Whether you're building a nest egg or want to take advantage of tax savings, investing in property or other assets can be a great way to build wealth. It's attractive for several reasons including rental income, capital growth and tax effectiveness. Plus with the right investment loan you may be able to use the equity you've built up in your own home and make your money work harder.

Everyone's different. Perhaps you are unable to provide the required supporting documentation, are borrowing more than 100% of the property value or have an impaired credit history. If you're self-employed, chances are your personal and business finances are all linked together and your financial needs don't fit into one standard box. . Whatever the case, Aussie now offers hundreds of home loans from the major banks, other lenders and Aussie to suit almost every situation. Request an appointment today to discuss your unique lending requirements, as well as some great ways to save.

When assessing the cost of a home loan, you need to consider not just the interest rate, but other costs too, such as ongoing fees, and up-front charges. As these can vary between lenders and loans, the comparison rate was created to give borrowers a better indication of the real cost of a loan. The comparison rate is one indicative interest rate that lets you compare the total cost of a loan between products and lenders. Calculated using a standard formula, it takes into account the amount and term of the loan, the repayment frequency, the interest rate and fees and charges associated with the loan. This helps you obtain a more comprehensive picture of what your home loan is going to cost you over the life of the loan.

Here are some questions you should ask any financial institution before borrowing.

Location counts. You've probably heard the old real estate joke about "location, location, location," but the point still bears repeating. Location is crucial. How far are you really willing to travel to your place of employment? How good are the local schools, shopping centres, public transport and other public facilities? Make a list. Do you (and your partner) really know what you need and want in your home? You'll save yourself many hours of looking if you make a list ahead of time. Focus in on the features you must have, would like to have, definitely don't want and would prefer not to have. Tip: Start compiling your wish list by thinking about what you like and dislike about your current home.

Don't forget to include the following documentation with your completed and signed application form. Income Current pay slip plus last two group certificates If self empoyed, last two years personal and business tax returns and assessments Savings Bank Statements showing six months saving history If you've received a cash gift, a warranty from the provider Other Copies of the front page of the purchase contract Certificate of title (Victoria only) Investment - lease, rent appraisal or evidence of receipt of rental income Re-financing - past 12 months statements for existing loan(s), copies of rate notices and fire insurance policy and certificate of title (Victoria only) Building - provide a copy of plan, specifications and builder's fixed price tender Application Fee. Credit card details or cheque made payable to Aussie

Let's be honest. Some financial jargon can leave you scratching your head. So, here's a list of the most commonly used home loan words or phrases, and what they mean. In plain English. Simply click on a letter from the list below, or scroll down to find the word you're looking for.

Got a question? Below is a list of answers to the questions most commonly asked by customers and past visitors to our site. Simply click on a question below to see the answer. Still can't find the answer you're looking for? Why not try the search function located in the upper right hand corner of this page.

There are thousands of different home loans on the market, all with different rates, fees and features. If you haven't already decided, the following might help you choose the type of loan that's best suited to your situation. Home loans are generally categorised under: Contact Consumer First Lending Services today and we will individually tailor a loan or combination of loans to suit your requirements. We are Putting the Consumer First!

Buying your first home is exciting, but it can also be a little daunting. At Consumer First Lending Services, we're here to make it as easy for you as possible, so we've provided this stress-free introduction to buying your first home.