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  • Home loans with Matt Clark


    RAMS home loan expert, Matt Clark explains how to get started when buying a property in Australia


    Getting the right advice can not only save you time and money, but help make the process hassle-free.  Matt Clark explains how to get started.

    If you're thinking about buying a house at some point in the future, it's worth going to have a chat just to understand what you need.  It's impossible to know all the aspects of a finance application, so the sooner you go and talk to someone the better.  And they can help steer you in the right direction so that when you do find the house, you've done the legwork and you're ready to go.

    So the main check list of documents you need would be payslip, only usually one, but wouldn't hurt to bring two. Saving statements are very important. So evidence of if you've got savings, where is it, what's the history. You'd probably need three months worth of that.

    There are a large number of different loans available.  A fixed loan is a loan where you lock in the interest rate for a certain period.  There are some restrictions around how much extra you can pay in that period, but you get the advantage of a rate that's not going to move.

    A variable rate comes a lot more flexibility.  So things like offset accounts, extra repayments there's usually no restriction at all, so you can make large lump-sum repayments.

    There are a lot of different lenders and a lot of different products. I'd suggest when you are working with a lender, the number one thing is be able to talk to someone.  They can have the greatest products in the world, but if they're not gonna get a loan approved or they're going to get the wrong loan approved, it's not going to help you.

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    About the author

    • Wollongong - Matthew Clark

      Multi-award winning home loan expert, Matthew Clark has been in the mortgage industry for over a decade as Principal of RAMS Home Loan Centre Wollongong. Matthew was awarded the RAMS National Franchise of the Year 2014 for his tireless commitment to helping regular Aussies realise the great Australian dream of home ownership.

      In addition to Matthew’s hands-on experience in the industry, he also holds a Master’s in Commerce as well as a Diploma in Mortgage Lending.

      Contact your local RAMS Home Loan Centre about your home loan options.


      Matthew Clark

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  • Disclaimer:

    The information here is of a general nature only and is not intended to constitute financial or tax advice. You should consult your professional adviser, accountant or taxation expert for advice specific to your personal circumstances.

    The views and opinions expressed in this article are those of the author alone and do not necessarily represent the views or opinions of RAMS Financial Group Pty Ltd ABN 30 105 207 538 (RAMS),  Westpac Banking Corporation ABN 33 007 457 141 (Westpac) or their related bodies corporate. This article is strictly for information purposes only and neither RAMS, Westpac nor any of their related bodies corporate make any representation as to the accuracy or completeness of the information in this article or endorse the views expressed in it.