27 homeloans

Helping You Become Great.

Who We Are

Committed to Excellence

At 27 homeloans, we specialise in residential mortgage loan and offers excellent services with the necessary tools and expertise to find our clients the right deal. We partner with our clients from start to finish, focusing on their needs to provide them with competitive choices.

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TYPE OF LOANS

Basic Home Loan

Basic home loan is the foundation of all different type of home loan products on the market. Usually with flexible terms and features for interest and repayments.

Refinance

Refinance is the replacement of your current loan with a new loan to improve your financial situation.

Construction Loan

Construction loan is designed for people who are building a house instead of buying an established property.
Example: Buying a project home.

Cross-Collateralised Loan

A cross-collateralised loan is using two or more properties linked together to secure the same mortgage. This means you will have a lower combined LVR (loan to value ratio) and may eligible for better tax benefits.

Low Doc Loan

A Low Doc loan is a low documentation loan designed for self-employed or small business owners who may not be able to provide two years of trading and financial results.

Bridging Loan

Bridging loan is used to “bridge” the finance gap for you to buy your new property before you sell your existing property.

Self-Managed Super fund Loan

A SMSF loan is a loan used by self-managed super fund (SMSF)
to purchase an investment property.

Guarantor loan

A guarantor home loan is when another person (such as a parent) offers their own property as security. This allows you to borrow up to 105% of the purchase price of a property.

Non-conforming loan

A non-conforming loan is a loan that does not conform to a lender's typical loan underwriting criteria. Example: poor credit history or short employment history.

Commercial Loan

A commercial loan is available for any genuine business-related need. Secured by commercial properties.
Examples include: office building, shopping center, industrial warehouse etc...

Car Loan

A car loan is a personal loan for the specific purpose of purchasing a motor vehicle.

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Contact Us

admin@27homeloans.com.au

0406 700 408

9am-7pm (7days)

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FAQ

Privacy Policy

At 27 homeloans, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

What information do we collect and how do we use it?

We will ask you for personal information when we assist you with your finance. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).

We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.

We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.

We may also use your information internally to help us improve our services and help resolve any problems.

What if you don’t provide some information to us?

If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements

We hold the information we collect from you in our data base.

We ensure that your information is safe by physical, electronic, and managerial procedures.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.

We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information please write to admin@27homeloans.com.au.

We do not charge for receiving a request for access to personal information or for complying with a correction request.

Your consent

By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact admin@27homeloans.com.au

Complaints

Internal Dispute Resolution

If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; The Complaints Officer at admin@27homeloans.com.au, please make sure you include as much information as you can.

You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.

Compliments and concerns

We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.

We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.

Compliments

Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one.

If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.

Concerns

If for any reason, you do not feel that you have received the highest standard of care from us, we encourage you to share this with us. We have developed a process that makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.

If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.

Need an Update on your complaint

If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.

Resolution

We will try to deal with your complaint on the spot. However, if this is not possible, we will write to you to acknowledge your complaint within 5 days. We will ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event, we are still investigating your complaint after 45 days, we will write to you to explain why and to let you know when we expect to have completed our investigation.

When we have completed our investigation we will write to let you know the outcome and the reasons for our decision.

Taking it further

We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 45 days, then you can have your complaint heard by an independent party.

You can lodge your complaint:

with the Australian Financial Complaints Authority

Online:    www.afca.org.au
Email:     info@afca.org.au
Phone:    1800 931 678 (free call)
Mail: Australian Financial Complaints Authority
               GPO Box 3, Melbourne VIC 3001

This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

Credit Representative 514711 is authorised under Australian Credit Licence 389328.

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