Unlock Your Dream Home with Oxcel Finance

Discover tailored home loans for your next big step toward home ownership

Challenges With Home Loan

Overcoming home loan hurdles - simplified solutions await

home_loan-1

Obtaining a home loan can be complex. Our expert team simplifies the process and addresses common challenges for you. Some common challenges include:

  • li-marker Understanding complex loan terms and terminology
  • li-marker Meeting eligibility criteria for home loan applications
  • li-marker Assessing the right loan amount and repayment options
  • li-marker Dealing with fluctuating interest rates and market conditions
  • li-marker Overcoming affordability challenges and budget constraints
  • li-marker Getting expert guidance to make informed borrowing decisions

How Can We Assist You

Comprehensive support for your home ownership journey

home_loan-1

Descriptive details allow sensory recreations of experiences, objects, or imaginings. In other words, description encourages a more concrete or sensory experience of a subject, one which allows the

  • li-marker A user-friendly dashboard for tracking your loan status
  • li-marker Personalized loan solutions tailored to your needs
  • li-marker A streamlined and completely online loan application process
  • li-marker Expert team with in-depth knowledge of the finance industry
  • li-marker Faster approval and a competitive rate that suits the clients
  • li-marker Ongoing support even after loan approval

Home Loan Calculator

Let's estimate your repayment options

Your estimated payments are

-

-

-

Loan amount
-
Total interest
-
Total amount
-
Pay off date
-

The figures shown in the calculators do not constitute financial advice. Lender policy, term and conditions, fees and charges apply. The results should not be taken as a substitute for professional or finance advice. All reasonable care has been taken in preparing and designing the calculators and tools; however, oxcel finance provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action

icon

Oxcel’s Way

See how convenient to finance your next purchase

icon

Personalised

We protect your credit score by matching suitable lender the first time

icon

No Credit Hit

Getting your quote with oxcel doesn't impact your credit score

icon

Dedicated Dashboard

Check live progress of your application on your dedicated dashboard

icon
icon

Online 24/7

Oxcel is paperless & 100% online Australia-wide

icon

Special Rate

We work with number of lenders you can not apply directly, rates are often lower than the banks

icon

Customers First

We work for you & your interest, not lenders and not owned by any lenders

Frequently asked questions

Learn more with our home loan FAQs

Yes, we can. If we are interested in purchasing another property as investors, we can often access up to 80% of our current home’s equity without paying the Lender’s Mortgage Insurance (LMI). Please note that this does depend on our specific circumstances. Let’s discuss our options with an Oxcel Home Loan Specialist.

All you have to do is applying via our website, our dedicated team will reach out to you and process the application as early as possible. You can also contact us if you have any query.

The answer to this question will depend on whether or not we’ve made extra home loan repayments. A cash-out or equity loan can help us complete renovations, purchase an investment property, invest in shares, consolidate debt, or other things. Let’s find out if we qualify for a low-rate home loan today by chatting with an Oxcel Home Loan Specialist.

The minimum deposit we will need to pay on a home loan will depend on several factors, primarily our lender and the type of loan. Generally, the warranty is expected to be between 5-20% of the purchase price of a property. For instance, if the house we intend to buy has a purchase price of $800,000, we will need a minimum deposit of $40,000 (which is 5% of the purchase price). It’s worth noting that if we can pay a deposit more significant than 20%, we likely won’t need to fund the extra costs of Lenders Mortgage Insurance (LMI), and the more we pay upfront, the less we’ll have to pay back later. Let’s find out if we qualify for a low-rate home loan today by chatting with an Oxcel Home Loan Specialist.

The comparison rate calculates the average rate with the addition of any other upfront or ongoing fees during the loan term. It is also known as the ‘true’ or ‘real’ rate. Comparison rates operate under more fixed conditions, which considers a loan of $150,000 on a 25 year loan period with a principal and interest repayment method. Similar to the comparison rate, the AAPR calculates the real rate of a home loan. It takes it a step further and takes into account honeymoon rates, ongoing fees and introductory offers. The AAPR takes your actual loan amount and calculates the rate over a 7 year period. Although they both attempt to do the same thing which is to determine the most accurate and real rate of your home loan, the AAPR is seen to be a more accurate representation. Since a vast majority of loans used today exceed $150,000, comparison rates are used as more of a guide for determining the cost of your loan in the long run. The AAPR doesn’t include government fees and service fees such as redraw, since most of them are usually free. However, the AAPR can be seen as a more accurate reflection of your overall loan rate over its term. Don’t spend hours filling out forms. Apply for your home loan online with Oxcel and get approved faster.

Meet our Panel

With a wide range of panel of lenders you can be assured we’ll find a competitive finance solution to suit your needs

Our Features

See how convenient it is to finance your next purchase with us

benifits-img

Personalised

We protect your credit score by matching with a suitable lender from the first time

benifits-img

No Credit Hit

Getting your quote with Oxcel doesn't impact your credit score

benifits-img

Real-Time Update

You will be updated real-time from the application to settlement

benifits-img

Online 24/7

Oxcel is paperless & 100% online Australia-wide

benifits-img

Special Rate

We work with a number of lenders you can not apply to directly, rates are often lower than the banks

benifits-img

Customers First

We work for you & your interest, not lenders nor are we owned by any lenders