{"id":389,"date":"2023-06-27T20:59:56","date_gmt":"2023-06-27T20:59:56","guid":{"rendered":"https:\/\/valfexgroup.com\/?page_id=389"},"modified":"2023-07-02T20:02:01","modified_gmt":"2023-07-02T20:02:01","slug":"loan-options","status":"publish","type":"page","link":"https:\/\/valfexgroup.com\/index.php\/loan-options\/","title":{"rendered":"Loan Options"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"389\" class=\"elementor elementor-389\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8ee4d4 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"f8ee4d4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6400cb7\" data-id=\"6400cb7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e91a3ae elementor-widget elementor-widget-heading\" data-id=\"e91a3ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Loan Options<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4965109 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4965109\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-13cc716 elementor-invisible\" data-id=\"13cc716\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c87706 elementor-widget elementor-widget-heading\" data-id=\"6c87706\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">VFG Home Loans (WA Only)<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f27a00 elementor-widget elementor-widget-text-editor\" data-id=\"7f27a00\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>The VFG &#8216;Low Deposit&#8217; Business Loan is a variable interest rate loan which can be used by business owner to established business or cash injection. It is available to both first and non-first home entrepreneurs across the globe.<\/p><p>The most attractive aspect of VFG is that you only require a 2 per cent deposit, of which only 1 per cent needs to be genuine savings. The other great thing about VFG business Loans is that if you&#8217;re establishing a new business, you only have to pay $interest rate per year during the construction period, which is a great advantage if you&#8217;re managing business elsewhere at the same time.<\/p><p>One of the significant differences between VFG and the major banks is that they don&#8217;t require any insurance. This reduces your end loan amount, thereby reducing your monthly repayment. VFG will even allow people with defaults, or individuals that have been bankrupt; to take out a home loan assuming they meet certain credit criteria. VFG are experts at providing affordable finance options where other loan lenders are unable to provide assistance.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9853e71\" data-id=\"9853e71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b57d8aa elementor-widget elementor-widget-image\" data-id=\"b57d8aa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.14.0 - 26-06-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1004\" height=\"1315\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/black-man-advising-young-woman-on-home-loan-2021-09-24-03-35-50-utc-1.jpg\" class=\"attachment-full size-full wp-image-613\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8094969 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8094969\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-acf272a\" data-id=\"acf272a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f98946 elementor-widget elementor-widget-image\" data-id=\"1f98946\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1053\" height=\"1367\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/keys-of-home-on-electrical-diagrams-mortgage-loan-2021-08-26-18-16-13-utc-1.jpg\" class=\"attachment-full size-full wp-image-618\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a507c42 elementor-invisible\" data-id=\"a507c42\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58d9a3c elementor-widget elementor-widget-heading\" data-id=\"58d9a3c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Construction Home Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc3c7c8 elementor-widget elementor-widget-text-editor\" data-id=\"bc3c7c8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Valfex Group Ltd is a global lender, and has helped tens of thousands of clients obtain finance to build their business.<br \/><br \/>A construction business loan is typically a variable rate loan that is used for constructing a new business or renovating an existing one. The builder presents a progress payment to the bank as each stage of the construction is completed, which increases the amount of the loan and monthly repayment accordingly. Repayments are generally interest-only during the construction period, with repayments converting to principal and interest on completion of the home.<br \/><br \/>Our Mortgage Brokers have extensive experience in the field of construction home loans and are therefore well-placed to educate you on the requirements of the bank, builder and land developer. We know the building process intimately, and we take the hard work out of the loan process and coordinate what is needed behind the scenes, so you can concentrate on the enjoyable parts of building your business.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cced807 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cced807\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4bd7e39 elementor-invisible\" data-id=\"4bd7e39\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-24d3a34 elementor-widget elementor-widget-heading\" data-id=\"24d3a34\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Variable Rate Home Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d3eda4 elementor-widget elementor-widget-text-editor\" data-id=\"4d3eda4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A variable rate home loan is where your interest rate moves up and down in line with the Reserve Bank&#8217;s official interest rate.<br \/><br \/>Variable rates are the preferred option for most people as you have increased flexibility with repayments, access to redraw facilities and there are no early termination fees or break costs. If the Reserve Bank lowers official interest rates, your rate will usually decrease with it. However, if the Reserve Bank increases official interest rates, your rate will usually increase as will your regular repayments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e983410\" data-id=\"e983410\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df5248f elementor-widget elementor-widget-image\" data-id=\"df5248f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1008\" height=\"523\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/real-estate-agent-showing-financial-rate-home-loan-2022-08-19-01-37-40-utc-1.jpg\" class=\"attachment-full size-full wp-image-619\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6574358 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6574358\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-70250ed\" data-id=\"70250ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d844719 elementor-widget elementor-widget-image\" data-id=\"d844719\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1019\" height=\"1101\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/refinance-lower-rates-mortgage.jpg\" class=\"attachment-full size-full wp-image-625\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5b633de elementor-invisible\" data-id=\"5b633de\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e12ac2c elementor-widget elementor-widget-heading\" data-id=\"e12ac2c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fixed Rate Home Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9190ac5 elementor-widget elementor-widget-text-editor\" data-id=\"9190ac5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A fixed rate home loan is where you pay the same interest rate for an agreed term, generally one to five years. Even if the Reserve Bank increases the official interest rate, your fixed rate remains the same.