what2ask
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Home loans - what to ask before you buy
If you're thinking of getting a loan to buy a home, but you're not sure that questions to ask before you buy, these questions will help you compare home loan features, and the answers you get will help you choose the home loan that's right for you.
Click on a question below for more information.
- Mortgage brokers: Should I use a mortgage broker to find a home loan?
- Qualifying: Can I get a home loan?
- Amount: How much can I borrow to buy a home?
- Deposit: How much deposit do I need to get a home loan?
- Repayment: How much will I have to pay back for the home loan?
- Fixed or variable: Should I get a fixed interest rate or a variable interest rate?
- Pre-approval: Can I get a loan approved before I find the home I want?
- Approval: How long will it take to have the home loan approved?
- Valuation: Do I have to provide a valuation of the property to get a home loan?
- Other costs: What other costs will I have to pay up front to get a home loan?
- Grants: Will I get a first home buyer's grant to buy the home?
- Security: What am I providing as security for the home loan?
- Making payments: How should I make the home loan repayments?
- Early pay out: Can I pay out my home loan early?
- Extra payments: Can I make payments more often than scheduled?
- Re-draw: Can I get money back after I've paid it off the home loan?
- Offset account: Can I get an offset account attached to my home loan?
- Cancellation: What happens if I change my mind about the loan?
- Settlement: What happens at 'settlement'?
