Home Loans

Your Path to Home Ownership

Whether you’re buying your first home as an owner occupier, upgrading to your next home, or building your dream property, securing the right home loan is one of the biggest financial steps you’ll ever take. At JRW Finance, we’re here to make things easy.

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Understanding Your Borrowing Power

Before applying, it’s important to know how much you may be able to borrow. Your borrowing capacity depends on factors like income, expenses, and credit history.

We’ll help you calculate this upfront so you can shop the property market with confidence.

Fixed vs Variable Home Loans

Choosing between a fixed rate home loan and a variable rate home loan is a key decision. Fixed rates give you stability, locking in your repayments for a set period. Variable rates offer flexibility and potential savings if interest rates fall, but can increase if rates rise.

We’ll walk you through the pros and cons of each, based on your financial situation and current home loan rates.

Extra Costs to Consider

Beyond the property, other costs like stamp duty, Lenders Mortgage Insurance (LMI) if your Loan-to-Value Ratio (LVR) is above 80%, and legal or conveyancing fees can affect your budget.

We’ll outline this to avoid surprises and, as a First Home Buyer, you may be exempt from some.

Home Loan Features That Work for You

The right features can save you thousands over the life of your loan.

Options like an offset account, redraw facility, or using home equity for renovations or investments can all be part of your strategy.

A Simpler Application Process

Applying for a home loan can feel overwhelming, but it doesn’t have to.

We’ll guide you through gathering documents, completing forms, and even securing pre-approval so you can make offers with confidence.

Why Work With JRW Finance?

At 25, I’ve built a property portfolio of five and counting. Working with brokers, accountants, and investors, I've seen firsthand how confusing and overwhelming the process can be.

That’s why I started JRW Finance - to make property finance clear, straightforward, and achievable for clients. I guide clients through processes I’ve experienced myself, tailoring solutions to their goals and helping unlock opportunities they didn’t think were possible.

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Ready to buy your first home, upgrade, or build your dream property? Contact us today and let’s explore the right home loan options for you.

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How to Choose the Right Bank or Lender for Your Home Loan

Choosing the right bank or lender for your home loan is a significant decision that can impact your financial future. With numerous options available, it's essential to consider various factors to ensure you select a lender that aligns with your needs and circumstances.

How to Pay Off Your Home Loan Faster

Paying off your home loan sooner than planned is a goal for many Australians. By reducing the loan term, you can save on interest and achieve financial freedom earlier. There are several strategies to consider that can help you pay off your mortgage faster.

Key Things to Consider Before Taking Out a Loan

Taking out a loan is a big decision. Whether it’s your first home loan, an investment mortgage, or refinancing your existing debt, there are multiple moving parts to get right. You don’t want surprises later on.

Understanding Your Credit Score Before Applying for a Mortgage

When you’re thinking about applying for a home loan, one of the most important factors you’ll want to get familiar with is your credit score. Lenders use it as a key indicator of your creditworthiness.