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"A Second Chance Offer" Scenario A client needed to refinance their non-conforming mortgage and ancillary debts. Due to health issues, the client was three months in arrears on their mortgage and unable to catch up. >> More Mortgage Scenarios

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Home Loans - Reduce Monthly Home Loan Repayments

Phone 1300 780 050 or Apply Online and we will reply to you within 15 minutes on any business day. Please stand by your phone to take our call

Do you have a impaired credit file and is this stopping you from getting a home loan.
There are now lenders that will loan you money at very competitive interest rates even if you had credit problems in the past and even if you have defaults today.

At Dreamloans, we can help you if you are in the following position:

Have defaults, judgements or court writs on your credit rating report;
Are a discharged bankrupt;
Refused finance from the banks;
Recently divorced;
Outstanding tax debt/bill (ATO), including serious arrears;
Forgot to pay your telephone bill/electricity bills & credit cards
Arrears on your current home loan with your current bank/finance lender;
Self employed (With or without financials)
Recent immigrant
Non Resident - Investment/Business Use Only
Short Term Employment
Favourable Purchases (see below);

Imperfect Credit? Not a problem at Dreamloans!
Had a setback? Looking to re-establish your credit? Dreamloans can help with your home financing needs even if you have imperfect credit. Consolidate high interest and credit card debt
To us, your future is more important than your past.

Different types of Income
Do you get income from any of these sources:

WorkCover
Government Pensions & Allowances
Maintenance
Board
Superannuation
Rental Income
All types of income considered

Click here to apply now

What is a Favourable Purchase?
Are you purchasing a house from a family member or housing trust? If so, this may be considered as a favourable purchase which means.

Example:

Purchase Price: $200,000
Value of House: $250,000
Amount of loan required: $200,000 plus costs (stamp duty, conveyancing fees etc)

In the above example, the lender would base the maximum loan amount available on the valuation of the house ($250,000) rather than the purchase price ($200,000). Therefore, the lender is using the higher amount resulting in a higher loan amount available.

Want further details:

Sarah Redman - Team Leader -- Dreamloans Home Loans
Phone: 1300 780 050
Email: sarahr@dreamloans.com.au

What are the benefits of an "all in one" debt consolidation loan.
Significant savings can be achieved by the consolidation of your finances under the one umbrella. Home loan rates are generally lower than those of credit cards, personal loans, car loans or overdrafts.

By consolidating these loans into one home loan you are reducing the amount of interest you pay and it will allow you to "breathe" a little easier.

Click here to apply now

Are you struggling with a financial position like this?

Real Life Case Study:

Below we have listed a real life case study of a couple with an existing home loan and other loans such as a personal loan, car loan and credit cards.

There position was as follows:

Home Loan	$200,000 @ 7.57% per annum over 30 years	$1,408 per month
Personal Loan	$15,000 @ 12% per annum over 5 years	$333 per month
Car Loan	$15,000 @ 12% per annum over 5 years	$333 per month
Credit Cards	$20,000 @ 16% per annum (interest only)	$267 per month

TOTAL DEBT=	$250,000 @ $2,341 per month (or maybe worse?)

There position NOW!

The team at Dreamloans sat down with the couple and reviewed there situation and refinanced there home loan, personal loan, car loan and credit card all into one, therefore providing them with debt consolidation.

Home Loan	$250,000
TOTAL DEBT	$250,000 @ 7.04% per annum over 30 years	$1,670 per month

A saving of over $671 per month or $8052 per year.

That represents a saving of well over $200,000 over the life of the loan.

Important information about advice
As the advice on this website has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider the appropriateness to your circumstances.

How to apply for a Home Loan

Salary Applicants - First Home Buyers

100 Points ID:

Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account

70 Points
40 Points
25 Points

Last 2 most recent payslips;
Last copy of group certificate;
Centrelink statements (if any);
Copy of contract of sale (if any);
3 months bank statements of all savings account;
Print and fill in the home loan application form (PDF)
Print and fill in the first home owners grant application form

GET YOUR MORTGAGE

With OUR Proven Mortgage Broker Services........

..Without Time Consuming Office Visits

APPLY ON-LINE IN LESS THAN 5 MINUTES

If you answered "YES" and you want to take advantage of our mortgage broker services -- HERE ARE THREE EASY WAYS TO GET STARTED:

CLICK HERE TO APPLY ON-LINE
Remember...there are NO initial checks, NO upfront costs and NO obligations. If you are not satisfied with our car loan offer -- you pay nothing!

CLICK HERE TO PRINT & FAX APPLICATION
Our on-line application is on a secure server but if you are concerned about internet security then print our 'printable' application and fax it to ...
FAX: 1300 882 968

APPLY OVER THE PHONE
You can apply over the phone during our business hours 9 AM to 5 PM - MONDAY TO FRIDAY
Call: 1300 780 050

When you apply on-line you will receive a reply within 15 minutes to your request (during our business hours) with the actual approvals delivered to your email box. We'll do our best to deliver your approval to you quickly.

P.S. That's all it's to it... no running around... no time consuming appointments... no office visits.. no initial credit checks... and the lowest interest rates around !

