Find a loan to suit your situation

 ? Investing in property
 ? Selling and buying a home
 ? Building a new home
 ? Renovating your home
 ? Buying your first home
 ? Refinancing your home loan

Investing in property

Property investment is a great way to secure your financial future to invest in home loans or property. With Wizard, it's easier to arrange than you think.
Our lending consultants have years of experience in writing investment loans, and our highly competitive rates mean you are in the best position to make money on your investment.
You can even find out how much you can borrow right now.
Here is a sample of our loans for purchasing an investment property.
 

Buying your first home

Buying your first home is exciting, but complex. Wizard can make it easier by helping you through the steps, and by assisting you with programs like the First Home Owners' Grant Scheme.
We also have the tools to answer that all-important question, "How much can I borrow?"
Here are some Wizard loans that may suit when buying your first home. Click on the loan name to see all the details.


Refinancing your home loan

Is your mortgage too demanding? Is it a bit greedy? Or is it out of control?
The mortgage that suited you once might not meet your needs today.
Wizard can help you tame that mortgage beast by:
 Reduce your costs and fees
Consolidate your existing home loans and credit cards into one account.
 Add flexibility
Take advantage of features such as unlimited redraw and direct salary crediting
 Access extra money
We can finance with a home renovation, swimming pool, boat or even school fees.
It's easy to switch over to Wizard. One phone call to Wizard and we'll do the work for you! We can even tell you the answer to that all-important question, "How much can I borrow?".
Here are the Wizard loans that are suitable when refinancing. Click on the loan name to see complete details.


Selling and buying a home

Selling and buying is all about timing. Looking for a new home while in the process of selling your existing home makes sense, but it's important not to commit to purchase until you have sold your current home.
Wizard can help you with the key steps:
   how much you can borrow
   how much your property is worth
   the true cost of buying and selling
You'll find our most suitable loans for selling you home and buying a new one below.

 

     Home Loans & Refinancing
 

What You'll Need to Apply - Home Loans

The following is a list of the information needed to start processing your home loans. If you have questions about anything on the list, contact your First Horizon loan professional. You will need the following information for the borrower and any co-borrower's:

Loan Information

 ? Purchase price of the house you are buying (or estimated price)
 ? Amount you would like to borrow
 ? Monthly homeowner?s dues (if applicable)
 ? Down payment amount and earnest money
Property Information
 ? Type of property (single family, condo, etc.)
 ? Use of property (primary residence, second residence, etc.)
 ? Address of the property (or TBD, to be determined, if not yet known)
 ? Personal Information
 ? Legal name of borrower and any co-borrower's
 ? Social security number(s)
 ? Years in school
 ? Marital status
 ? Address of current primary residence (if resident for less than 2 years, provide previous address)
 ? Number of dependents and birth date for each dependent
 ? Employment information (employer, job title, employer?s address, and tenure, for the past 2 years)
 ? Income Information
 ? All sources and amounts of monthly income (borrower and co-borrower(s): salary, overtime, bonuses, commission, dividends, interest, home loans carried and retirement, and any other source of income you would like for us to consider for repaying your loan
 ? Current expenses (housing, alimony, child support and other balance owed)
 ? Real estate assets owned: property address, market value, outstanding liens, rental income, and mortgage payments
 ? Other assets, bank and financial institution accounts: bank/institution name(s), account type(s), and balances(s); value of bonds, stocks, life insurance policies, retirement funds, and automobiles

Once the above information is gathered, you?re ready to apply for the loan. After you?ve applied, your First Horizon loan professional will contact you to discuss the status of your application, and let you know about any other documents required to complete your loan?s processing


Thinking of refinancing? Why?

There are many reasons why refinancing is becoming a more compelling option for consumers. The process to refinance a loan often appears complex, so why do people do it? And is it right for you?

Loan suitability - you may currently be repaying a home loan that does not suit your needs or your short term needs are changing

Lifestyle changes - you may be thinking of buying an investment property or new home and see this as an opportunity to get a "better deal"

Customer service - you may not be happy with the service provided by your current lender

Do the maths! Sometimes it makes financial sense to seek a home loans alternative - again this may be because you have a loan that's not suited to you which costs you money every day

          

                    Is it easy to refinance?

You may recall the first time you applied for a home loans as being a daunting experience. Refinancing is typically easier since:

You have a "track record" that your new potential lender can view

You can often save on some of the fees and changes payable from your original purchase - for example, you may be able to save on stamp duty and registration fees
 

Apply for our FREE Loan Service whether you're looking to save money by clearing all your credit, or if you require money for a new car etc.