The borrower selects a loan amount and repayment period.
The lender provides funds for property purchase or refinancing.
The borrower makes regular repayments that include principal and interest.
The loan is repaid in full by the end of the agreed term.
Our team helps individuals and families find the right coverage. We assist in selecting policies, explaining benefits, and guiding you through the claims process.
Some loans offer additional features such as offset accounts, redraw facilities, and flexible repayments.
Determine borrowing capacity based on income and expenses.
Review interest rates, repayment terms, and features.
Consider application fees, ongoing charges, and exit costs.
Provide financial documents for loan approval.
Make regular payments and adjust terms if needed.
Home loans come with different interest rates, repayment structures, and features based on individual financial needs.
Our team helps individuals and families find the right coverage. We assist in selecting policies, explaining benefits, and guiding you through the claims process.
Some loans offer additional features such as offset accounts, redraw facilities, and flexible repayments.
Principal & interest loans reduce both the loan balance and interest over time.
Interest-only loans lower repayments initially but do not reduce the loan balance.
Vital Insurance Pty Ltd are authorised representative (No.294915/463211) of United Insurance Group Pty Ltd AFSL No.327131.
© Vital Financial Group 2025. All Rights Reserved. ABN - 281 405 202 25.
Ben Tutton (Authorised Representative No. 294915), Vital Life Insurance Pty Ltd (ABN 45 654 028 878 / CAR 1293254) are Authorised Representatives of Sustainable Life Solutions Pty Ltd (ABN 66 655 297 886 / AFSL 536966).
Vital Homeloans Pty Ltd 2025. All Rights Reserved.
ABN - 976 200 876 49 ACN - 620087649.
License: Vital Homeloans Pty Ltd and Raelene Hutchings are Authorised Credit Representatives (No 501910/502264) of QED Credit Services Pty Ltd ACL No 38785.
Vital Asset Finance Pty Ltd ABN 87 659 026 703 is Authorised under Simple Finance Group Australia Pty Ltd T/A Dealify Australian Credit Licence 540378.
Copyright 2025 Vital Financial Group. All Rights Reserved.
