When you have little or no deposit

No Deposit or 100% Home Loans

The Global Financial Crises was largely driven by the US Sub-Prime Crisis.  100% loans are sub-prime loans and all Australian lenders have withdrawn from this market.

There are no 100% home loans available however an option is available where a family member (usually parent) can offer a suitable security property as part of the home loan, these loans are called 'family equity'  etc - as long as the offered security brings the overall borrowing down to below 80% then there is no genuine savings requirement and no LMI payable potentially saving you thousands of dollars.

If you have sufficient genuine savings and you are a First Home Owner ie: elligible for the First Home Owners Grant (FHOG) then look out for special FHO LMI (lenders mortgage insurance) as several lenders have highly discounted rates that can save you many hundreds and even thousands of dollars.

Shared equity home loans whereby the lender provides lower rates or higher LVR and compensates by taking a share of any increase in value of the property. These loans are currently not easy to obtain on anything but prime property.

Though we're a mortgage broker who pays you a rebate, we pride ourselves on prompt first class personal service to overseas customers looking at buying a home in australia. As our testimonials confirm, we have exceeded the expectations of many of our clients and will endeavour to exceed yours. (Home buyers from outside Australia should see below for more information about non-resident investment details).

We arrange a broker to visit you in Melbourne, Sydney, Adelaide and Brisbane plus several regional locations. They are available to advise you on your situation.

We keep your hassles and our costs down.

Click here to go to our express inquiry form and we'll get on-line and personal. Wherever you are in the world, we'll be back to you within five working hours - or tell us when is most convenient for you.

If you don't want to give us some of the information we ask for - then don't! We'll respond within half a working day. (If we don't - or if you're unhappy in any other way - call me direct on +61 2 6626 6832). We're confident you'll appreciate the Peach Home Loans service!

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