Hello, Home Loan, Karon, Business Loan, Commercial Loan. 

We manage your entire loan

This is Yoo Young-min from Financial Broker.   

 

First Home Buyer Scheme Implemented from October

With the application of the government scheme,

Pre-approval applications are increasing.


Due to the interest rate cut, your borrowing power

It has improved. If you need to buy a home or refinance

Contact us!

With the best option tailored to each person,

 

Let me guide you.

 

Let's consider the fixed residential interest rate based on small banks with lower interest rates.***


As of November 7, 2025.


AMP 1-year 5.29%, 2-year 5.19%, 3-year 5.39%


Heritage 1-year 5.14%, 2-year 4.99%, 3-year 5.09%


Macquarie 1-year 5.09% 2-year 4.99% 3-year 5.09%


Bendigo 1-year 5.09%, 2-year 4.99%, 3-year 5.29%


HSBC 1-year 5.09%, 2-year 4.99%, 3-year 5.14%


ING 1-year 5.14%, 2-year 4.89%, 3-year 5.19%


Bank of China 1-year 4.99%, 2-year 4.99%, 3-year 5.99%


Based on the Major bank, we will consider it as a fixed residential interest rate.***


As of November 7, 2025.


ANZ 1-year 5.29%, 2-year 5.19%, 3-year 5.34%


NAB 1-year 5.29%, 2-year 5.19%, 3-year 5.29%


WBC 1-year 5.29% 2-year 4.99% 3-year 5.39%


STG 1-year 5.19%, 2-year 4.89%, 3-year 5.29%


CBA 1-year 5.49%, 2-year 5.44%, 3-year 5.34%


The variable residential interest rate for home loans is available at 5.13%.


Let's take a look at some small banks with affordable fixed investment interest rates.***


As of November 7, 2025.


Heritage 1-year 5.34%, 2-year 5.39%, 3-year 5.19%


ING 1-year 5.29%, 2-year 5.04%, 3-year 5.34%


AMP 1-year 5.30%, 2-year 5.19%, 3-year 5.29%


Bendigo 1-year 5.29%, 2-year 5.19%, 3-year 5.49%


Macquarie 1-year 5.25%, 2-year 5.15%, 3-year 5.25%


HSBC 1-year 5.24%, 2-year 5.14%, 3-year 5.29%


Bank of China 1-year 5.09%, 2-year 5.09%, 3-year 6.19%


***Major Bank Standard, This is the fixed interest rate for investment purposes.***


As of November 7, 2025.


ANZ 1-year 5.49%, 2-year 5.39%, 3-year 5.54%


NAB 1-year 5.44%, 2-year 5.34%, 3-year 5.49%


WBC 1-year 5.69% 2-year 5.39% 3-year 5.79%


STG 1-year 5.39%, 2-year 5.09%, 3-year 5.49%


CBA 1-year 5.64%, 2-year 5.59%, 3-year 5.49%


The variable investment interest rate for home loans is available at 5.29%.


If you're considering requesting a discount on the interest rate, please contact me.

If you use broker channels, you can get an additional discount above the bank's advertising rate.

For refinancing, some banks still allow cash rebate of $3,000.

 

It is possible to reduce the amount repaid at the current interest rate.


1. Negotiating with banks to lower interest rates

2. Free revaluation of property value, and cash-out if equitable.

3. If the current bank cannot offer a low interest rate, reassess your lending capacity

We help you refinance to banks with lower interest rates.


Jasper Yu (Yoo Young-min JP)

0466 110 334

KakaoTalk ID: hardlock

info@richhomeloan.com.au 


---------------- Auto Finance----------------

 

 

 

 

If you need to get Caron, first

 

Whether to take out a personal car loan

Whether to take a Business Car loan

You need to first choose the car loan that suits you. (Basically, you must be a permanent resident.)

 

If you are a salaried individual, you can take out a personal car loan.

If you purchase for business purposes with A.B.N INCOME,

If you need to secure tax benefits, GST refunds, or depreciation, Business Car loans,

 

Both procedures are simple.

 

Choose the car you want, get a car quotation from the dealer, and the amount charged on the invoice by the bank

You can send it to the dealer and pick up your car on your preferred date

 

Basically, those receiving Consumer Car Loan benefits have recently made 2 pay slips (additional documents required based on credit history).

 

For a Business Car Loan, it is important whether the business has been in business for over a year, whether you own a home, or whether you have a deposit.

 

New cars, used cars, and vehicles for personal transactions are all available. You can consult in advance and choose a vehicle.

 

Don't judge car finance solely by interest rates!

 

A true pro is always checking and comparing monthly repayment amounts.

 

If you judge by the interest rate alone, the actual repayment amount for Caron often exceeds that of products with higher interest rates. For dealer finance, even if the interest rate is lower than the bank's, you should carefully check the actual monthly repayment amount and the contract.

 

If you need to pay Business Caron or Balloon all at once, these are also eligible for refinancing.



Please contact us—we will always provide continuous care for you.

 

New cars, used cars, and vehicles for personal transactions are all available. You can consult in advance and choose a vehicle.

 

Are you worried about the difficulty of proving income for sole proprietors? Please contact us

There is always a solution.

 

----- interest rate and how much should I pay monthly?-----

- For every financing term, the interest rate is approved after first evaluating the customer's credit rating and risk level.

 

For example, it determines whether you own a home, whether the purchase is for business or personal use, current debt status, work experience, living expenses, and more.

 

Depending on the results, additional fees such as application fees, equalization fees, risk fees, and monthly fees may be charged, so even if the interest rate is low, the actual amount paid may be larger, and even if the interest rate is high, the actual amount paid may be the same as the product with a lower interest rate.

 

Consult with an expert in advance and prepare.

Jasper Yu (Yoo Young-min JP)

0466 110 334

KakaoTalk ID: hardlock

info@richhomeloan.com.au