03 6161 1313

info@13loans.com.au

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Our Services

Home Loans with Confidence | Secure Your Dream Home with Expert Guidance

Why Choose 13Loans for Your Mortgage Financing Needs?

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Fast Approval Process

Get your loan approved when you need it, not weeks later

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Personalized Support

Work directly with experienced brokers who understand your unique situation

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No Hidden Fees

Complete transparency throughout the loan process

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20+ Years Experience

Benefit from our extensive industry knowledge

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Home Loans Made Simple

Finding the right home loan shouldn’t add stress to the already complex process of buying property. Our team at 13Loans specializes in finding the right mortgage financing solutions that align with your homeownership goals and financial situation.

Whether you’re a first-time buyer, looking to refinance, investing in property, or building your dream home, our experienced brokers will guide you through available options to ensure you get the most suitable loan terms for your specific situation.

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Essential Eligibility Factors

Income Stability

Regular employment or consistent self-employment income

Deposit Requirements

Various options from 5-20% of property value

Credit History

Credit score and previous borrowing behavior

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Existing Debts

Current loans and liabilities affecting serviceability

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Types of Home Loans

Variable Rate

Benefit from flexibility and potential interest savings when rates decrease. Variable rate home loans allow your repayments to adjust with market conditions and typically offer features like offset accounts, redraw facilities, and the ability to make additional repayments without penalties.

Fixed Rate Loan

Secure your interest rate for a set period, typically 1-5 years, providing payment certainty and protection from rate increases. Fixed rate mortgage financing helps with budgeting and financial planning by ensuring your repayments remain consistent throughout the fixed term.

Split (Combination) Loan

Enjoy the best of both worlds by dividing your loan into fixed and variable portions. This balanced approach to residential loans provides some rate stability while still allowing access to flexible features on the variable portion of your loan.

Interest Only Loan

Reduce initial repayments by paying only the interest component for a set period, typically 1-5 years. Interest-only home loans can be beneficial for investors seeking tax advantages or homeowners managing short-term cash flow challenges.

Principal & Interest Loan

Build equity faster with standard repayments covering both the loan principal and interest charges. Principal & Interest mortgage financing represents the traditional approach to home loan repayment, steadily reducing your debt over the loan term.

Step-by-Step Application

Initial Consultation

We discuss your property goals, financial situation, and preferences

Pre-Assessment

Our experts evaluate your borrowing capacity and suitable loan options

Documentation Preparation

We guide you through collecting necessary paperwork and verifications

Lender Submission

Your application is professionally prepared and submitted to appropriate lenders

Approval Management

We handle queries and negotiations to secure prompt approval

Settlement Coordination

Expert assistance through the final stages to property ownership

Why Homebuyers Trust 13Loans

As a family-owned brokerage operating as Singh Home Loans with deep roots in the Epping community, we bring a personal touch to mortgage financing. We take the time to understand your homeownership dreams, financial circumstances, and long-term goals before recommending loan solutions.

Our approach combines professional expertise with genuine care for your future. When you choose 13Loans for your home loan needs, you’re not just getting financing—you’re gaining a long-term financial partner committed to supporting your property ownership journey.

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FAQs

How much deposit do I need for a home loan?

While 20% is the traditional deposit amount to avoid Lenders Mortgage Insurance (LMI), we have access to home loan options requiring as little as 5% deposit. First home buyers may qualify for even lower deposit requirements through government schemes or guarantor arrangements.

Can I get a home loan with less-than-perfect credit?

Yes! We work with numerous lenders offering various residential loans with different eligibility criteria. We focus on finding solutions based on your overall financial situation, not just credit scores. Specialist lenders can accommodate past credit issues with appropriate terms.

How long does the home loan approval process take?

At 13Loans, we pride ourselves on our fast approval process. Pre-approval can often be secured within 1-2 business days, while full approval typically takes 5-10 business days depending on the lender and complexity of your application. Our efficient processes and lender relationships help minimize delays.

What costs are involved in getting a home loan?

Beyond the property price and deposit, typical costs include application fees, valuation fees, lenders mortgage insurance (if applicable), government charges like stamp duty, settlement fees, and legal costs. Our brokers provide a complete cost breakdown specific to your situation so there are no surprises.

Should I choose a fixed or variable interest rate?

This depends on your financial circumstances and market outlook. Fixed rates provide certainty for budgeting, while variable rates offer flexibility and potential savings if rates decrease. Many borrowers opt for a split loan to balance these benefits. Our expert brokers can help you determine the most appropriate structure based on your needs and market conditions.

Get Started with Your Home Loan Today

Taking the next step toward homeownership is just a conversation away. Contact our experienced team at 13Loans to discuss your property financing needs and discover how we can help you secure your dream home.

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