Personal Loan

Personal Loan Tailored For You

Life’s unpredictability and constant surprises can be both exhilarating and daunting. Unexpected expenses have the power to catch us off guard and knock us down. As the cost of living rises and bills accumulate, maintaining stability can feel like an uphill battle. Don’t let financial concerns overshadow your happiness and peace of mind. Take control by considering a personal loan. Regardless of your circumstances or needs, we’re here to assist you in securing a personal loan with favorable interest rates and repayment terms, making your life more manageable and stress-free

Fixed Loan

Enjoy peace of mind with a fixed rate loan, where your repayments remain consistent throughout the term. Ideal for those who prefer budgeting certainty and predictable payments.

Interest rate: From 9.49% p.a. to 29.99% p.a.

Comparison rate: From 10.93% p.a. to 31.38% p.a.

Rates remain fixed for the entire loan term

Flexible repayment options: weekly, fortnightly, or monthly

$500 early termination fee (only applies until the final 3 months of the loan term)

Variable Loan

For those who prefer flexibility and the chance to pay off their loan faster, our variable rate loan could be the right fit.

Interest rate: From 9.49% p.a. to 29.99% p.a.

Comparison rate: From 10.93% p.a. to 31.38% p.a.

Rates are subject to change throughout the loan term

No early termination fee

Flexible repayment options: weekly, fortnightly, or monthly

Redraw extra repayments at no cost

How HR Mortgage & Finance Works

Initial Consultation

Have a phone or face-to-face conversation with our expert broker.

Loan Structuring

We need your financial documents and specifics about your requirements.

Apply For Pre-Approval

After finalizing all necessary details, we'll proceed to pre-approval. Typically, your pre-approval will arrive 5-7 working days, subject to the bank's processing time.

Find Your Dream Home

We'll be there to support and guide you every step of the way until you discover the perfect property. Once you've identified a property that meets your criteria and reached an agreement on price with the vendors, we'll recommend proceeding with signing the contract.

Get the Final Approval

Once the contract is signed, we initiate the valuation process. Subsequently, the solicitor/conveyancer will review the contract and conduct pest and building inspections. Concurrently, we'll proceed with submitting your loan for formal approval. The timeframe for obtaining formal approval may extend up to a week, contingent upon the bank's processes.

Settle Your Loan

When all the paperwork is complete the keys to your dream home will be handed over to you.