Home Loans

Sorcom Home Loans

At Sorcom Home Loans our team of consultants are fully trained, giving you a wide range of lenders & products to choose the right mortgage to meet your needs.

How would you like to realise the great Aussie dream?

Own your own home. We can show you how to cut your existing monthly repayments 20% or more and how to buy a 25% more valuable home without increasing your repayments.

Your mobile consultant will come to you day or night and help you understand each product and more importantly the right home loan.

All this at no extra cost to you.

An appointment will take approximately 1 hour during which time our trained staff will listen to your needs then explaining your best options.

Your Sorcom Home Loan Consultant is a home loan expert, fully trained, offering specialised assistance to help choose the right loan for you. What's more, your Sorcom Home Loan Consultant will help you, make sense of the home loans jungle.

Whichever loan you choose, you can be sure it's the right one.

What should I ask for when applying for a loan?

  • How much can I borrow?
  • What will my repayments be?
  • Will I have to pay mortgage insurance?
  • Do I qualify for the First Home Owners' grant?
  • How can I save money on my home loan?
  • How can I pay my home loan off sooner?
  • What is the best type of loan for my situation?

What information do I need for my loan?

Income:

  • Current payslip plus last two year's group certificate.
  • If self-employed, last two years' personal and business tax returns and ATO assessments.

Savings:

  • Bank statements showing six months' savings history.
  • Copies of the purchase contract.
  • Investment: lease, rent appraisal or evidence of receipt of rental income.
  • Refinancing: past 12 month's statements for existing loan, copies of rate notices and fire insurance policy.
  • Building: provide a copy of council approved plan, specifications and builder's fixed price tender.
  • Means of identification : driver's licence, passport etc.

Finance & Loan Products

The following is a brief overview of the Sorcom Home Loan product range. We offer many types of home loans, investment loans, construction loans and all-in-one accounts.

How would you like to realise the great Aussie dream?

Own your own home. We can show you how to cut your existing monthly repayments 20% or more and how to buy a 25% more valuable home without increasing your repayments.

Standard Variable Home Loan

  • Choice of Standard Variable, Basic Variable or Fixed Rate loans for owner-occupiers and investors
  • No monthly fees
  • Redraw available
  • Monthly or fortnightly repayments via Direct Salary Credit or Direct Debit
  • Split loan and loan portability available

First Home Buyer

  • Offers the same low rates and features as our Standard Variable Home Loan
  • Use your First Home Owners Grant and/or monetary gifts as part of your deposit.

All-In-One

  • Standard variable rate loan and transaction account combined
  • No monthly account fees
  • Competitive variable interest rate

Personal Loans

A personal loan from one of our lenders is a quick and easy way to obtain finance. Whether you're in the market for a well-earned break, or you're just looking for a hand to help tie up those loose ends

Line of Credit

  • 10 year interest only variable rate and transaction account combined
  • No transaction fees
  • Competitive variable interest rate
  • Multiple splits
  • Ability to capitalise interest each month up to your facility limit

Investment Loan

  • Offers the same low rates and features as our Standard Variable Home Loan
  • Opportunity to take advantage of tax savings, provide your family with long term security or build a nest egg for your retirement

Non-Conforming Loan

  • Loans available for customers with an impaired credit rating, low documentation for self-employed, unusual deposit sources, welfare recipients or customers who want to maximise their home equity by borrowing more than 90% of the property value

Lo Doc

  • This loan will assist you in overcoming the normal paperwork barriers

Asset Lend

  • Another loan that helps you overcome the paperwork barrier

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