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Loans – The Costs, Types and Graphs

Navigate the complexities of home loan costs, types, and visualizations. This guide covers essential fees such as application, establishment, service, and legal fees, alongside Lenders Mortgage Insurance and stamp duties. Explore the various types of home loans, including standard variable, fixed rate, and low deposit options. Gain insights from graphs that illustrate reducing balance and flat rate loans, helping you make informed financial decisions when purchasing a home. Use tools like the ANZ Loan Fee Calculator to simplify your loan process.

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Loans – The Costs, Types and Graphs

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  1. Loans – The Costs, Types and Graphs

  2. Home Loan Costs • Home Loan Application and Lender Fees Depending on the lender these fees will differ, but could include: • Loan application fee • Loan establishment fee • Service fee • Valuation fee • Legal fees (mortgage related) • Account transactions fees • Exit fees (or Deferred Establishment Fees)

  3. More Costs • Lenders Mortgage Insurance • Mortgage Registration, Property and Mortgage Stamp Duty • Legal Fees • Building inspections • Pest and Termite Inspection

  4. Let’s buy a house • ANZ Loan Fee Calculator

  5. Types of Home Loans • Standard Variable Home Loan & Basic Variable Home Loan • Fixed Rate Home Loan • Combination or Split Home Loan • No Deposit – Low Deposit Home Loan • Introductory or Honeymoon Rate Home Loans • All-In-One Home Loan • Line of Credit/Equity Home Loans • Loc Doc Loan • Bridging Home Loan • Interest Only Home Loan

  6. Loan Graphs

  7. Reducing Balance Loans

  8. Reducing Balance Loans

  9. Reducing Balance Loan Graphs • Spreadsheet

  10. Flat Rate Loan Graphs • Spreadsheet 2

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