than their loan term have a balloon payment. See “Loan term” for more information.

    Origination fee The dollar amount charged as a loan origination fee, which is included in the Annual Percentage Rate (APR) calculation. For many loans a 1% origination fee is common. For example: a 1% fee on a $120,000 loan would cost $1,200.

    Commitment fee An upfront fee included in the APR calculation.

    Other fees Fees included in the APR calculation. These fees can vary by lender but, at a minimum, usually includes prepaid interest.

    Other costs Any other costs that should be included in the APR calculation.

    Monthly loan payment Monthly principal and interest payment (PI).

    Annual percentage rate (APR) A standard calculation used by lenders. It is designed to help borrowers compare different loan options. For example: a loan with a lower stated interest rate may be a bad value if its fees are too high. Likewise, a loan with a higher stated rate and very low fees could be an exceptional value. APR calculations incorporate these fees into a single rate. You can then compare loans with different fees, rates or different terms.

    Balloon payment This is the total final payment for all loans that are amortized over a period of time longer than the loan term. The balloon payment is total interest and principal balance due at the end of the loan term. (If the loan term is the same as the amortization, this amount is always zero.)

    Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.