Home loans fact sheets
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Should I rent or buy? (40Kb)
The arguments for and against home ownership may both sound convincing the first time you hear them. When deciding whether to rent or buy, you need to weigh up your financial capacity, lifestyle and personal goals.
Am I ready to buy? (129Kb)
If you have made the decision that home ownership is the best solution for you and your family's housing needs, it may take some time before you can apply for a loan.
What are the additional costs of home ownership? (120Kb)
There are many costs associated with buying a home. In order to help you to organise your budget, we have listed some of the most common expenses to be expected.
Interest rate alternatives (193Kb)
Interest is the cost of borrowing money and is paid to the lender as part of your regular loan repayments. With most lenders you can choose whether you would like a fixed or variable interest rate home loan.
Mortgage Relief loan (79Kb)
The Department of Housing Mortgage Relief loan provides short-term assistance to people experiencing difficulties with their home loan repayments as a result of an unforeseen change in their circumstances. Mortgage Relief is provided by way of an interest free loan of up to $12,000 which is paid directly to the applicant's home lender
Queensland Housing Finance Loan - Purchases or Refinances (19Kb)
The Purchases or Refinances document provides you with the Comparison Rate Schedule if you are enquiring about Queensland Housing Finance Loan finance to purchase an established house, unit, townhouse or duplex.
Queensland Housing Finance Loan - Construction (19Kb)
The Construction document provides you with the Comparison Rate Schedule if you are enquiring about Queensland Housing Finance Loan finance to construct a new home.
Queensland Housing Finance Loan - Rental Purchase Plan Refinances (19Kb)
If you currently have a Rental Purchase Plan Agreement with the department, the Rental Purchase Plan Refinances document provides you with the Comparison Rate Schedule if you are enquiring about Queensland Housing Finance Loan finance to move to full ownership.
Queensland State Housing Loan - Department of Housing tenants (19Kb)
This document provides the Comparison Rate Schedule for Department of Housing tenants or people on the waitlist for public housing enquiring about the Queensland State Housing Loan.
Queensland State Housing Loan - Other eligible applicants (19Kb)
This document provides the Comparison Rate Schedule for people other than Department of Housing tenants or people on the waitlist for public housing enquiring about the Queensland State Housing Loan.
Budget planner (12Kb)
The budget planner will assist you to compare your income with your regular commitments and unexpected expenses to see if you can afford to buy a home.
A glossary of terms - what does it mean? (159Kb)
A glossary of home loan terms eg. AAPR is the Average Annual Percentage Rate, which is also known as the mortgage comparison rate.
Fact sheets in languages other than English
Last updated 01 February 2008
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