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Self-employed & non-conforming

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.

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Investor

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.

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Refinance

Don't get complacent with your home loan. If it's not quite right for you and your situation, it could be costing you thousands of dollars! Request a no-obligation appointment with an Aussie Mortgage Adviser and we'll compare your loan against the hundreds on our panel to discover what you could save.

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First Home Buyers

Buying your first home is exciting, but it can also be a little daunting. We're here to make it as easy for you as possible, so we've provided this handy introduction to buying your first home.

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Types of Loans

There are thousands of different home loans on the market, all with different features, benefits and costs. Aussie makes the choice simple with Mortgage ExplorerTM and expert guidance. Here's a snapshot of the different loans that are available: Your Aussie Mortgage Adviser will explain which loan type could suit your needs, as well as the different requirements of the various lenders. Book an obligation free appointment today or locate an Aussie Mortgage Adviser near you.

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Arranging your move

You need to decide if you are going to hire a removal company or if you are going to move your possessions yourself. Issues that might affect your decision could be the distance involved, the volume which has to be moved and the costs. If you do decide to use a removal company, make sure that you choose a reputable one. Make sure that all your requirements are made clear up front, establish what your expectations are and what the removal company offers. Discuss the cost of the move. Does it include boxes and packing, and insurance if anything is damaged or misplaced? Insurance cover is normally an optional extra.

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Seller's checklist

Seller's checklist

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Cancelling your home loan

You send us instructions to cancel your home loan Our home loans department must receive a written request from you, your bank branch or attorney to cancel your home loan. Complete exact cancellation figures We advise your attorney to attend to the cancellation of the outstanding capital amount and interest, plus any other costs that are required to settle the account.

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What are the costs involved in cancelling my home loan

The cancelling attorney who acts on our behalf will charge a fee. If you have a fixed or capped interest rate option loaded to your account, then an additional finance charge is payable. You are required to give us at least 90 days' written notice of your intention to settle your home loan. Should you not give us the required notice we are entitled to charge 90 days’ interest in lieu of notice.* If you take out a new Standard Bank home loan and it is registered within six months of the cancellation of your previous bond, the early termination interest will be credited to your new home loan account.

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Pricing your home

You should always price your home correctly so that it sells. This means you should price it within the market range - because you want the fastest possible sale at the highest possible price. This is known as priced to sell.

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