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EQUITY FINANCE MORTGAGE LOAN ADVICE FOR AUSTRALIAN BORROWERS
Information, money saving tips and commentary on Equity Finance Mortgage Loans in Australia

Equity Finance Mortgage Home Loan



The best place to start your home loan search

What is an Equity Finance Mortgage Home Loan?

Essentially an Equity Finance Mortgage it is a home loan offering for owner occupiers only, where you joint venture with your lender. Your lender takes a stake in your property in lieu of regular monthly repayments or interest during the life of your loan. At end of the loan period you still owe the full amount of the original loan.

When you come to sell your property or pay off your loan, you repay the original amount borrowed using the Equity Finance Mortgage plus up to a 40% share of any increase in the value of your property. Conversely, if you ever have to sell your property at a loss, your lender will possibly share up to 20% of any realised loss on your property. There are rules about who you can sell to if you have to realise a loss, including, not selling to a related party.

Application procedure is similar to all other home loan types. So Lenders Mortgage Insurance may be payable if your LVR is not within your lender’s guidelines. By using an Equity Finance Mortgage in conjunction with a traditional home loan, it is possible to reduce monthly loan repayments by as much as 25% from what you would other wise have to pay, using a traditional home loan only.


EQUITY FINANCE MORTGAGE ONLY FOR OWNER OCCUPIERS
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Home Loan Resources
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The best place to start your home loan search

The Tomorrow Finance provide a Free Home Loan Quote service for Australian home owners and real estate investors. Ask them for a Free Quote on a Home Loan or Investment Property Loan.
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