Kandid Loans

Paying back a home loan is one of the biggest financial commitments that most Australians will ever make.  But what if you could reduce the term of your loan, slash the interest you pay, and gain financial freedom sooner? The good news is—you can. With the right strategy and tools, such as those provided by Kandid Loans , you can speed up your home loan repayments and make significant long-term savings. Why Pay Off Your Home Loan Faster? The sooner you pay off your home loan, the more money you save on interest. Even a few extra repayments per year or slightly higher monthly payments can cut years off your loan and reduce the total interest paid by thousands of dollars. In Australia, where home loan interest rates are closely watched and can vary, it's important to stay informed and proactive. Whether you're a first-time buyer or already paying off your mortgage, Kandid Loans can help you make smarter choices and gain control of your financial future. Top Strategies to Pay Of...

Buying a home is one of the biggest financial decisions you’ll ever make — especially in fast-growing areas like Parramatta, NSW . Whether you're a first-time buyer, upgrading your residence, or investing in property, understanding your home loan options is crucial. With rising property prices and a competitive housing market, securing the right mortgage can make all the difference. That’s where Kandid Loans comes in — helping Parramatta residents navigate the home loan process with confidence, clarity, and convenience. Why Parramatta? Parramatta is fast becoming one of Sydney’s most dynamic property hubs. With ongoing infrastructure development, a thriving business district, and a mix of modern apartments and family homes, it’s an ideal place to live or invest. The demand for housing is strong, and so is the competition — which means getting your home loan pre-approved early is a smart move. Understanding Your Home Loan Options There isn’t a one-size-fits-all home loan. Here a...

When it comes to preparing for a sizable down payment, purchasing your first home can be both thrilling and intimidating. Fortunately, the First Home Loan Deposit Scheme (FHLDS) , now known as the Home Guarantee Scheme , is designed to help eligible first-time buyers enter the property market sooner, with as little as a 5% deposit and no Lenders Mortgage Insurance (LMI). At Kandid Loans , our role as an independent mortgage broker in Sydney is to guide you through this process and help you secure the right loan with confidence. What is the First Home Loan Deposit Scheme? The First Home Loan Deposit Scheme is an Australian Government initiative that allows eligible first-home buyers to purchase a home with a deposit of just 5%, while the government guarantees the remaining 15% to meet the typical 20% deposit requirement. This guarantee helps buyers avoid the cost of Lenders Mortgage Insurance , which can save thousands of dollars. The scheme has specific eligibility criteria, includi...

  Why Refinancing Your Mortgage Could Be the Smartest Move for Your Home Loan   Refinancing your home loan is a  fiscal decision that can offer significant benefits, but  numerous homeowners are n’t sure if or when it’s the right time to refinance. Whether you’re looking to reduce your yearly disbursements, access equity for emendations, or switch to a better interest rate, understanding the reasons to refinance can help you make an informed choice.However, Kandid Loans is then to help you navigate the process easily with expert advice and  acclimatized loan options, If you’re considering a home loan refinance.  One of the most common reasons to refinance a mortgage is to take advantage of lower interest rates. Over time, interest rates change, and what  sounded like a great deal a many times ago might no longer be the most cost-effective option.  Refinancing your home loan can help you lock in a lower rate, which may reduce your yearly disb...