Lifesaver Home Loans is a 100% Australian owned and operated finance/lending company which services clients throughout Australia. Our directors have been involved in the consumer finance industry for over 30 years. Our aim is to obtain a finance solution for each and every client whether it be traditional bank finance, private finance, secured and unsecured lending.
We fully support and adhere to all statutory requirements including the Uniform Consumer Credit Code (UCCC). Firstly the name Lifesaver Home Loans was chosen after the feedback from several clients, and one in particular, who had been informed by lenders prior to seeing Lifesaver, that they would not qualify for a home loan.
We fully support and adhere to all statutory requirements including the Uniform Consumer Credit Code (UCCC). Firstly the name Lifesaver Home Loans was chosen after the feedback from several clients, and one in particular, who had been informed by lenders prior to seeing Lifesaver, that they would not qualify for a home loan.
Services
Home Loans
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There has been a huge increase in the number of lenders and products to choose from and this has created a very competitive marketplace. Lenders no longer compete simply on interest rates alone but also on fees, charges and service, as well as the products and features of their loans.
There has also been a significant change to the types of loans available, with Australians having access to a smorgasbord of some of the most flexible mortgages in the world.Lenders require a qualified security guarantor offering a second security in addition to the security offered by the applicants.
There has also been a significant change to the types of loans available, with Australians having access to a smorgasbord of some of the most flexible mortgages in the world.Lenders require a qualified security guarantor offering a second security in addition to the security offered by the applicants.
Features & Benefits
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Not long ago all mortgages were almost identical. The major lenders only offered a 'standard loan' therefore all you had to do was find the lowest interest rate and you would have found the best available loan. Now, even if the interest rate on two loans is identical, be warned that there can be a huge variation in how a loan can be conducted.
FAQ's
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We use state of the art technology and experience to weave the Home Loan lender minefield. We ask you a series of questions; lenders are eliminated one by one, until you are matched to the right lender or a shortlist of comparable potential lenders depending on your individual needs. There are now well over fifty home loan lenders in Australia.
Types Of Home Loans
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Lenders will lend over 95% of the purchase price of a property only if you obtain a security guarantor.e.g. This means that most, if not all of the costs (stamp duty and mortgage insurance) can be included in the loan with little or no extra funds being required from you.
Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to, and the option to redraw these funds for any purpose when you need to.Basic Variable Rate loans offer a lower interest rate, but fewer features.
Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to, and the option to redraw these funds for any purpose when you need to.Basic Variable Rate loans offer a lower interest rate, but fewer features.
The Loan Process
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When you contact us you will be phoned back by a Lifesaver consultant who will organise a time to visit you when it is most convenient to you. Please review our checklist. Having the required documentation ready certainly speeds up the process. The Lifesaver consultant will hand deliver your application to one of our experienced loan processors who will ring you and introduce themselves as your next point of contact.
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