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Forms and Instructions

The Easy mortgage application form
Forms for Non-Banking Product Customers:
Forms for Bank Product Customers:
Other Link:
* Money Smart: www.moneysmart.gov.au* Top Broker: www.topbroker.com.au* MFAA: www.mfaa.com.au* DocuSign: www.docusign.com* Acapitalloans: yun.baidu.com
Business loan
From $10k-$250k Firms operating minimum 18months Turnover $200k Apply Online
Personal loan P2P
From $2001-$45000
From 6 month to 5 years
No exit fees or early repayment penalties (Terms and Condition apply) Apply Online
Bank Commercial Loan—(Le Trobe)
From $50,000-$100,000
70% LVR Maximum
80% Rental Income, Income deemed at 3.9% (6.99% p.a.*)
Private Fund Commercial Loan—(Le Trobe)
From $100,000-$5,000,000
5 Years Maximum
75% LVR
Bank Home loan Second Mortgage
Owner OccupieInvestmentFrom$10,000-$5,000,000
(Variable rate / Fixed XX years rate)70% LVR maximum
4.09%PA 4.10%PA 2% interest per month (3%pa)*
(4.72%p.a.)* (4.97%p.a.)*
*Interest Rates are correct as at xx/xx/xxxx and subject to change at any time. The comparison rate is based on a loan amount of $150,000, over a 25 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Terms, conditions, fees and charges apply.
*This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Standard variable rate home loans

Standard variable rate home loans are the most popular type of loan in Australia because of their flexibility. The interest rate applied to a standard variable rate loan fluctuates over time depending on the official Reserve Bank interest rate and your bank's interest rate settings.

Fixed rate home loans

Fixed-rate home loans are where the interest rate and loan repayments are fixed for a set term, usually between six months and 10 years. If you require certainty of repayments, a fixed rate loan will suit you. At the end of a fixed term,the loan will roll over into a standard variable rate home loan, unless you have negotiated something different with your bank.

Introductory or honeymoon rate home loans

Introductory or honeymoon rate home loans provide you with a percentage of the standard variable interest rate for a set period of time, usually one year. After this period the loan will usually revert to a standard variable rate home loan. Introductory rates are among the lowest available and are often used by first home buyers.

No deposit home loans - 100% home loans

Most loans require a deposit of five per cent or more. No deposit or 100 per cent home loans, however, remove the need to save for a deposit by providing you with 100 percent of the purchase price of the property. First home buyers and people re-entering the property market will find this loan useful. A 95 percent loan with Lenders Mortgage Insurance capitalized into the loan will also be suitable if you have a small deposit.

Combination or split home loans

Combination or split home loans enable you to take part of your loan as a variable rate loan and the remaining portion a fixed rate loan. Use this loan to take advantage of the flexibility of variable rate loans and the certainty of fixed rate loans. Combination/split loans are ideal if you want some repayment certainty but the also the option to make additional repayments to reduce your loan balance.

Line of credit/equity loans

A line of credit or revolving credit home loan, also known as an equity loan, is a loan facility secured by a residential property, which allows you to withdraw funds up to a set limit at any time. Generally, a line of credit is an interest-only loan, and in some cases, you may be able to capitalize the interest payments. Investors often use this type of loan, particularly when expanding a property portfolio. Interest rates are usually higher than for a standard variable home loan.

Low documentation and no documentation loans

Low Documentation, or Low Doc, home loans require very little or no income documentation to secure approval. The less documentation you provide, the higher the interest rate on the loan is likely to be. They are ideal for self-employed borrowers.

Non-conforming loans

Non-conforming home loans are designed to meet the needs of borrowers who do not meet the criteria of mainstream lenders, including those who are credit-impaired, older borrowers, new residents and seasonal or casual workers.
Australia Capital loans Pty Ltd Trading As Acloan, ABN:64 602 827 163Tel: +61-2-9188 3333,Fax: Email: info@acloans.com.au, Moblie +61430611338Website: www.acloan.com.au
Australia Capital loans Pty Ltd Trading As Acloan, ABN:64 602 827 163