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et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_text et_pb_text_1 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p style="text-align: center;">⭐️⭐️⭐️⭐️⭐️<br><strong>Building Business Dreams: Credit4U Fuels My Entrepreneurial Spirit!</strong></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_2 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_2 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p style="text-align: center;">⭐️⭐️⭐️⭐️⭐️<br><strong>Home Sweet Home Loan: Credit4U Makes Owning a Home a Reality!</strong></p></div> </div> </div> </div><div class="et_pb_row et_pb_row_1"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_3 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div id="asform" class="et_pb_with_border et_pb_module et_pb_contact_form_0 et_pb_contact_form_container clearfix" data-form_unique_num="0" data-form_unique_id="7ba0fa74-d295-4b6c-80e0-6246f16820f6"> <h1 class="et_pb_contact_main_title">Begin Your Loan Application Today!</h1> <div class="et-pb-contact-message"></div> <div class="et_pb_contact"> <form class="et_pb_contact_form clearfix" method="post" action="https://credit4u.com.au/easy-home-loan/"> <p class="et_pb_contact_field et_pb_contact_field_0 et_pb_contact_field_half" data-id="fn" data-type="input"> <label for="et_pb_contact_fn_0" class="et_pb_contact_form_label">First Name</label> <input type="text" id="et_pb_contact_fn_0" class="input" value="" name="et_pb_contact_fn_0" data-required_mark="required" data-field_type="input" data-original_id="fn" placeholder="First Name"> </p><p class="et_pb_contact_field et_pb_contact_field_1 et_pb_contact_field_half et_pb_contact_field_last" data-id="ln" data-type="input"> <label for="et_pb_contact_ln_0" class="et_pb_contact_form_label">Last Name</label> <input type="text" id="et_pb_contact_ln_0" class="input" value="" name="et_pb_contact_ln_0" data-required_mark="required" data-field_type="input" data-original_id="ln" placeholder="Last Name"> </p><p class="et_pb_contact_field et_pb_contact_field_2 et_pb_contact_field_half" data-id="ph" data-type="input"> <label for="et_pb_contact_ph_0" class="et_pb_contact_form_label">Phone Number</label> <input type="text" id="et_pb_contact_ph_0" class="input" value="" name="et_pb_contact_ph_0" data-required_mark="required" data-field_type="input" data-original_id="ph" placeholder="Phone Number" pattern="[0-9\s-]*" title="Only numbers allowed."> </p><p class="et_pb_contact_field et_pb_contact_field_3 et_pb_contact_field_half et_pb_contact_field_last" data-id="st" data-type="select"> <label for="et_pb_contact_st_0" class="et_pb_contact_form_label">State</label> <select id="et_pb_contact_st_0" class="et_pb_contact_select input" name="et_pb_contact_st_0" data-required_mark="required" data-field_type="select" data-original_id="st"> <option value="">State</option><option value="ACT">ACT</option><option value="NSW">NSW</option><option value="NT">NT</option><option value="QLD">QLD</option><option value="SA">SA</option><option value="TAS">TAS</option><option value="VIC">VIC</option><option value="WA">WA</option> </select> </p><p class="et_pb_contact_field et_pb_contact_field_4 et_pb_contact_field_last" data-id="email" data-type="email"> <label for="et_pb_contact_email_0" class="et_pb_contact_form_label">Email Address</label> <input type="text" id="et_pb_contact_email_0" class="input" value="" name="et_pb_contact_email_0" data-required_mark="required" data-field_type="email" data-original_id="email" placeholder="Email Address"> </p><p class="et_pb_contact_field et_pb_contact_field_5 et_pb_contact_field_last" data-id="lam" data-type="input"> <label for="et_pb_contact_lam_0" class="et_pb_contact_form_label">Loan Amount</label> <input type="text" id="et_pb_contact_lam_0" class="input" value="" name="et_pb_contact_lam_0" data-required_mark="required" data-field_type="input" data-original_id="lam" placeholder="Loan Amount" pattern="[0-9\s-]*" title="Only numbers allowed."