eChoice offers a variety of home loans and chances are that one of our lenders has got a loan option that’s just right for you. We specialise in refinancing and home loans for first home buyers, property investors, next home buyers and commercial property loans, and can help with fixed, variable and split-rate loans and everything in between. Our minimum loan size is $100,000, so bear that in mind when you’re making an enquiry.
No, comparing loans with eChoice won't affect your credit score, as we do not check your information with any third party at this early stage.
If you decide to proceed with applying for a home loan, this will affect your credit score.
Answer a few basic details – this will take you about 60 seconds – and we'll let you know your borrowing power, monthly repayments, stamp duty, mortgage registration and transfer fees and any concessions you're eligible for.
You've now completed your research online and are ready to speak to an eChoice home loan consultant. This is where the fun begins! One of our experienced Home Loan Consultants will contact you soon after you submit your details to confirm the information you've provided and check what options we have available for you.
Your Consultant will put you in touch with a Home Loan Manager to complete the application over the phone and online, without leaving your home.
Next, your Home Loan Manager will next work with you to complete all required documentation to process your loan application. We will help you understand all key decisions, negotiate rates on your behalf and match you to a loan.
They will notify you once your application is submitted and issue a Letter of Offer. This will need to be signed and returned to your Home Loan Manager who will take care of the rest. Then it's just a matter of waiting for approval.
You're at the final stage now! Your Home Loan Manager will confirm your settlement date and arrange for the settlement of your new home loan.
This is a process where titles are exchanged and the bank registers a mortgage over your property. Once this is confirmed, it's time to congratulate yourself!