Variable rate? Fixed rate? Split rate? Interest only? Low doc? Introductory? Line of credit? Offset accounts? We realise this can be confusing. So we’ve answered all your questions here to help you along your way to selecting the right loan product to suit your needs perfectly.

The loan market is ever-changing with new loan products being released throughout Australia almost daily. As we climb out of the ‘global financial crisis’ (GFC) many lenders have started to relax their lending criteria which has reopened many doors slammed shut by the onset of the GFC. But which type of loan should you apply for?

As a loan and mortgage specialist, NSW Mortgage Corp can compare literally hundreds of different loan products from the lenders on our panel to help you identify the best loan type to match your purposes.

We’ve also provided some information about the necessary paperwork required when applying for a loan (this will help you speed things up) and a settlement timeline – this shows how long each stage of the process will take and whose responsibility it is to complete the tasks.

You should also use our finance calculators as a guide to how much you can afford to borrow and what your repayments are likely to be.

So, what types of home loans are available? Here is a quick overview of our most common loans:

• Variable Rate Loans (Principal and Interest)
• Fixed Rate Loans (Principal and Interest)
• Split Rate Loans (Principal and Interest)
• Interest-Only Loans
• Line of Credit Loans
• Low Doc Loans
• Introductory Loans
• Non-conforming Loans
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