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Which home loan suits your property needs?

By Andrew Bell

Purchasing property is a huge part of any Australian's life, especially if you're a first home buyer. One of the largest financial commitments you can make is just on the horizon, so it's important to do thorough research and figure out the best type of home loan to facilitate the purchase of real estate in Surfers Paradise

First Home Buyers

For those taking their first foray into the real estate market, it could be worth giving some thought towards taking out a fixed-rate home loan. These mortgage products are a more stable option for novice buyers, with an interest rate fixed for a certain period of time – usually between three and five years. 

This can help people adjust to make regular repayments, with the stability allowing for future planning and budgeting. These loans are also unaffected by changes to the official cash rate, protecting buyers from base interest rate fluctuations. 

Experienced Buyers

For the more experienced in the market – whether this be second home buyers or property investors – a variable-rate home loan could be a good option to consider. Unlike fixed-rate, a variable mortgage can be affected by changes in the economy. 

This makes these products a great choice for those interested in watching the market and making planned-out moves, in order to help secure the best mortgage options available – including low interest rates. 

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