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Home Loans

Are you looking to buy your first or next home?

Your reliable Subiaco mortgage broker team are ready to turn your property dreams into reality. Read more to find out our home loan services.

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Boutique Mortgage Brokers Perth

Are you ready to buy the home of your dreams?

Sonam Capital are ready to help you secure the best suited home loan and competitive rate to get you there.

Helping you understand the home loan jargon

Don’t understand all the terms and offers available out there?
Nick, Wayne and Amanda will help you understand what home loan is right for you based on interest rates charged to features available. These include the ability to redraw and make extra repayments on your mortgage, create a mortgage offset account, line of credit option and more.

For all kinds of home buyers

Whether you’re purchasing your first home or upgrading into a new home, Nick, Wayne and Amanda at Sonam Capital are well-equipped Subiaco mortgage brokers ready to help you understand your finance options.

Home loan finance options:

  • Bridging loans
  • Construction loans
  • Line of credit(aka equity release)
  • Professional packages
  • Split loans

Savvy strategies to help secure your loan

Want to know how to put your best foot forward when buying property?
Securing a loan means establishing healthy financial habits early.

Here’s what we recommend:

  • A regular savings habit history
  • A clean credit history
  • A hearty deposit of 10% of the purchase price (or greater)
  • Creation of a buffer for unexpected costs such as interest rate rises
  • Pre-approval to find out how much you can afford to buy a property and service your loan.
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  • What is pre-approval? Pre-approval is a document that outlines a lenders willingness to provide the money required to complete the purchase of a property.
  • How big should my deposit be for my first home? This is dependent on individual circumstances. While some lenders accept a low deposit such as 5% or 10% of the purchase price, 20% or greater is highly recommended.
  • What is a debt-to-income ratio? A debt-to-income ratio (DTI ratio) references how much total debt you have divided by the gross income you earn per year.
  • What is a bridging loan? A bridging loan (otherwise known as bridging finance) is a short-term loan designed to help you finance your next property purchase while you await your current property to sell.
  • What is equity? In the simplest of terms, equity is the accumulated worth of your property less the amount still owing in loan (mortgage) repayments.

Ready to buy your first home or next home? The Sonam Capital team are here help you turn your property dreams into reality.

100% Australian based
We are 100% Australian Based. We have no teleoutsourcing of any kind, of any sort. We value locality above all.
Investing in commercial or residential property?
Seek finance at competitive rates to maximise your return available from Sonam Capital
Local to your Perth suburb
Perth, Claremont, Nedlands, Mosman Park, Cottesloe, Floreat, City Beach, North Fremantle, Wembley, Wembley Downs, Scarborough, Osborne Park, Innaloo
Personalized Financing
Tailored and specific ~ we work from highly individualized basis. Contact us today and see how we can help you.
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Preferred contact:

Our Office

283 Rokeby Rd, Subiaco WA 6008

Contact Us (Phone)

0409 626 561

Contact Us (Email)

[email protected]

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