Prime Loan

Our most commonly chosen loan product. This is because of the great flexibility it offers at a very competitive interest rate. Some of the loan features are as follows:

Loan Purpose:
For refinance and or purchase of a property.

Loan Amount:
$50,000.00 - $1,200,000.00

Maximum of $600,000.00 or 97% of the purchase price whichever is the lesser

Repayment Frequency:
Weekly, Fortnightly, Monthly               

Redraw:
Yes

Redraw Fee:
NO FEE! for telephone and internet transfers

Monthly Fee:
NO MONTHLY FEE!

Split Loan:
Yes – unlimited, minimum loan amount of $10,000.00 per split

Genuine Savings:
A minimum of 3% genuine saving is required

For further details and conditions on this great loan product please contact our office.

Quick Start Loan

A perfect loan for all those people with no genuine savings but wanting to enter into the property market. This loan product offers a very competitive interest rate.

Loan Purpose:
For the purchase of a property – NO GENUINE SAVINGS

Loan Amount:
$50,000.00 - $1,000,000.00

Maximum of $750,000.00 or 95% of the purchase price whichever is the lesser

Monthly Fee:
NO MONTHLY FEE!

Repayment Frequency:
Weekly, Fortnightly, Monthly

Redraw:
Yes

Redraw Fee:
NO FEE! for telephone and internet transfers

Rate Saver Loan

The Edge Home Loans offers a great low rate home loan to all our clients. For details on the current interest rate please contact our office. The loan features are as follows:

Loan Purpose:
For Refinance or purchase of a property.

Loan Amount:
$50,000.00 - $500,000.00 to a maximum of 97% of the purchase price

$50,000.00 - $500,000.00 to a maximum of 95% of the security property value for refinance or 95% of the purchase price for an investment property purchase

Loan Term:
15 – 30 Years

Repayment Frequency:
Weekly, Fortnightly, Monthly

Redraw:
Yes

Redraw Fee:
NO FEE! for telephone and internet transfers

Monthly Fee:
$25

For all other features and details relating to the above three loan products please contact our office.

The above loans are all funded through our primary lender Perpetual Trustee Company Limited.

Employee LoDoc

This is a loan created for people who are employed by a  business or company but who can not provide the necessary documentation to verify their income. The interest rate is generally slightly higher then a standard loan and you must have a minimum of 20% deposit or equity in your  property.
 

Self Employed LoDoc

This is a great loan offered to self employed applicants. It is similar to an Employee loan whereby income verification is not required. Many self employed people for various reason may not have
their past two years tax returns up to date. Some lenders will categorise  your loan depending on the level of documentation provided, your rate is then adjusted accordingly.
 

Premium Loans

We also offer a number of other premium loans:

No Deposit loans

Construction Loans

Vacant land

Commercial Loans

Personal Loans          

In many instances you may need a more specialised loan. This is not a problem. The Edge Home Loans has access to over 25 other lenders we use on a regular basis to assist our clients in obtaining finance.

Our promise to you is we will get the best loan for you by listening to what you say. We look at your financial and life style needs and tailor a loan to you.

Special Offers

The Edge Home Loans has a number of special offers available to our clients. These offers will differ from time to time and have specific conditions to qualify each loan for the discount or promotion. For details on the Terms and Conditions on these offers please contact our office.