Home Loan, Home Loans, Real Estate Loans

clients say - "Hi Scott, Thanks for the refund cheque, Your service was a very great blessing to us as we never expected to get a refund until I found your website so thanks heaps." - Naomi S. April 2008 - " Hi Scott, we are very happy with how the sale went and we are very pleasantly surprised to get a refund of $2248.00, thanks again " - Paul Thomson April 2008 - Hi Scott, " Thank you so much for your email. I would be happy to give your customer service as a 5 star. Thank you so much for everything It was lovely working with you " - Lea Aitken. April 2008 - "We are over the moon to receive a refund of $1732.50 from our recent sales costs Thank you for making it so incredibly simple from start to finish. We would definitely use your referral service again and recommend it to anyone we know who's looking to sell, after all who wouldn't want a refund. We wish your service had been around years ago when we sold our first home. Keep up the great work! Thanks again!" - Trev & Mel Place - "i have just received a saving of over $1600 simply by contacting the real estate agent through your site, thank you" - Diane Teo - "Thanks Scott. The cheque has been gratefully received. Your system has worked very well for the quick sale of our house." - Regards Pat McKeown - 15/01/08 "we would not hesitate to recommend this service to our friends working to sell their homes. again thank you" - Ted and Jeanette - "just a short note to let you know how thrilled we are with the quick sale of our house" - Jeff Brown -

Save on average $2000.00 simply by contacting your real estate agent here

Home loan.

Finding the right home loan and the right financial institution to deal with is a major decision.

It pays to do your research before committing to anything as you will be paying off your loan for many years to come.

There is a variety of different home loan products and services and in there is plenty of choice as well. In Australia there are now thousands of mortgage brokers who operate independently of the banks.

Most of these guys or gals are running their own little business’s and basically get paid commission on the loans or mortgages they sign up or organize, but the point is they have access to most if not all the big banks loan products.

Home loan advice no. 1. Deal with a local

My recommendation is that you deal with a broker instead of going directly to the bank ,at least that way you have a local point of contact for how your loan is progressing.

Dealing with the big banks can be a pain in the backside.

When you are stressing about how long before you actually receive your loan approval you don’t want to be put through to some call centre in India, and be treated like a number working with your own local rep makes more sense.

Home loan advice no. 2. Don't forget to shop around

I know it sounds obvious but some times we miss the obvious.

There is a variety of different home loan products and shopping around is essential.The home loans marketplace is a competitive area so some of the lenders will offer substantial incentives to get your business.

Finding the right loan will save you a lots of money over the length of the loan, remembering that these agreements on average last 15 years or more.

Buying real estate, what are some of the benefits of buying property, read more...

Home loan advice no. 3. What you will need

For most lenders, a minimum of 5% of the purchase price is required as a deposit. However, the more money you can save for your deposit the better off you'll be.

Repayments will be reduced and you'll save money over the life of your loan. Most banks will require proof of savings history in the form of bank statements that show regular deposits.

Home loan advice no. 4. How much to borrow

Big Point here please remember don’t over commit with how much you borrow, just because you are offered it.

The banks are in the serious profits business! They have hungry shareholders to feed. What ever the bank offers you don’t forget it’s a loan which has to be repaid with interest.

Did you know that the origin of the word mortgage has French background which roughly translates as "an agreement until death"?

Selling real estate, basic rules to follow selling real estate, read more...

Home loan advice no. 5. Get loan pre-approved

Getting your home loan pre approved should be part of your game plan. What this means is your broker/financer will assess you and any other applicants and establish your borrowing capacity, prior to you finding your property. That way you can go real estate shopping with realistic expectations and a genuine ability to purchase

Looking at Property
Having your home loan pre-approved gives you a head start because the real estate agents will take you more seriously.

If it’s your first real estate purchase it’s a good idea to not fall in love with anything until they give you the keys and tell you it’s yours. Nearly everybody has a tale to tell how they got beaten at the post when buying real estate.

If you are a first time home buyer you can read more....

Searching for a good agent, customer ratings on agents in your postcode plus you can save money read more...

Get a cash refund on your agents selling commission

At ref real estate we offer a real estate service with a genuine difference.

We organize for you a cash refund on your real estate agents selling commission.

We are paid a referral fee by the real estate agents, but the difference is we give you 75% of what we have been paid back as a refund.

We don't charge any fee for our service and we help you to choose the most suitable agent to sell with.

We are gathering data on real estate agents from all over Australia, so we can give you some insider knowledge on your local real estate agents before you list your property for sale plus you have the added bonus of a real cash refund.

Learn how we provide a refund...

We are members of the NSW real estate institute and recommend agents who are members of the following real estate institutes.

Our Guarantee of service ...