Learn about different loan types that exist in the market

Types of Loans

A fixed loan is a loan type where a certain period of time is agreed upon for freezing the interest rate amount. During this time, the repayments and interest rates remain unchanged. This does not alter even with the changing market conditions.

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Variable loan is a loan type in which the rate of interest varies (goes up and down) based on any changes incurred in the Reserve Bank of Australia. The interest rate associated with the outstanding balance is varied according to the market rates.

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A split loan allows the borrower to split the home loan into different account based on which the different rates of interest are incurred. The allocation of the amount dedicated to each account is at the discretion of the borrower and as agreed by the lender. The two components of the split mortgage include variable and fixed rate.

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A bridging loan acts as an additional loan on the existing loan for the existing property. The bridging period refers to the time wherein you are trying to sell your old property while acquiring a new one.

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The construction loan type is suitable for those, who are planning to make renovations or building a new home. The loan is obtained stage-wise, wherein the amount can be obtained as the work on the home progresses.

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Under this loan type, the borrower is required to pay for the interest only during some part of the term or all the term. The principal amount remains unchanged for the duration of the interest-only time.

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The line of credit pre-sets a limit on the amount that can be borrowed at any given time. Until this limit is attained, the amount can be borrowed and repaid at the convenience of the borrower.

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Low doc loan type enables a borrower with limited income, assets and employment proof apply for a mortgage. This is a suitable loan option for people with variable monthly income amidst uncertain financial situations.

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Why is it a smart choice to contact our mortgage brokers

Your expert guide in home buying journey

It is not an easy task to buy your first home. In fact it sure is one of the biggest financial decisions one makes in a lifetime. There is too much to know as it will be a completely new learning curve and no doubt there will be a lot of anxiety.

Therefore it definitely helps to have someone by your side throughout the home buying journey, making sure you understand the process every step of the way.

More options for all client profiles

Type of employment can have a bearing on what loan option and which bank will be best suited for you. We get cases for a lot of self employed clients who say that it has been difficult for them to get the desired loan. Our brokers specialise in loan applications for all types of employment. Whether you are self employed or on a casual or part time employment or having irregular incomes, our brokers have in-depth knowledge of the bank policies and can suggest a loan solution as per your unique situation.

Access to a wide range of loan products

Our brokers work for your benefit. They are not working for a particular bank, or vendor or any real estate agent. They have just your best interest in mind and therefore can compare a wide range of loan products.

Personalised attention

With Nfinity Financials you will get a personalised attention to your requirements, which you may not find with big corporate style financial institutions or banks. Our clients are our first priority.

Our Client Testimonials

See what our customers have to say about Nfinity Financials products, people and services.

“Parag and his team are very helpful and they really made our home loan journey very easy. Parag is always available to clear any doubts and the team was very proactive as well…”

Akhilesh Raj
Submitted on Dec 2020

Excellent Service!!
“Parag got us the best and quickest deal we could possibly hope for. We were in a bit of a crunch with the timelines, however Parag followed up regularly with the bank…”

Basheer Unnisa
Submitted on 15 Sep 2020

“I had a great experience with Nfinity Financials. Excellent service. Parag is the best mortgage broker helping his clients by going above and beyond to get the best deal for their mortgage…”

Himani Badmalia
Submitted on Aug 2020

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Our mission is to provide reliable, quick and trustworthy mortgage services.


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