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Apro Loans helps you find the right home loan with clarity, security, and guidance. So you can move in with confidence.
We have a full Australian Credit Licence (ACL) provided under the Australian Securities and Investment Commission (ASIC – www.asic.gov.au).
We are not a franchise. We work with many lenders, both big and small. We choose lenders according to the products and services they provide.
Our work and conducts meet the requirements, guidelines, and regulations in Australia. We are subject to regular scrutiny and audit.
Dedication, Integrity, Honesty and Professionalism. We can help with home loans, investment loans,commercial loans, person loans, car, smsf, and insurance.
We have demonstrated the ability to adopt in the changing market conditions, as well as constantly fluctuating interest rates.
We are very flexible and available to meet clients strictly schedules. Our availability includes post settlement assist. We do not leave you alone after settlement.
We make follow ups over time to make sure that things are still working well for you. As time passes, clients’ situations may also have changed. We make ourselves available to discuss about changes, or new products which might be more suitable for clients over time.
Whether you’re buying your first home or refinancing, we help you choose with confidence.
We have now teamed up with other partners to help clients with their car loans.
Simple, step-by-step support for your first home purchase.
Mortgage solutions designed for property investment needs.
Explore better rates or adjust your loan to match your goals.
We have a full Australian Credit Licence (ACL) provided under the Australian Securities and Investment Commission (ASIC – www.asic.gov.au).
We listen to understand your goals rather than jumping to conclusion. Expertise in the fields combined with tools in our disposal enable us to rigorously evaluate many options available
We are not a franchise. We work with many lenders, both big and small. We choose lenders according to the products and services they provide.
Our work and conducts meet the requirements, guidelines, and regulations in Australia. We are subject to regular scrutiny and audit.
Dedication, Integrity, Honesty and Professionalism. We can help with home loans, investment loans,commercial loans, person loans, car, smsf, and insurance.
Talk to us and get clear, personalized mortgage guidance without pressure.
It is a wise decision to use a broker rather than going straight to the bank. A bank/lender can only tell you about their products. They will not tell you about their competitors’ products. If you use a broker, he/she can show you different banks at once to compare. It is like visiting many banks in one go. He/she can help, guide you throughout the process to organise your loan with the bank that you choose to go with out of many.
This will depend on the type of property one wants to buy. These amounts may also change from time to time. Most banks currently lend up to 90% maximum for Investment properties while allowing up to 95% borrowing for owner occupier properties. The percentage mentioned above is the ratio of loan amount to property value (LVR). Government attempt to slow down property prices has pushed banks to limit the percentage they are willing to lend out to borrowers, especially investors. Limiting investors borrowing is expected to slow down the property market. It is then the question of demand and supply. More supply than demand means dropping down in prices. Borrowers may use a guarantor to avoid coming up with deposit. People who use the equity of their existing property do not need to come up with deposit. We will cover this topic in the early stage of our discussion with potential borrowers.
Comparison Rate simply means including other costs of a loan into a single rate. The idea is allowing customers to compare between two or more rates. It is about comparing apple to apple rather than apple to oranges. This is due to the fact that interest is one aspect of one’s loan. There are also other charges such as application fees, annual fee and other ongoing fees. Comparison Rate therefore attempts to put all these charges to be inclusive in the interest rate figure.
We do not charge fees. In very limited circumstances, a fee may be charged. If a fee is applicable, applicant will be informed before starting to prepare their loans. In most cases, applicants pay lesser fees when getting their loans through us than going directly through a bank. Some of the things we do to minimise applicants’ fee includes refunding some of the fees a lender would charge. For example, we may offer to refund application fee, or pay their annual fee. Feel free to ask if there are any specials happening which can save you money.
A Split loan is when a single home loan is divided/split into a variable and fixed interest rates. The split can be in different proportions such as 60% fixed and 40% variable and vice versa. Applicants can choose to fix some of their loans and keep the other amount variable due to different reasons or preferences. It could be some features offered by the bank that attracts applicants to this choice. It could be the applicant’s choice to keep some of their loan variables to pay it faster or to take advantage of the offset account facility. This is another area we will sufficiently cover to help our clients come up with the best situation which suits their circumstances best.
Loan term is the period of the time the loan taken will be paid off. It is in years although may also be shown in months. Most banks will give applicants 30 years term. There are few banks which give applicants more than 30 years. Loan term can be changed during the loan term period for more, or lesser years.