<br \/><br \/>The main advantage is it allows you to more easily budget for your monthly expenses, as you know exactly how much you will be spending on your mortgage. The disadvantage is if the Reserve Bank lowers official interest rates your rate remains the same, so you can end up paying more than you would have paid on a variable rate. There can also be break costs for paying out the loan during the fixed term and there are usually restrictions on making additional repayments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31520f2 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31520f2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1a375a3 elementor-invisible\" data-id=\"1a375a3\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b38c253 elementor-widget elementor-widget-heading\" data-id=\"b38c253\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">No Savings Home Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9caf9a6 elementor-widget elementor-widget-text-editor\" data-id=\"9caf9a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Many lenders require a significant upfront deposit, which can often pose a problem if you haven&#8217;t been saving for long or are caught in the rental trap. We have access to a number of lenders who allow borrowed funds to form part or all of the required deposit. To be eligible you must have been renting through a licensed real estate agent under a signed lease agreement for at least six months. No Savings Home Loans are tailor-made for first home buyers, as they essentially allow you to borrow without a deposit.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5eb8f4e\" data-id=\"5eb8f4e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b6e6ec8 elementor-widget elementor-widget-image\" data-id=\"b6e6ec8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"666\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/saving-money-home-loan-mortgage-2023-06-05-18-54-55-utc-1.jpg\" class=\"attachment-full size-full wp-image-626\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-216610d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"216610d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2e043ed\" data-id=\"2e043ed\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8bf2510 elementor-widget elementor-widget-image\" data-id=\"8bf2510\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1008\" height=\"672\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/real-estate-agent-delivering-sample-homes-to-custo-2023-03-15-00-57-58-utc-1.jpg\" class=\"attachment-full size-full wp-image-627\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c242b8c elementor-invisible\" data-id=\"c242b8c\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3859ace elementor-widget elementor-widget-heading\" data-id=\"3859ace\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Guarantor Home Loans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-442bf37 elementor-widget elementor-widget-text-editor\" data-id=\"442bf37\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A guarantor home loan allows a close family member, relative or friend to use the equity they have in their home as additional security for your loan by providing a guarantee. This is extremely popular for first homebuyers who have been unable to save a sufficient deposit, or those without a 20% deposit who would like to avoid paying a large sum for mortgage insurance.<br \/><br \/>Once you have sufficient equity in your home the guarantee can be removed. The time frame to achieve this varies depending upon the original deposit, the number of extra repayments made and how much your property has appreciated in value.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-790ecd2 elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"790ecd2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-960a928 elementor-invisible\" data-id=\"960a928\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-109885f elementor-widget elementor-widget-heading\" data-id=\"109885f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Home to Home Loans (Bridging)\n\n\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f473d8e elementor-widget elementor-widget-text-editor\" data-id=\"f473d8e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A home to home loan is where you can buy or build your new home before having to sell your existing home, without making the full repayment on both mortgages by bridging the debt.<\/p><p>Your bank will assess the level of equity available in your existing home, and if there is sufficient equity they will allow you to finance the entire purchase amount plus purchase costs on your new home. Some lenders also allow the capitalisation of your interest payments until your &#8216;bridging&#8217; property is sold. This allows you up to 12 months to sell your existing home after you have moved into your new one.<\/p><p>The benefits of home to home loans include: not having to find a house to rent while you look for or build your new home; allowing you more time to sell your existing property which could result in increased capital growth (especially if you are building); removing the additional expense of renting; and not having to potentially move house two or more times.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1965a1f\" data-id=\"1965a1f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-757a1d3 elementor-widget elementor-widget-image\" data-id=\"757a1d3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"997\" height=\"1137\" src=\"https:\/\/valfexgroup.com\/wp-content\/uploads\/2023\/06\/tax-words-with-a-miniature-house-on-wooden-desk-1.jpg\" class=\"attachment-full size-full wp-image-609\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9b268db elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"9b268db\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7bd3e22 elementor-invisible\" data-id=\"7bd3e22\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d609c46 elementor-widget elementor-widget-heading\" data-id=\"d609c46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Us<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336b813 elementor-widget elementor-widget-text-editor\" data-id=\"336b813\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contact us today to find out how our experts can help you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0f796a elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"b0f796a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Start consultation<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Loan Options VFG Home Loans (WA Only) The VFG &#8216;Low Deposit&#8217; Business Loan is a variable interest rate loan which can be used by business owner to established business or cash injection. It is available to both first and non-first home entrepreneurs across the globe. The most attractive aspect of VFG is that you only [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-389","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/pages\/389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/comments?post=389"}],"version-history":[{"count":55,"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/pages\/389\/revisions"}],"predecessor-version":[{"id":794,"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/pages\/389\/revisions\/794"}],"wp:attachment":[{"href":"https:\/\/valfexgroup.com\/index.php\/wp-json\/wp\/v2\/media?parent=389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}