> </p><p class="et_pb_contact_field et_pb_contact_field_6 et_pb_contact_field_last" data-id="wh" data-type="checkbox"> <label for="et_pb_contact_wh_0" class="et_pb_contact_form_label">Please select : </label> <input class="et_pb_checkbox_handle" type="hidden" name="et_pb_contact_wh_0" data-required_mark="required" data-field_type="checkbox" data-original_id="wh"> <span class="et_pb_contact_field_options_wrapper"> <span class="et_pb_contact_field_options_title">Please select : </span> <span class="et_pb_contact_field_options_list"><span class="et_pb_contact_field_checkbox"> <input type="checkbox" id="et_pb_contact_wh_6_0" class="input" value="I want a Home Loan" data-id="-1"> <label for="et_pb_contact_wh_6_0"><i></i>I want a Home Loan</label> </span><span class="et_pb_contact_field_checkbox"> <input type="checkbox" id="et_pb_contact_wh_6_1" class="input" value="I want a Refinance" data-id="0"> <label for="et_pb_contact_wh_6_1"><i></i>I want a Refinance</label> </span><span class="et_pb_contact_field_checkbox"> <input type="checkbox" id="et_pb_contact_wh_6_2" class="input" value="Other/Investment Property" data-id="1"> <label for="et_pb_contact_wh_6_2"><i></i>Other/Investment Property</label> </span></span> </span> </p><p class="et_pb_contact_field et_pb_contact_field_7 et_pb_contact_field_last" data-id="consent" data-type="checkbox"> <label for="et_pb_contact_consent_0" class="et_pb_contact_form_label"> </label> <input class="et_pb_checkbox_handle" type="hidden" name="et_pb_contact_consent_0" data-required_mark="required" data-field_type="checkbox" data-original_id="consent"> <span class="et_pb_contact_field_options_wrapper"> <span class="et_pb_contact_field_options_title"> </span> <span class="et_pb_contact_field_options_list"><span class="et_pb_contact_field_checkbox"> <input type="checkbox" id="et_pb_contact_consent_7_0" class="input" value="I confirm that I’m 18 or over and an Australian citizen or permanent resident." data-id="-1"> <label for="et_pb_contact_consent_7_0"><i></i>I confirm that I’m 18 or over and an Australian citizen or permanent resident.</label> </span></span> </span> </p> <input type="hidden" value="et_contact_proccess" name="et_pb_contactform_submit_0"> <div class="et_contact_bottom_container"> <button type="submit" name="et_builder_submit_button" class="et_pb_contact_submit et_pb_button">Submit</button> </div> <input type="hidden" id="_wpnonce-et-pb-contact-form-submitted-0" name="_wpnonce-et-pb-contact-form-submitted-0" value="92fe3199a5"><input type="hidden" name="_wp_http_referer" value="/easy-home-loan/"> </form> </div> </div> </div> </div><div class="et_pb_row et_pb_row_2"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_4 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_0 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/stylish-young-man-with-glasses-posing-SBI-300988656-1-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>Credit4U sorted me out quicker than a barbie snag on a hot day. Wanted to finally get that surfboard shaping business off the ground, but the banks were a bigger hassle than a kook trying to catch a wave. Filled out the application on the beach between surfs, got approved faster than a set rolling in. Top company, Credit4U. Now I’m shaping dreams, not just waves!</span></p></div></div> <span class="et_pb_testimonial_author">Bruce</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_5 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_1 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/joyful-woman-on-a-deep-blue-backdrop-SBI-317640019-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p style="text-align: left;"><span style="font-family: Besley; font-weight: normal;">I’m a bit of a control freak when it comes to my finances, alright? So naturally, applying for a home loan had me in a tizz. Credit4U surprised me, though. Their online portal was crystal clear, the whole process was transparent, and the interest rate? Fair dinkum competitive. Now I’m a homeowner, and it wasn’t a complete nightmare thanks to Credit4U. Top recommendation from this fussy Sydneysider!</span></p></div></div> <span class="et_pb_testimonial_author">Olivia</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_6 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_testimonial et_pb_testimonial_2 clearfix et_pb_text_align_left et_pb_bg_layout_light et_pb_testimonial_no_image"> <div style="background-image: url("https://credit4u.com.au/wp-content/uploads/2024/04/smiling-senior-man-in-blue-sweater-arms-crossed-studio-shot-against-white-wall-SBI-305235049-1.jpg"); padding-bottom: 0px; width: 90px; height: 90px;" class="et_pb_testimonial_portrait"></div> <div class="et_pb_testimonial_description" style="margin-left: 0px;"> <div class="et_pb_testimonial_description_inner"><div class="et_pb_testimonial_content"><p><span>Never thought I’d need a business loan at this point in life, but the grandkids wanted to help out with the bait shop. Banks? Gave me a headache. Credit4U? They were a breath of fresh air. Sorted online, no fuss, and now the shop’s doing a roaring trade. Thanks, Credit4U!