100% Home Loan - Suitable if you havent managed to save for a deposit but can cover the costs of Stamp Duty and Legal Fees.

• Identical options to a Standard Home Loan
• Little or No Deposit
• Flexible Repayment Options
• Offset, Redraw and Professional Pack features available
• Benefit from growth in the Property Market
• Suitable for PAYG and the Self Employed
• BUT The higher the borrow, the higher the repayment
• Mortgage Insurance in mandatory

Gekko Tip - Check to see if you are eligable for the FHOG via our Web Page.

106% Home Loan - Allows you to borrow the full purchase price and the extra to pay for Stamp Duty and Legal Fees. Any surplus funds may be used to consolidate other debts into the home loan eg Credit Cards and Personal Loans.

• No Deposit required
• Surplus Funds refunded to borrower
• Similar features to the Standard Home Loan
• Benefit from growth in the Property Market
• Suitable for PAYG and the Self Employed
• BUT There are minimum income requirements
• Must have clear credit history and stable employment history
• Once Again - High borrow, higher repayment AND
• Mandatory Mortgage Insurance at a higher premium

Construction Home Loan - Build the house of your dreams with one of these loans! Generally Interest Only until completion and are suitable for both Personal and Investment use. The loan is drawn down at certain stages through the building process, with the first draw down used to cover the cost of the land. The loan amount is calculated on the combined value of the land and the estimated value of the house and land package.

• Upto 100% Construction Finance Available
• Competitive Rates
• Pay Interest Only on the amount drawn down at any one time
• BUT Loan features may not be suitable once construction is finished
• Loan not fully advance upon settlement of Land

Gekko Tip - Check Exit Fees as Construction Loans may require refinancing upon completion due to inflexible features.