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Loans – The Costs, Types and Graphs

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Loans – The Costs, Types and Graphs. 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 - PowerPoint PPT Presentation

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Page 1: Loans – The Costs, Types and Graphs

Loans – The Costs, Types and Graphs

Page 2: Loans – The Costs, Types and Graphs

Home Loan CostsHome 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)

Page 3: Loans – The Costs, Types and Graphs

More CostsLenders Mortgage Insurance

Mortgage Registration, Property and Mortgage Stamp Duty

Legal Fees

Building inspections

Pest and Termite Inspection

Page 4: Loans – The Costs, Types and Graphs

Let’s buy a houseANZ Loan Fee Calculator

http://www.anz.com/common/calculators/homeloanfee/exampleau.asp
Page 5: Loans – The Costs, Types and Graphs

Types of Home LoansStandard 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

Page 6: Loans – The Costs, Types and Graphs

Loan Graphs

Page 7: Loans – The Costs, Types and Graphs

Reducing Balance Loans

Page 8: Loans – The Costs, Types and Graphs

Reducing Balance Loans

Page 9: Loans – The Costs, Types and Graphs

Reducing Balance Loan Graphs

Spreadsheet

Page 10: Loans – The Costs, Types and Graphs

Flat Rate Loan Graphs

Spreadsheet 2


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