</span></p></div></div> <span class="et_pb_testimonial_author">Liam</span> <p class="et_pb_testimonial_meta"></p> </div> </div> </div> </div><div class="et_pb_row et_pb_row_3"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_7 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_3 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h4 style="text-align: center;"><strong>1097+ Satisfied Home Buyers and The Next Can Be You!</strong></h4></div> </div> </div> </div><div class="et_pb_with_border et_pb_row et_pb_row_4 et_pb_equal_columns"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_8 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_4 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h1><strong>Why Choose Us for a Home Loan?</strong></h1></div> </div><div class="et_pb_module et_pb_text et_pb_text_5 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span>Streamlined Home Loans: Personalized Service, Simplified Process</span></p> <p data-sourcepos="7:1-7:188"><strong>Own Your Dream Home Faster:</strong> At Credit4U, we take the stress out of home financing. Combine the <strong>power of technology</strong> with the <strong>personalized guidance</strong> of a dedicated loan officer.</p> <p data-sourcepos="9:1-9:30"><strong>Here’s what sets us apart:</strong></p> <ul data-sourcepos="11:1-14:0"> <li data-sourcepos="11:1-11:91"><strong>Fast & Easy Applications:</strong><span> </span>Apply online in minutes and get pre-qualified quickly.</li> <li data-sourcepos="12:1-12:123"><strong>Expert Support:</strong><span> </span>Our experienced loan officers are here to answer your questions and guide you every step of the way.</li> <li data-sourcepos="13:1-14:0"><strong>Transparent Rates & Terms:</strong><span> </span>No hidden fees, just clear and competitive rates that fit your budget.</li> </ul> <p data-sourcepos="15:1-15:41"><strong>Unlock Your Homeownership Potential:</strong></p> <ul data-sourcepos="17:1-20:0"> <li data-sourcepos="17:1-17:102"><strong>Flexible Loan Options:</strong><span> </span>Fixed or adjustable rates, we have options to suit your financial goals.</li> <li data-sourcepos="18:1-18:102"><strong>Real-Time Updates:</strong><span> </span>Manage your application and track progress easily through our online portal.</li> <li data-sourcepos="19:1-20:0"><strong>Stress-Free Experience:</strong><span> </span>We prioritize clear communication and a smooth process for your peace of mind.</li> </ul> <p data-sourcepos="21:1-21:130"><strong>Start your journey to homeownership today!</strong> Get a free quote and see why Credit4U is the smarter choice.</p></div> </div> </div> </div><div class="et_pb_row et_pb_row_5"> <div class="et_pb_column et_pb_column_2_5 et_pb_column_9 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_0"> <span class="et_pb_image_wrap "><img fetchpriority="high" decoding="async" width="1707" height="2560" alt="" title="pexels-oleksandr-p-7599735" data-srcset="https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-scaled.jpg 1707w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-1280x1920.jpg 1280w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-980x1470.jpg 980w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-480x720.jpg 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1707px, 100vw" data-src="https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-scaled.jpg" class="wp-image-935 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img fetchpriority="high" decoding="async" width="1707" height="2560" src="https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-scaled.jpg" alt="" title="pexels-oleksandr-p-7599735" srcset="https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-scaled.jpg 1707w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-1280x1920.jpg 1280w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-980x1470.jpg 980w, https://credit4u.com.au/wp-content/uploads/2024/04/pexels-oleksandr-p-7599735-480x720.jpg 480w" sizes="(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) and (max-width: 1280px) 1280px, (min-width: 1281px) 1707px, 100vw" class="wp-image-935" /></noscript></span> </div> </div><div class="et_pb_column et_pb_column_3_5 et_pb_column_10 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_6 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2>How does it work?</h2></div> </div><div class="et_pb_module et_pb_text et_pb_text_7 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p data-sourcepos="7:1-7:182"><strong>1. Simple Online Application:</strong> Start your journey anywhere, anytime with our user-friendly application. Get pre-qualified quickly and set the stage for a smooth home loan process.</p> <p data-sourcepos="9:1-9:214"><strong>2. Transparent Pre-Approval:</strong> We leverage technology to process applications rapidly. Expect swift pre-approval and clear communication about your loan status and the next steps. No surprises, just transparency.