Mortgage Select: Australian Mortgage Exchange 

Mortgage application selection:

Australian Mortgage Exchange have a wide range of mortgage solutions for every situation and circumstance. Please select a mortgage loan for the selection below and then apply online.

No savings, 10% deposit mortgage:

• No savings, 10% deposit mortgage
  • 90% mortgage
  • 10% deposit need not be saved, and can be from any source including:
    • Borrowed
    • First home owners grant
    • Gift from parents
  • Competitive interest rates, below most bank standard variable.

  Apply here now

Mortgage refinancing :

• 5% equity required if only one loan refinanced
  • 95% mortgage
  •   5% equity left in home after refinancing.
  • Competitive interest rates, below most bank standard variable.

  Apply here now

Debt consolidation mortgage:

• 10% equity required where several debts are to be consolidated into the mortgage.
  • 90% mortgage
  • 10% equity left in home as a minimum after consolidation:
  • Consolidate many loans into one low repayment including:
    • Existing mortgage [required]
    • Personal loans
    • Credit Cards
    • Store cards
    • Car loans
  • Competitive interest rates, below most bank standard variable.

  Apply here now

97% LVR mortgage:

• 97% LVR mortgage
  • 3% saved  over 6 month essential minimum.
  • Also must have application and establishment fees and mortgage insurance, but can be grant or gift. [Allow 2% to 3% of loan amount]
  • Low other credit essential.
  • Good credit essential.
  • Stable work history.
  • Expect very competitive rates. [under most bank standard variable rates]

  Apply here now

95%LVR Line of credit mortgage:

• 95%LVR Line of credit mortgage
  • 5% saved over 6 months minimum
  • Same jobs at least 6 months full time all applicants.
  • Must also have around 2% allowed for costs including valuation and mortgage Insurance.
  • Minor credit problems may be accepted if dealt with 6 months before applying.
  • Competitive rates.
  • Direct salary crediting possible.
  • Credit card and cheque book attached to loan as options.

  Apply here now

Jumbo mortgage:

•  80% LVR Jumbo loans
  • Loans up to $2 million per security.
  • Fully verified loans for credit worthy people wanting to buy properties of over one million dollars.
  • Need at least 20% deposit, or equity if refinancing for best rate offer.

  Apply here now

80% LVR Lo doc mortgage:

•  80% LVR Lo docs
  • Ideal for self employed or full time property investor with no financials prepared to satisfy normal lending criteria.
  • 2 years in business required ABN.
  • Paperwork less demanding on serviceability and self certification required.
  • Need at least 20% deposit, or equity if refinancing for best rate offer.
  • Competitive rates, with options to reduce to below most bank standard variable rates:
    • As soon as the income can be verified or,
    • Automatically after a satisfactory repayment history.[24 months]

  Apply here now

65% LVR No financials mortgage:

•  65% LVR No financials mortgage
  • Ideal for self employed.
  • No track record in business.
  • Paperwork less demanding on serviceability and self certification required.
  • Need at least 35% deposit, or equity if refinancing for best offers.
  • Rates about 1% more than standard variable, but options to reduce to lenders standard variable:
    • As soon as the income can be verified or,
    Automatically after a satisfactory repayment history.

  Apply here now

20% non-residents [Overseas investor] mortgages:

• 20% non-residents [Overseas investor] mortgages
  • Investors from other countries can now invest in Australian Property.
  • You must be Foreign Investment Review Board approved.
  • Must have 20% deposit as a minimum plus your costs to complete settlement.

Apply here now

Up to 95% mortgages for Australians working overseas: 

• Up to 95% mortgages for Australians working overseas 
  • Australians residing and working overseas can now get invest or refinance in Australia as if they were here.

  Apply here now

NZ to Aus investor mortgages:

• NZ to Aus investor mortgages
  • We can now use the equity in New Zealand property to invest in Australia.

  Apply here now