Home Loans

Variable Rate Home Loan: The interest rate on this loan can fluctuate with changes in the market interest rates. Payments may increase or decrease based on economic conditions.

Fixed Rate Home Loan: Offers a fixed interest rate for a specified period, usually between 1 to 5 years. Monthly repayments remain consistent during the fixed term.

Split Rate Home Loan: Allows you to divide your loan into both fixed and variable portions. Provides a balance between the stability of a fixed rate and the flexibility of a variable rate.

Interest-Only Home Loan: Allows you to only pay the interest on the loan for a specified period, typically up to 5 years. Principal repayments start after the interest-only period.

Principal and Interest Home Loan: Requires borrowers to repay both the principal amount and the interest. Common for standard home loans.

Low Deposit Home Loan: Designed for borrowers with a smaller deposit, often with a Loan to Value Ratio (LVR) above 80%.Lenders may require lenders mortgage insurance (LMI) for higher LVR loans.

Construction Loan: Specifically for building a new home or renovating an existing property. Funds are released in stages as construction progresses.

First Home Buyer Loan: Tailored for individuals purchasing their first home. May offer special incentives or lower deposit requirements.

Offset Account Home Loan: Links a savings or transaction account to your mortgage, reducing the interest payable on the loan. The balance in the offset account is subtracted from the loan balance for interest calculations.

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Who is Ka-ching

At Ka-ching Finance, we recognise that for many clients, it's not just about getting the loan.
We provide an end-to-end solution for clients who want to start or grow their property portfolio. How?

STRATEGY

Strategy is absolutely essential to the home buying process. We understand that starting a property journey can be overwhelming, which is why we offer a personalised approach, by working with you to identify your financial situation, goals, and preferences to develop a mortgage strategy that suits your needs.

STRUCTURE

We are dedicated to aiding you in navigating the diverse landscape of mortgage products offered by various lenders. Our team works diligently on your behalf to identify the optimal mortgage loan tailored to your requirements, serving as intermediaries to facilitate the loan securing process.

SUPPORT

We utilise the latest research, data and insights to provide total due diligence on properties you're looking to purchase. At Ka-ching, Finance we're more than your typical mortgage broker. From finding the property, financing the purchase and securing your investment success for the long term - we're by your side.

Our Lenders

With thousands of mortgage products from over 35 lenders, whether it's a first home, an investment property, refinancing or a construction loan, we’re confident of finding you the right home loan match!