Online home loan comparison
Compare Your Home Loan Options in Your Own Time
Life can make it difficult to find time for an initial appointment. Our online home loan comparison process allows you to provide your information securely when it suits you, so OCEAN Lending can begin assessing suitable loan options.
Get the Ball Rolling
A Convenient Way to Begin Your Home Loan Review
Home loan comparisons are most useful when they take your individual circumstances into account. An advertised rate may look attractive, but the lender’s eligibility requirements, fees, loan features and assessment policies also matter.
Our online process allows you to provide the information needed to begin reviewing your position without first needing to arrange a lengthy appointment.
Once your information has been reviewed, OCEAN Lending can prepare a personalised comparison of selected loan options that may suit your circumstances and explain the important differences between them.
How Can We Help?
What Can You Use the Online Comparison For?
The online process can help begin a review for a range of home lending needs.
Review Your Current Home Loan
Compare your current rate, repayments, fees and features with selected alternatives that may suit your position.
Home Loan Refinancing
Explore whether refinancing may provide a worthwhile benefit after considering switching costs and loan features.
Purchasing a Home
Begin reviewing your borrowing position and suitable loan options before purchasing your first or next home.
Investment Property Finance
Compare selected investment lending options, repayment structures and relevant lender policies.
Renovation or Construction Finance
Provide information about a planned renovation or build so we can begin considering suitable funding structures.
Accessing Property Equity
Explore potential lending options for an approved purpose, subject to valuation, borrowing capacity and lender approval.
Your Comparison Report
More Than a List of Advertised Interest Rates
A useful home loan comparison should consider how the complete loan may work for you, rather than focusing only on the lowest headline rate.
- Applicable interest rates and comparison rates
- Estimated repayments based on the proposed loan
- Establishment, annual and ongoing account fees
- Principal and interest or interest-only repayments
- Offset accounts and redraw facilities
- Fixed, variable and split-loan structures
- Additional repayment options and restrictions
- Relevant lender policies and eligibility requirements
- Potential benefits and limitations of each option
- How the loan may fit with your future plans
The Online Process
How the Online Home Loan Comparison Works
The online process helps us gather the information required to prepare a relevant and personalised comparison.
Complete the Short Request Form
Tell us who you are and provide a brief explanation of what you would like to achieve.
Receive Your Secure Portal Link
We will contact you and provide access to our secure online client portal.
Enter Your Financial Details
Complete your income, employment, assets, liabilities, expenses and current lending information.
OCEAN Lending Reviews Your Position
We assess your circumstances, objectives and relevant lender policies.
Receive Your Comparison
We provide a personalised report outlining selected loan options and their important differences.
Decide on the Next Step
There is no obligation to proceed. Contact us when you are ready to discuss the report or explore an application.
Before You Begin
Information That May Be Helpful to Have Nearby
You do not need to upload everything when completing the short request form. The following information may be useful when you later complete the secure client portal.
Income and Employment
Employment details, recent income information and details of any additional regular income.
Self-Employed Information
Business details and any available tax returns, financial statements or other income documents.
Assets and Savings
Property, vehicles, savings, investments, superannuation and other significant assets.
Loans and Liabilities
Home loans, investment loans, personal loans, car finance, credit cards and other ongoing debts.
Current Home Loan
The approximate balance, interest rate, repayment amount and important features of your existing loan.
Your Goals
What you would like the new loan or review to achieve and any future plans that may affect your lending.
Personalised Assessment
Online Does Not Mean Automated or Impersonal
Your information is reviewed by OCEAN Lending rather than being used only to generate a generic list of advertised products. We consider your stated objectives and financial position when researching suitable lending options.
The online comparison is an initial lending review. Further information, document verification, lender assessment and a property valuation may be required before any formal application or loan approval.
Frequently Asked Questions
Online Home Loan Comparison Questions
Is the online home loan comparison an application?
No. It begins the process of reviewing your circumstances and researching suitable options. A formal loan application would only be completed after further discussion and with your authority.
Am I required to proceed after receiving the report?
No. There is no obligation to proceed. You can review the comparison and decide whether you would like to discuss any of the options further.
Is the comparison based only on interest rates?
No. We may also consider fees, estimated repayments, loan features, lender policies, repayment structures and relevant limitations.
Can I use the online process to review my current home loan?
Yes. Provide a brief explanation of your current loan and what you would like to improve or review.
Can first home buyers use the online comparison?
Yes. First home buyers can use the process to begin reviewing borrowing capacity, potential deposits, loan options and the steps involved in purchasing a home.
Is my information enough to guarantee approval?
No. Loan approval remains subject to a complete application, supporting documents, credit assessment, lender criteria, property acceptability and any other required conditions.
Can I speak with someone instead of completing the process online?
Yes. You can book a conversation with OCEAN Lending or call 0407 349 246 to discuss your circumstances first.
Prefer a Conversation?
You Can Still Speak With Us First
Book a relaxed initial conversation or call OCEAN Lending if you would prefer to explain your circumstances before completing the online process.
Call:
0407 349 246
Email:
scott@oceanlending.com.au
Start Your Online Comparison
Tell Us What You Would Like to Achieve
Complete the short request form below. We will then contact you with information about the next step and access to the secure online client portal.
Please do not include internet banking passwords, card numbers or other sensitive security information in this initial form.