Understand your home loan options.
Residential lending involves more than choosing a rate. Compare how each loan structure affects repayments, flexibility and everyday cash flow. BV Finance helps you understand the trade-offs before applying.
Variable Rate Loan
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The rate can rise or fall, changing repayments.
Extra repayments and flexible features may be available.
Check fees, redraw access and repayment conditions.
Fixed Rate Loan
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A fixed rate gives repayment certainty for an agreed term.
Extra repayment limits and break costs may apply.
Review what happens when the fixed period ends.
Split Loan
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Part of the loan is fixed and part is variable.
The fixed portion offers certainty; the variable portion may offer flexibility.
Compare features, fees and conditions for both portions.
Interest-Only Loan
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During an agreed period, repayments cover interest only.
The loan balance does not reduce during that period.
Allow for higher repayments when principal repayments begin.
Low-Deposit Loan
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A smaller deposit may be possible, subject to lender criteria.
Lenders mortgage insurance may apply and adds to costs.
Compare the full upfront costs and ongoing repayments.
Offset Account Features
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A linked transaction account can reduce interest charged.
Offset balances usually apply to an eligible variable loan.
Compare fees and whether the offset is full or partial.
Key Loan Features to Consider
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Extra repayments: check limits and whether fees apply.
Redraw: access may be available under lender rules.
Portability: moving a loan to another property is subject to lender approval and conditions.
Loan features and eligibility differ by lender. We will help you compare suitable options against your goals, budget and preferred repayment structure.
From your first question to settlement.
A clear process, with support at every step.
We help you understand your options, prepare your application and plan settlement.
Guidance in English & 中文.
① Start a conversation
Start with your goals.
Share your purchase or moving plans, timeframe, savings and any existing property equity. You can begin before finding your next home.
② Review your position
Understand your starting point.
Review your deposit or equity, purchase costs, existing commitments and comfortable repayments. Your lender assesses borrowing capacity and any pre-approval conditions.
③ Compare your options
Compare what fits your plan.
Review loan features and repayments. Search within your budget and speak with your conveyancer before signing a property contract.
④ Plan the next stage
Prepare for approval and settlement.
Apply with the requested documents. The lender assesses your loan and property; we guide the approval, settlement and repayment steps.
Bring a snapshot.
We’ll guide the next step.
Start with a simple overview. We’ll help you identify the next step for your home purchase or move.
✓ Your property plans and timing
Where you want to buy, your expected price range and whether you also need to sell a home.
✓ Your deposit, savings and equity
Available funds, the value of any existing property and the balance of your current home loan.
✓ Your income and commitments
Regular earnings, living costs, existing loans and credit limits help frame a realistic budget.
For a formal application
Your lender may request identification, evidence of income, savings and account statements, details of debts and the property contract. Requirements vary by lender and your circumstances.
We will explain what is needed and help you organise the documents. Use the agreed secure process to provide personal financial information.
Start with what you know.
You can speak with us before finding a property or collecting every document.
Keep exploring, at your pace.
Explore borrowing power, learn about home loans and prepare clearer questions for your next conversation. Estimates are a guide; your circumstances and lender assessment determine available options.
A question before you call?
Ask BV Finance AI Chat about deposits, documents and loan terms. Prepare questions before you call. General information; lender review applies.
Borrowing power
Explore an indicative estimate based on your income and commitments. Use it to frame your budget and questions. Review the result with a broker.
A FEW QUESTIONS BEFORE WE TALK
A clearer start begins with a few answers.
Understand how mortgage brokers help, what to prepare and how to start your home loan or refinancing conversation. These answers give you a useful starting point before we talk.
We help you understand your borrowing needs, compare suitable lenders and loan features, and prepare your application. We explain the process so you know what to consider and what to prepare next.
Yes. You can start with your goals and questions before you apply. A free consultation helps you understand your starting point, the information you may need and the next steps to consider.
We also help with refinancing, construction, asset and commercial finance, as well as lending options for eligible self-employed borrowers and medical professionals. Suitability and lender requirements depend on your circumstances.
No. A borrowing-power estimate is a starting guide. A lender still needs to assess your application, documents, property and circumstances before making a lending decision.
Start with your goals and a general picture of your income, deposit, existing loans and planned purchase. Your broker will explain which documents may be needed next. Avoid sending sensitive documents through the general AI Chat.
Yes. You can start your conversation with us in English or Chinese. Let us know your preferred language when you book so we can make your loan questions and next steps easier to discuss.