Loan Select Tablelands
Property Loan in the Tablelands
We’re a one-stop shop with hundreds of loan options available from across Australia’s leading lenders.
PLAN & PREPARE
Tablelands Property Loan
Buying a property is a major financial decision, and it’s important to have the right support from the start. At Loan Select Tablelands, we help clients across the Tablelands navigate the property purchase process with clarity and confidence.
Whether you’re upgrading your home, relocating, or entering the market as a buyer, we provide tailored guidance based on your income, goals and deposit. As MFAA and FBAA-accredited brokers, we can access a broad range of lenders to help you secure a loan that fits your needs.
Alongside property loans, we also assist with first home buyer loans, refinance options and commercial property finance, so you have access to ongoing support beyond your purchase.
We explain how much you may be able to borrow, outline your loan structure options and support you through pre-approval and settlement. If you’re preparing to buy, call us on (07) 4091 4766 to talk through your next steps.
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Step-by-Step Guidance
What’s Involved in Buying
We take the time to ensure you understand each stage of the home-buying journey. From budgeting to loan settlement, we’re here to guide you with informed, personalised advice.
- Help calculate your borrowing power
- Support with savings & deposit planning
- Pre-approval & full loan application
- Explanation of fixed vs variable rates
- Guidance on loan features like redraw & offset
- Help you understand lender & government fees
- Assistance coordinating with solicitors & agents
- Post-settlement check-ins to review your loan
We ensure you’re fully prepared—both financially and practically—so you can move forward with confidence. If you’re unsure where to begin, we’ll help you break it down step by step. Reach out to our team today to get started.
Need Help?
Frequently Asked Questions
What should I consider when choosing a home loan to purchase property?
When selecting a home loan for property purchase, consider interest rates, loan features, fees, and your repayment capacity. Fixed loans offer repayment stability, while variable loans may offer greater flexibility. Features like offset accounts or redraw facilities can help reduce interest over time. It's also important to check comparison rates, understand the loan term, and calculate how upfront and ongoing costs will affect your budget. Choosing the right loan depends on your financial goals, lifestyle, and whether you plan to live in or invest in the property.
Can I buy a property without a 20% deposit?
Yes, it’s possible to purchase a property with less than a 20% deposit, but you’ll usually need to pay Lenders Mortgage Insurance (LMI). LMI is a one-off fee that protects the lender if you default on the loan. Some borrowers may also qualify for low-deposit loans through guarantors or government assistance schemes. These options can help first-time or lower-income buyers enter the property market sooner but may come with stricter lending criteria or higher long-term costs.
What is a property settlement and how long does it take?
Property settlement is the legal process of transferring ownership from the seller to the buyer. It typically takes 30 to 90 days after the contract is signed, though this can vary based on what’s negotiated between the parties. During settlement, your lender finalises the loan, legal documents are completed, and the remaining purchase price is paid to the seller. A solicitor or conveyancer usually handles the process on your behalf to ensure all legal and financial obligations are met before you take possession.