Salary Applicants - Refinancing

100 Points ID:

Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account

70 Points
40 Points
25 Points

Last 2 most recent payslips;

Last copy of group certificate;

Last 6 months bank statements of current home loan;

Last 6 months bank statements of all loans being refinanced ie. credit cards, personal loans;
Last months bank statements on all savings accounts;
Centrelink statements (if any);

Copy of recent water & council rates

If you have investment propertie(s), provide tenancy agreement, copy of council rates notice/water rates notice;

Print and fill in the home loan application form (PDF);

GET YOUR MORTGAGE

With OUR Proven Mortgage Broker Services........

..Without Time Consuming Office Visits

APPLY ON-LINE IN LESS THAN 5 MINUTES

If you answered "YES" and you want to take advantage of our mortgage broker services -- HERE ARE THREE EASY WAYS TO GET STARTED:

CLICK HERE TO APPLY ON-LINE
Remember...there are NO initial checks, NO upfront costs and NO obligations. If you are not satisfied with our car loan offer -- you pay nothing!

CLICK HERE TO PRINT & FAX APPLICATION
Our on-line application is on a secure server but if you are concerned about internet security then print our 'printable' application and fax it to ...
FAX: 1300 882 968

APPLY OVER THE PHONE
You can apply over the phone during our business hours 9 AM to 5 PM - MONDAY TO FRIDAY
Call: 1300 780 050

P.S. That's all it's to it... no running around... no time consuming appointments... no office visits.. no initial credit checks... and the lowest interest rates around !

Self Employed First Home Buyers

(includes applicants in company names & trusts)

100 Points ID:

Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account

70 Points
40 Points
25 Points

Last 2 years financial statements for the business (if available);
Last 2 years personal Tax Returns (if available);
Last years BAS (if available);
Last months bank statements for the business working account;

Last 3 months bank statements of all savings accounts;

Centrelink statements (if any);
Copy of contract of sale (if any);

Print and fill in the home loan application form (PDF)

Print and fill in the first home owners grant application form:

GET YOUR MORTGAGE

With OUR Proven Mortgage Broker Services........

..Without Time Consuming Office Visits

APPLY ON-LINE IN LESS THAN 5 MINUTES

If you answered "YES" and you want to take advantage of our mortgage broker services -- HERE ARE THREE EASY WAYS TO GET STARTED:

CLICK HERE TO APPLY ON-LINE
Remember...there are NO initial checks, NO upfront costs and NO obligations. If you are not satisfied with our car loan offer -- you pay nothing!

CLICK HERE TO PRINT & FAX APPLICATION
Our on-line application is on a secure server but if you are concerned about internet security then print our 'printable' application and fax it to ...
FAX: 1300 882 968

APPLY OVER THE PHONE
You can apply over the phone during our business hours 9 AM to 5 PM - MONDAY TO FRIDAY
Call: 1300 780 050

P.S. That's all it's to it... no running around... no time consuming appointments... no office visits.. no initial credit checks... and the lowest interest rates around !

Self Employed - Refinancing (includes applicants in company names & trusts)

100 Points ID:

Passport or Birth Certificate
Drivers license, ID card, Student Card
Medicare card, Bank card, Telephone account

70 Points
40 Points
25 Points

Last 2 years financial statements for the business (if available);

Last 2 years personal Tax Returns (if available);

Last years BAS (if available);

Last 6 months bank statements of current home loan;

Last 6 months bank statements of all loans being refinanced ie. credit cards, personal loans;
Last months bank statements for the business working account;

Last months bank statements of all savings accounts;

Copy of recent water & council rates

;

Centrelink statements (if any);
If you have investment propertie(s), provide tenancy agreement, copy of council rates notice/water rates notice;

Print and fill in the home loan application form (PDF)

GET YOUR MORTGAGE

With OUR Proven Mortgage Broker Services........

..Without Time Consuming Office Visits

APPLY ON-LINE IN LESS THAN 5 MINUTES

If you answered "YES" and you want to take advantage of our mortgage broker services -- HERE ARE THREE EASY WAYS TO GET STARTED:

CLICK HERE TO APPLY ON-LINE
Remember...there are NO initial checks, NO upfront costs and NO obligations. If you are not satisfied with our car loan offer -- you pay nothing!

CLICK HERE TO PRINT & FAX APPLICATION
Our on-line application is on a secure server but if you are concerned about internet security then print our 'printable' application and fax it to ...
FAX: 1300 882 968

APPLY OVER THE PHONE
You can apply over the phone during our business hours 9 AM to 5 PM - MONDAY TO FRIDAY
Call: 1300 780 050

P.S. That's all it's to it... no running around... no time consuming appointments... no office visits.. no initial credit checks... and the lowest interest rates around !

Want further details:

Sarah Redman - Team Leader -- Dreamloans Home Loans
Phone: 1300 780 050
Email: sarahr@dreamloans.com.au

Borrowing Power

Loan Costs Repayments

Rates

Home Loans - Reduce Monthly Home Loan Repayments

Loan Costs
Repayments