General
The information provided or available on this website (including any report) is a guide for general information purposes only and does not take into account all of your personal circumstances. It does not constitute financial advice or mortgage brokerage services. and should not be taken as a recommendation, suggestion or opinion in relation to any loan product.

Table of outstanding interest rates
This table provides comparative information and should be used only as a general guide. The display of any loan does not constitute an offer of those loan products and should not be construed as suggesting that you request a particular loan product, or that you remain in any loan product. It may not be eligible for all or any loan shown. All loans are subject to the terms, conditions, loan criteria and approval of the lender. We strongly recommend that you explore your options with a qualified mortgage loan professional. You acknowledge and agree that this report:

it does not consider any applicable fees and charges, which may vary depending on the product and during the term of the loan, including account fees, application fees, early repayment, and termination fees. These rates can affect the results, including the amounts of reimbursement and the general cost of the loan;
an indicative value has been included for the mortgage insurance of the lenders in the reimbursements and the amounts of the Required Loans if the deposit is less than 20%, the actual cost may vary;
You can show loans with a special introductory rate that can reverse at a higher rate during the term of the loan;
it is based on the information included and in the current circumstances, including interest rates and repayment cycles that may change over the term of the loan and its impact on results;
it does not include all credit providers and may not compare all the relevant functions to you;
Classify products based on interest rates. The comparison rates can give a better indication of the total cost of the loan, since it takes into account some fees and charges.
Other characteristics of the report:
Interest rates
The information on the interest rate provided by InfoChoice Pty Ltd, Yellow Brick Road and Loan Market, is valid as of the date of the report and is subject to change at any time by the lenders. The rates are intended only as a guide, and InfoChoice, Yellow Brick Road, Loan Market and Novii will not be responsible for any errors or omissions contained in the report.

Monthly refunds
The calculations of the monthly reimbursements are based on the published published interest rates, the loan amount and the term of the 30-year loan. They do not take into account the fees and charges. Some loans may have a special introductory rate that can be reversed at a higher rate during the term of the loan. Actual reimbursements may vary based on individual circumstances and changes in the interest rate.

Mortgages Insurance of Lenders
Mortgage insurance of lenders (LMI) will generally apply if your ratio of loan to value (LVR) is higher than 80%. The LMI values ​​included when applicable in the report calculations are only indicative and are based on a complete loan. The real cost of LMI can vary a lot between lenders and the higher costs can be applied for loans with little investment, investment or self-employed. For low-document loans, LMI can apply if the LVR is greater than 60%. Not all lenders allow LMI to join the loan. Your mortgage loan professional can talk about LMI with you depending on your circumstances.

Indebtedness capacity
This calculation is based on the information you submitted, including income, expenses, the average standard variable rate as of today and a 30-year loan term. This result is purely a guide and does not relate to any specific lender. Each lender has its own methods to calculate the debt capacity. HLR does not accept any responsibility in relation to this calculation.

First subsidy for homeowners
The scheme of the Grant for the concession of new housing for the first owner of the dwelling (the Scheme) was established to help the first owners of eligible dwellings to buy a new dwelling or build their house by offering a subsidy.
The amount of the grant is determined by the date of the eligible transaction. This is the date of the contract to buy a new house or a contract to build a house. For a proprietary builder, the eligible date is when construction work begins.
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