Buying Your Home - Intro Finance

Get that dream home

At Intro Finance we are committed to providing our clients with the best loan options, excellent customer service and industry expertise. We have a team of professionals across all the government schemes and regulations across Australia. They will guide you through the process, answer any questions you may have and help you to find the ideal loan option for you.

Home loan customers can choose between variable rate loans and fixed rate loans. Variable rate loans have an interest rate that can change over time. This can lead to lower initial interest rates compared to a fixed rate loan, but it can also lead to unpredictable monthly payments. A loan can also be split with both a fixed rate and a variable rate. Fixed rate loans have an interest rate that remains the same for a set period, usually 1 to 5 years. This allows for certainly around monthly payments for the fixed term. At expiry of the initial fixed rate term borrowers can choose to either re-fix their interest rate at the current fixed interest rate, or roll it onto the current variable rate offered.

There are two repayment types with home loans – principal and interest or interest only home loans. A home loan with principal and interest (or P&I) repayments is one where you pay back the money you borrowed from the lender – also referred to as the ‘principal’ of the loan – at the same time as you pay off the interest your lender charges you. This means the amount you repay each week, fortnight or month is likely to remain fairly stable throughout your loan, unless your lender changes your interest rate or ongoing fees. Interest-only home loans are loans in which only the interest portion is paid off, not the principal, for the first one to five years of a loan, before the loan reverts to P&I repayments. As a result, your repayments may be cheaper initially but are likely to go up substantially once you start paying off the principal component. In Australia, this type of loan is generally more suited to property investors than people buying a home to live in, although it may also be attractive to people who want cheaper initial repayments on their first home.

The Most Amazing Experience

Paul is by far the most caring and action taking broker we have ever worked with. His attention to detail and willingness to work with us during our build was outstanding. Paul quite literally made it possible for us to be in our home, without further delay and for that we are so grateful. When you work with Paul, you work alongside someone who genuinely cares. His passion for his job, his efforts to support and guide and his ability to deliver an exceptional service is something you have to experience to believe. We were guided by his expertise, every step of the way and Paul constantly took steps to go above and beyond to support us in the journey to occupancy. We have had the most amazing experience with Paul right from the very start and couldn’t recommend him more highly.

Stephanie Paolilli-Treonze

Clear & Timely Communication

I have had such a positive experience with Paul and the whole team at Intro Finance. Clear and timely communication throughout our engagement and the whole team took their time to get to understand what we were looking for. Diligent in their research and finding a great deal. Would absolutely recommend!

Sebastian Bill

Goes Above & Beyond

Highly recommend Paul. He is fantastic. He goes above and beyond to ensure everything goes smoothly from start to finish. He is always happy to answer your questions without any hesitation or delay. The best in the business!!

Amy English

Stress Free

Unbelievable service, care and just all round so easy to deal with. Explained every process so I could understand each stage and just made the whole process as stress free as possible. Thank you Paul and Team!

Jen Simmons

Excellent Service

Excellent service, responsive, professional and made something stressful relatively pain free! Highly commend.

Laura Towey

Great Experience

Paul was super chill, in the moments that I was feeling stressed, as this was my first home. Will look to Paul again in the future.

Asa Morete

Pleasure To Work With

Paul and Grace were a pleasure to work with and made the whole process seamless. They kept us informed each step of the way and were always available for our questions. I would not hesitate recommending Intro Finance to friends and family. We will definitely use again in the future. Cheers!

David Rowlands