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Find a loan with the lowest fees and rates. Use independent online software to see how much interest you will pay over a given period. You can also use online software for quick loan pre-approval. Most mortgagees also require a 'security property', which is another property that can be sold in the event of the mortgagor (you) not repaying the loan. If you ask another person to guarantee your ability to repay the loan, be truthful, so they can make the right decision.   kellyjones00 (593)

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Sometimes unions and superannuation funds offer discounts on home loans offered by banks they associate with.   kellyjones00 (593)

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Some general tips: - A fixed-rate loan is a more reliable indicator of the total amount paid in interest. - Opt for a loan that doesn't penalise early repayment, just in case a relative dies and gifts you a lump sum. - The lender may also offer discounts on home or builders insurance, or bank accounts. - Don't go with a small shop-corner lender.   kellyjones00 (593)

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