HSBC Home Loans
How do I pay less stamp duty?
- It depends on what you are buying and where.
- Most states have first home buyer concessions (NSW, Vic, Qld, SA, WA, ACT, NT).
- Some states don't give concessions on established homes (NSW, for example).
- Land purchases are excluded in some states, for example Vic.
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- The results shown above are estimates and should be used as guide only. HSBC does not guarantee the accuracy or reliability of this service. HSBC specifically disclaims any liability for any damages or loss arising out of the use of or relying on this calculator. You should not make any decisions on the information obtained by using this calculator without consulting your solicitor, conveyancer, accountant or financial adviser or all of them.
- The results do not take into account additional payments and assume interest rates remain the same for the life of the loan. HSBC does not predict how quickly or the amounts by which interest rates may change. Full terms and conditions available upon application. Fees and charges apply. Lending criteria apply. Credit provider is HSBC Bank Australia Limited ABN 48 006 434 162.
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How to get the best mortgage rates - Quora
I agree with Michael Cheng. If you have a great credit score, stable, verifiable income, verifiable cash on hand or assets, you are a dream client. By comparison shopping, you will be able to obtain a Loan Estimate from at least three different types of lenders: Talk with the mortgage department of where you currently bank. You already have a banking relationship with them. This is a good place to start. Next, apply with a local, licensed non-bank mortgage lender. Somebody located in the town in which you live. Last, apply with a local mortgage broker.