</p> <p data-sourcepos="11:1-11:232"><strong>3. Dedicated Loan Officer Support:</strong> Our experienced team walks you through the entire process, from application to closing. They’ll answer your questions, address specific needs, and make sure everything is clear and comfortable.</p> <p data-sourcepos="13:1-13:185"><strong>4. Celebrate Your New Home!</strong> Once the loan is secured, it’s time to celebrate! We’re with you even after closing, offering ongoing support for a smooth transition into homeownership.</p> <p data-sourcepos="15:1-15:68"><strong>“Start Your Homeownership Journey Today!”</strong></p></div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_1 et_section_regular"> <div class="et_pb_row et_pb_row_6"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_11 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_image et_pb_image_1"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="1920" height="1280" alt="" title="banner6" data-srcset="https://credit4u.com.au/wp-content/uploads/2022/12/banner6.jpg 1920w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-300x200.jpg 300w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-1024x683.jpg 1024w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-768x512.jpg 768w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-1536x1024.jpg 1536w" sizes="auto, (max-width: 1920px) 100vw, 1920px" data-src="https://credit4u.com.au/wp-content/uploads/2022/12/banner6.jpg" class="wp-image-354 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="1920" height="1280" src="https://credit4u.com.au/wp-content/uploads/2022/12/banner6.jpg" alt="" title="banner6" srcset="https://credit4u.com.au/wp-content/uploads/2022/12/banner6.jpg 1920w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-300x200.jpg 300w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-1024x683.jpg 1024w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-768x512.jpg 768w, https://credit4u.com.au/wp-content/uploads/2022/12/banner6-1536x1024.jpg 1536w" sizes="auto, (max-width: 1920px) 100vw, 1920px" class="wp-image-354" /></noscript></span> </div> </div> </div><div class="et_pb_with_border et_pb_row et_pb_row_7"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_12 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_divider et_pb_divider_0 et_pb_divider_position_ et_pb_space"><div class="et_pb_divider_internal"></div></div><div class="et_pb_module et_pb_text et_pb_text_8 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h3 class="font_2 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_17 wixui-rich-text__text">Transparent and supportive lending</span></span></h3></div> </div><div class="et_pb_module et_pb_text et_pb_text_9 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><ul> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">Loan term – Up to 32 years</span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">No fe</span></span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">es</span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">No penalties for early loan repayment</span></span><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text"></span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">APR – As low as 6.04%<br>(One of the lowest APR in the market)</span></span></li> <li class="font_8 wixui-rich-text__text"><span class="wixui-rich-text__text"><span class="color_34 wixui-rich-text__text">Get final approval earliest in a week</span></span></li> </ul></div> </div><div class="et_pb_button_module_wrapper et_pb_button_0_wrapper et_pb_module "> <a class="et_pb_button et_pb_button_0 et_pb_bg_layout_light" href="https://credit4u.com.au/contact-us" target="_blank">APPLY NOW</a> </div> </div> </div><div class="et_pb_row et_pb_row_8"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_13 et_pb_css_mix_blend_mode_passthrough et-last-child et_pb_column_empty"> </div> </div> </div><div class="et_pb_section et_pb_section_2 et_pb_section_parallax et_pb_fullwidth_section et_section_regular"> <section class="et_pb_module et_pb_fullwidth_header et_pb_fullwidth_header_0 et_pb_text_align_left et_pb_bg_layout_dark"> <div class="et_pb_fullwidth_header_container left"> <div class="header-content-container center"> <div class="header-content"> <h1 class="et_pb_module_header">Turn Your Dream Into A Home</h1> <span class="et_pb_fullwidth_header_subhead">Go from finding a home to owning it in a week! Our Home Lending Specialists are here to help every step of the way, with flexible hours including evenings and weekends. Get started with your home loan today – book a phone consultation now!