Buy Your First Home

You are very excited about buying your first home, but having lots of questions about the process and decisions. At IFG Home Loans, our fully qualified and experienced team is here to assist you in finding a suitable home loan. We take time to explain all the steps, assist you with loan application paperwork, provide you hints & tips to tackle the mortgage repayments and explain to you the benefits of first homer buyers such as First Home Owners Grant & Stamp Duty concessions.


Buy Your Next Home

There comes to a stage when you  may find the current home might not suit your needs anymore. Whether you are looking for upgrading to a bigger family home or downsizing, our dedicated team are here to help you prepare for the next stage of your journey and consult a home loan that suits your needs.

Buy Investment Home

Buying an investment property is one of Australia’s favourite ways to invest. Investor seeks return either through rental income, the future resale of the property or both. You need to keep in mind that how effectively managing your investment will determine whether or not the investment helps you reach your financial goals. The cost of owning an investment property can be surprisingly low after you take into account your rental income and the tax deductions you’ll be entitled to.



Refinance is to replace your original mortgage with a new mortgage. Refinancing allows you to to obtain a better interest term and rate. For borrower with good credit history, refinancing is a good way to manage your mortgage by obtaining a lower interest rate or take advantage of special promotions from the lenders.

Debt Consolidation

If you are dealing with many creditors, you may feel overwhelm with your repayments in every bits and pieces. Debt consolidation basically allows you to combine all of your liabilities into one lump sum payment which has lower interest rate, simplifies your repayments, and reduces fees & charges associated with the current loans.


Construction loan

Construction is the best way to live in your dream house as you can customise the design to suit your taste. It is, however, a lengthy and complicated process that involves multiple stages and parties from the builders, contractors, lenders, solicitors, accountants, quantity surveyors and the council. We offer variety of choices when it comes to construction loans to cater your needs.

Guarantor loan

Young home buyers usually face difficulties when they want to buy a house. They either don’t have enough deposit or could not pass the credit score set by the lender’s mortgage insurance (LMI). In this case, guarantor loan is the only way to enable them to borrow up to 110% of the purchase price of a property to cover for the stamp duty and other fees. With the help of parents, many young buyers are able to get their dream home earlier and potentially avoid LMI.


Non-Resident lending

Every year, thousands of foreign nationals, Australian expats and temporary residents decide to buy a home or investment property in Australia. If you are not Australian permanent resident or Australian Citizen, you need to obtain approval from Foreign Investment Review Board (FIRB) (fees applies).  Currently, more lenders are pulling out from non-resident lending policy hence finding a suitable loan for your investment could be tricky. Specialised in non-resident lending, we can quickly find you the loan product that suit your needs.

Bridging finance

When you want to purchase a house without waiting for selling of your existing home, a bridging loan may be suitable for you. You can have up to 6 to 12 months to sell the existing property. After you sell your house, you only need to make repayment on the residual debt. Bridging loan provides you with flexible repayment options such as option to pay interest only during bridging period, capitalise interest repayment.

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