Hodgestone Finance offers the full range of traditional loans (banks) and also non-conforming loans from lenders all around the country.

Whether you’re self-employed, have an adverse credit history or are simply looking for the best interest rate available, we have the solution for you.

A brief outline of our Loan offerings are detailed below:

Home and Investment Loans

Standard Variable Loans
A variable rate loan allows you to repay your loan faster as there are no restrictions on additional payments throughout the course of the loan. Interest rates will rise and fall, usually broadly in line with any decisions made by the Reserve Bank of Australia (RBA).

Fixed Rate Loans
Fixed rate loans are generally available for periods of 1 to 5 years.
A fixed rate loan can provide you with some certainty in that you know what your repayments will be for a set amount of time, and therefore you can budget your expenses around this.
The obvious disadvantage is that you will not benefit from any decreases in interest rates during your fixed rate term. At the end of the fixed term the loan will automatically revert to the applicable variable rate.

Re-financing
Have you reviewed your current loan lately? You may be able to save thousands of dollars by re-financing into a more attractive loan product. You can also consolidate personal debts by utilising the existing equity in your home – simply send us an enquiry to ask us how.