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HoLo Home Loans Made Simple
Create Account
Calculators
All Calculators
What are my repayments?
Sick of rent?
How much can I borrow?
How much can I save?
Available equity?
Can I use equity to borrow more?
Why HoLo
The HoLo Difference
Our lenders
Happy clients
FAQs
Blog
Loan checklist
Industry jargon
FAQs
Let's talk!
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What are my repayments?
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Available equity?
Can I use equity to borrow more?
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Why smaller is often better
Applying, Banks & Lenders, Transactions Justin Dickinson 22/3/24 Applying, Banks & Lenders, Transactions Justin Dickinson 22/3/24

Why smaller is often better

Is bigger better? Not always, particularly when it comes to customer service. In the end, it's how a lender responds that makes all the difference. We share two recent very different lender & customer experiences.

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5 things we consider when shopping for a better rate for you
Applying, Banks & Lenders, Rates & Products Justin Dickinson 22/3/24 Applying, Banks & Lenders, Rates & Products Justin Dickinson 22/3/24

5 things we consider when shopping for a better rate for you

We love to haggle. It’s in our DNA. So with interest rates on the move, our team sat down to discuss a few things we consider when searching for a better rate for our clients. It’s always a good idea to be aware of these pitfalls when doing your research.

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Smart property viewing: sneaky vendor tricks to watch out for
Transactions Justin Dickinson 22/3/24 Transactions Justin Dickinson 22/3/24

Smart property viewing: sneaky vendor tricks to watch out for

All owners spruce up their home for sale but a few tricks of the trade could be more than just a refresh. A fresh coat of paint, the smell of your favourite banana bread baking, and a glorious mirror in the dining room can all up a property’s appeal. Keep an eye out for these common tactics.

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The convenience of conveyancers
Applying, Banks & Lenders, Rates & Products, Loan Management, Transactions, First Home Justin Dickinson 20/3/24 Applying, Banks & Lenders, Rates & Products, Loan Management, Transactions, First Home Justin Dickinson 20/3/24

The convenience of conveyancers

When buying or selling property, it’s important to enlist the help of a conveyancer or property lawyer early. Here we explain what they do and why you need one right from the beginning.

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WTF is…. LVR & DTI?
Applying, Banks & Lenders, Rates & Products, Loan Management Justin Dickinson 30/3/23 Applying, Banks & Lenders, Rates & Products, Loan Management Justin Dickinson 30/3/23

WTF is…. LVR & DTI?

Getting your head around their ‘bank speak’ can be a little tricky. In fact, it can sound like a whooooole other language. Let us do little ‘banksplaining’ for you.

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7 tips to save & pay off your loan sooner
Banks & Lenders, Loan Management Justin Dickinson 30/3/23 Banks & Lenders, Loan Management Justin Dickinson 30/3/23

7 tips to save & pay off your loan sooner

Your home loan can be one of your biggest monthly expenses, so we thought it might be helpful if we share our top tips for how to pay it off sooner.

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Fixed Interest Rates. The Pros & the Cons
Applying, Banks & Lenders, Rates & Products Justin Dickinson 23/3/23 Applying, Banks & Lenders, Rates & Products Justin Dickinson 23/3/23

Fixed Interest Rates. The Pros & the Cons

Fixed interest rates - we’ve heard a lot about them lately in the media. So what exactly is a fixed interest rate?

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How good is your credit file looking?
Applying, Banks & Lenders, First Home, Buying & Selling Justin Dickinson 15/3/23 Applying, Banks & Lenders, First Home, Buying & Selling Justin Dickinson 15/3/23

How good is your credit file looking?

If you haven’t really thought about your credit file for a while but you’re hoping to buy property or change banks soon, then tune in.

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The future is digital, but stick to the hard stuff for now
Applying, Banks & Lenders Justin Dickinson 8/3/23 Applying, Banks & Lenders Justin Dickinson 8/3/23

The future is digital, but stick to the hard stuff for now

Digital ID’s are fantastic… most of the time. But there is one good reason why the old-fashioned plastic is still pretty good.

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Consider this if you're thinking about fixing your loan
Applying, Banks & Lenders, Rates & Products, Loan Management Justin Dickinson 1/3/23 Applying, Banks & Lenders, Rates & Products, Loan Management Justin Dickinson 1/3/23

Consider this if you're thinking about fixing your loan

Whilst a fixed rate might seem pretty darn good, there can be a little catch you need to be aware of. Here we explain the ‘roll off’ rate.

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6 things to get ready if you want to buy your first home
Applying, Banks & Lenders, First Home Justin Dickinson 9/2/23 Applying, Banks & Lenders, First Home Justin Dickinson 9/2/23

6 things to get ready if you want to buy your first home

When you’re renting, it is easy to calculate how much money you are giving your landlord. And isn’t it frustrating - but are you ready to buy your own home?

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Why the lowest rate might not be right for you!
Applying, Banks & Lenders, Rates & Products Justin Dickinson 2/2/23 Applying, Banks & Lenders, Rates & Products Justin Dickinson 2/2/23

Why the lowest rate might not be right for you!

We all love a deal, in fact, we all love a great deal, don’t we? But in finance, sometimes the best deal, might not actually be right for you.

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How does an offset account actually work?
Applying, Banks & Lenders, Rates & Products, Loan Management, First Home Justin Dickinson 1/2/23 Applying, Banks & Lenders, Rates & Products, Loan Management, First Home Justin Dickinson 1/2/23

How does an offset account actually work?

What is an offset home loan account? How doest it differ from a redraw mortgage account?

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If not the Big 4, then who?
Applying, Banks & Lenders Justin Dickinson 19/1/23 Applying, Banks & Lenders Justin Dickinson 19/1/23

If not the Big 4, then who?

The Big 4 banks . After what was revealed about them in the Royal Commission the shine has totally gone off them. But who else is out there? We compare the best of the rest.

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Equity. What is it and how to calculate it?
Applying, Banks & Lenders, Loan Management Justin Dickinson 12/1/23 Applying, Banks & Lenders, Loan Management Justin Dickinson 12/1/23

Equity. What is it and how to calculate it?

Equity is cool. The more equity to have the richer you are! It’s not some mythical thing, but it can grow magically without you knowing. It can also magically reduce without you knowing as well!

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Have less than a 20% deposit?
Applying, Rates & Products, First Home, Banks & Lenders Justin Dickinson 5/1/23 Applying, Rates & Products, First Home, Banks & Lenders Justin Dickinson 5/1/23

Have less than a 20% deposit?

Typically you need to contribute about 20% of the price of a property when you’re buying a property. But if you don’t have that magic number, don’t despair, there are still a few options available.

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HoLo understands business owners
Banks & Lenders, Applying Justin Dickinson 1/12/22 Banks & Lenders, Applying Justin Dickinson 1/12/22

HoLo understands business owners

The fact is, banks treat business owners differently. They think you’re a bit too complex; they think you’re a bit more risky; and you take too much of their time to consider your loan. In short, they sometimes just put you in the too-hard basket.

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