When it comes to finding the right home loan, it’s important to consider your needs and financial goals. At ACME Financials, we offer a range of loan products designed to suit different preferences and circumstances. Whether you’re a first home buyer or looking to refinance, our Home Loan Products can help you achieve your home ownership dreams. Let’s take a closer look at our offerings:

Loan Products

1. Standard Variable Loan: Our Standard Variable Loan is the preferred option for borrowers, offering flexibility and popular features. The interest rate is adjustable, aligning with the Reserve Bank of Australia’s (RBA) decisions and our discretion. Based on your total lending and Loan to Value Ratio (LVR), we provide discounts on the base variable rate. This loan includes unlimited extra repayments, offset and redraw facilities, a complimentary credit card, and no early payout fees. While an annual package fee is applicable, the amount varies among lenders. Choose our Standard Variable Loan for a versatile and feature-rich borrowing experience.
   
2. Basic Variable Loan: If affordability is your priority, our Basic Variable Loan is an excellent choice. Similar to the Standard Variable Loan, the interest rate adjusts based on the RBA’s decisions and our discretion. However, this loan type offers a fixed discount on the base variable rate, which varies among lenders. With a Basic Variable Loan, you benefit from unlimited extra repayments, a redraw facility, and no early payout fees. Unlike the Standard Variable Loan, there is no annual fee charged since there are no offset facilities or complementary credit card features attached to this loan type. Experience cost-effective borrowing with our Basic Variable Loan.
   
3. Fixed Rate Loan: Achieve stability and peace of mind with our Fixed Rate Loan. Ideal for those who value predictability in their repayments, this loan type allows you to lock in an interest rate for a specific period, usually between 1 to 5 years. Unlike variable-rate loans, the interest rate remains unchanged throughout the fixed-rate term. While Fixed Rate Loans generally have lower costs compared to variable-rate loans, they offer limited flexibility and features. Extra repayments are typically restricted annually, and offset or redraw facilities are not available. Many First Home Buyers or first-time investors opt for this loan type to ensure confidence in interest rates and repayments during the fixed rate term.
   

At ACME, we understand that everyone’s financial situation is unique. That’s why we offer a variety of Home Loan Products to cater to diverse needs. Our team of experienced professionals is ready to guide you through the process and help you choose the right loan product. Contact Acme financials today to explore your home loan options and take a step closer to owning your dream home in Australia.

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