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Australian Capital Home Loans - the home loan specialists

Australian Capital Home Loans offers Australian residents the opportunity to invest in their own homes.

We offer so much more than the financial assistance to buy that dream home.

A range of flexible products

Our Loyalty Loan helps you pay off your home loan sooner. You get a bonus payment into your loan account quarterly. This reduces the term of your loan, and additionally the number of interest paid.

Home loan tips for our clients 

Making further repayments and regular payments both consistently and, ad-hoc extra repayments like bonuses and tax returns, work to scale back the principal of your mortgage quicker.

The sooner you start creating extra repayments, the larger the profit in terms of your time and cash saved.

Reduce your loan balance faster

Make sure you make your instalment is on time every month to avoid going into arrears.

If your loan instalment is calculated monthly, you'll be able to build extra savings by paying fortnightly instead. This technique can eventually have you paying one month less off your mortgage once a year, reducing the loan balance quicker.

Plan for the longer term

Planning on starting a family within the next few years? Your family may need to survive on one financial income for a short time.

Several young families make the common mistake of not actually realising the financial impact of this, so it’s best to set up for any contingencies now before your family comes along.

Before you get your new home to confirm you'll be able to handle any future fees should you opt for the variable rate home loan option.

Advice worth considering

If interest rates fall, do not lower your monthly repayments. Take advantage of it by making an attempt to keep up the recent level of repayments. You will pay off your loan sooner and save yourself a bundle.

You are effectively creating regular further repayments, as a result, you are paying more than what you need to and getting your home loan paid off sooner.