</span> <div class="et_pb_header_content_wrapper"></div> </div> </div> </div> <div class="et_pb_fullwidth_header_overlay"></div> <div class="et_pb_fullwidth_header_scroll"></div> </section> </div><div class="et_pb_section et_pb_section_3 et_section_regular"> <div class="et_pb_row et_pb_row_9"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_14 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_10 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><h2>Frequently Asked Questions about Home Loan</h2></div> </div><div class="et_pb_module et_pb_accordion et_pb_accordion_0"> <div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_0 et_pb_toggle_open"> <h5 class="et_pb_toggle_title">Can I get a home loan if I have bad credit?</h5> <div class="et_pb_toggle_content clearfix"><p><span>We understand that credit histories can vary, and we cater to borrowers with different credit profiles. While having a good credit score may improve your chances of approval, we also consider other factors and offer home loan options for individuals with Bad credit Score</span><span>.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_1 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">How do I know if a home loan is the right option for me?</h5> <div class="et_pb_toggle_content clearfix"><p><span>Our experienced team is here to help you make an informed decision. We’ll assess your financial situation, discuss your needs and goals, and recommend a personalized loan solution that aligns with your circumstances.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_2 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">Can I repay my home loan early?</h5> <div class="et_pb_toggle_content clearfix"><p><span>Yes, many of our home loan products offer the flexibility to make early repayments without penalties. Paying off your loan ahead of schedule can save you money on interest and help you become debt-free sooner.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_3 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What is the application process for a home loan?</h5> <div class="et_pb_toggle_content clearfix"><p><span>Applying for a personal loan with us is simple and convenient. You can start the process by filling out our online application form or contacting our team directly. We’ll guide you through the application and documentation requirements.</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_4 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">How long does it take to get approved for a home loan?</h5> <div class="et_pb_toggle_content clearfix"><p><span>Our goal is to provide quick and efficient service. We strive to provide prompt approvals to meet your financial needs.</span></p> <p>Pre-Approval: 1 to 2 weeks. Property Valuation: 1 to 2 weeks. Loan Offer and Acceptance: 1 to 2 weeks. Final Approval: 1 to 4 weeks.<span></span></p> <p><span></span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_5 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What are the interest rates for home loans?</h5> <div class="et_pb_toggle_content clearfix"><p><span>We offer competitive interest rates as low as 5.48% p.a. (6.28% p.a. comparison rate).</span></p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_6 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What types of home loans are available?</h5> <div class="et_pb_toggle_content clearfix"><p>There are several types of home loans available including:</p> <p><strong>Fixed-rate loans:</strong> The interest rate is fixed for a certain period.<br><strong>Variable-rate loans:</strong> The interest rate can change.<br><strong>Interest-only loans:</strong> Payments only cover interest for a period.<br><strong>Low-doc loans</strong>: For self-employed or those with limited proof of income.</p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_7 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">What fees should I expect when taking out a home loan?</h5> <div class="et_pb_toggle_content clearfix"><p>Common fees include application fees, loan establishment fees, legal fees, and possible ongoing fees such as account keeping fees. You may also be subject to government charges like stamp duty.</p></div> </div><div class="et_pb_toggle et_pb_module et_pb_accordion_item et_pb_accordion_item_8 et_pb_toggle_close"> <h5 class="et_pb_toggle_title">How do I make repayments on my home loan?</h5> <div class="et_pb_toggle_content clearfix"><p>Repayments can typically be made via direct debit from your bank account on a monthly, fortnightly, or weekly basis, depending on your arrangement with the lender.</p></div> </div> </div> </div> </div> </div><div class="et_pb_section et_pb_section_5 et_pb_with_background et_section_regular"> <span class="et_pb_background_pattern"></span> <div class="et_pb_row et_pb_row_10"> <div class="et_pb_column et_pb_column_1_3 et_pb_column_15 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_image et_pb_image_2"> <span class="et_pb_image_wrap "><img loading="lazy" decoding="async" width="678" height="146" alt="" title="White credit 4 u logo" data-srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" class="wp-image-672 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="678" height="146" src="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png" alt="" title="White credit 4 u logo" srcset="https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo.png 678w, https://credit4u.com.au/wp-content/uploads/2023/07/White-credit-4-u-logo-480x103.png 480w" sizes="auto, (min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 678px, 100vw" class="wp-image-672" /></noscript></span> </div><div class="et_pb_module et_pb_text et_pb_text_11 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p><span style="font-weight: 400;">Credit4u has well established and committed relationships with a range of lenders Australia wide, which puts us in an advantageous position to offer you a loan that best suits your requirements.</span></p></div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_16 et_pb_css_mix_blend_mode_passthrough"> <div class="et_pb_module et_pb_blurb et_pb_blurb_0 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap"><span class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone et-pb-icon"></span></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Quick Link</span></h4> <div class="et_pb_blurb_description"><p><a href="https://credit4u.com.au" target="_blank" rel="noopener">Home</a></p> <p><a href="https://credit4u.com.au/about-us-2/" target="_blank" rel="noopener">About Us</a></p> <p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Contact Us</a></p> <p><a href="https://credit4u.com.au/faqz/" target="_blank" rel="noopener">Faqs</a></p> <p><a href="https://credit4u.com.au/contact-us/" target="_blank" rel="noopener">Apply Now</a></p></div> </div> </div> </div> </div><div class="et_pb_column et_pb_column_1_3 et_pb_column_17 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_blurb et_pb_blurb_1 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><a href="https://credit4u.com.au/contact-us/" target="_blank"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img loading="lazy" decoding="async" width="64" height="64" alt="" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="64" height="64" src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-01.png" alt="" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-673" /></noscript></span></a></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><a href="https://credit4u.com.au/contact-us/" target="_blank">Contact Us</a></h4> <div class="et_pb_blurb_description"><p>Credit4u.com.au collects data for Local Capital Pty. Ltd.</p> <p>ABN: 79 142 973 279</p> <p>Licence Number: 393689</p></div> </div> </div> </div><div class="et_pb_module et_pb_blurb et_pb_blurb_2 et_pb_text_align_left et_pb_blurb_position_left et_pb_bg_layout_light"> <div class="et_pb_blurb_content"> <div class="et_pb_main_blurb_image"><span class="et_pb_image_wrap et_pb_only_image_mode_wrap"><img loading="lazy" decoding="async" width="64" height="64" alt="" data-src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-05.png" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-674 lazyload" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw=="><noscript><img loading="lazy" decoding="async" width="64" height="64" src="https://credit4u.com.au/wp-content/uploads/2023/07/Real-estate-agent-icon-white-05.png" alt="" class="et-waypoint et_pb_animation_off et_pb_animation_off_tablet et_pb_animation_off_phone wp-image-674" /></noscript></span></div> <div class="et_pb_blurb_container"> <h4 class="et_pb_module_header"><span>Email</span></h4> <div class="et_pb_blurb_description"><p>info@credit4u.com.au</p></div> </div> </div> </div> </div> </div><div class="et_pb_row et_pb_row_11"> <div class="et_pb_column et_pb_column_4_4 et_pb_column_18 et_pb_css_mix_blend_mode_passthrough et-last-child"> <div class="et_pb_module et_pb_text et_pb_text_12 et_pb_text_align_left et_pb_bg_layout_light"> <div class="et_pb_text_inner"><p style="text-align: center;"><span style="color: #ffffff;">Credit4u pays respects to the Traditional Custodians of lands all over Oz, recognising their continued care for Country and Culture. 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