Lifesaver Home Loans is a 100% Australian owned and operated finance/lending company which services clients throughout Australia. Our directors have been involved in the consumer finance industry for over 30 years. Our aim is to obtain a finance solution for each and every client whether it be traditional bank finance, private finance, secured and unsecured lending.
We fully support and adhere to all statutory requirements including the Uniform Consumer Credit Code (UCCC). Firstly the name Lifesaver Home Loans was chosen after the feedback from several clients, and one in particular, who had been informed by lenders prior to seeing Lifesaver, that they would not qualify for a home loan.
We fully support and adhere to all statutory requirements including the Uniform Consumer Credit Code (UCCC). Firstly the name Lifesaver Home Loans was chosen after the feedback from several clients, and one in particular, who had been informed by lenders prior to seeing Lifesaver, that they would not qualify for a home loan.
Services
There has been a huge increase in the number of lenders and products to choose from and this has created a very competitive marketplace. Lenders no longer compete simply on interest rates alone but also on fees, charges and service, as well as the products and features of their loans.
There has also been a significant change to the types of loans available, with Australians having access to a smorgasbord of some of the most flexible mortgages in the world.Lenders require a qualified security guarantor offering a second security in addition to the security offered by the applicants.
There has also been a significant change to the types of loans available, with Australians having access to a smorgasbord of some of the most flexible mortgages in the world.Lenders require a qualified security guarantor offering a second security in addition to the security offered by the applicants.
Not long ago all mortgages were almost identical. The major lenders only offered a 'standard loan' therefore all you had to do was find the lowest interest rate and you would have found the best available loan. Now, even if the interest rate on two loans is identical, be warned that there can be a huge variation in how a loan can be conducted.
We use state of the art technology and experience to weave the Home Loan lender minefield. We ask you a series of questions; lenders are eliminated one by one, until you are matched to the right lender or a shortlist of comparable potential lenders depending on your individual needs. There are now well over fifty home loan lenders in Australia.
Lenders will lend over 95% of the purchase price of a property only if you obtain a security guarantor.e.g. This means that most, if not all of the costs (stamp duty and mortgage insurance) can be included in the loan with little or no extra funds being required from you.
Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to, and the option to redraw these funds for any purpose when you need to.Basic Variable Rate loans offer a lower interest rate, but fewer features.
Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments when you can afford to, and the option to redraw these funds for any purpose when you need to.Basic Variable Rate loans offer a lower interest rate, but fewer features.
When you contact us you will be phoned back by a Lifesaver consultant who will organise a time to visit you when it is most convenient to you. Please review our checklist. Having the required documentation ready certainly speeds up the process. The Lifesaver consultant will hand deliver your application to one of our experienced loan processors who will ring you and introduce themselves as your next point of contact.
Reviews (10)
Joel Laing
Dec 22, 2021
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The absolute best decision my wife and I made in 2021 was to get a life changer loan. I thought I would be much older than I am before I was this close to owning my home. Shane O’Grady is responsive and patient (I had so many dumb questions as it took me a long time to wrap my head around how the loan works), and Michelle was also extremely helpful in assisting me with getting all the necessary documents compiled. In less than five years from now, my wife and I will actually own our home-not too many traditional mortgage holders can say that. I’m not particularly wealthy (I’m a public education
Jack Swift
Jul 26, 2021
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Courtney H.
Jul 18, 2021
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Positive: Professionalism, Responsiveness, Value
So I had heard about this loan through a family member who has it and it is truly an incredible opportunity to change your life, as the business name implies. Super bummed I don’t qualify at the moment, but down the road these guys are definitely going to be my go-to.
So I had heard about this loan through a family member who has it and it is truly an incredible opportunity to change your life, as the business name implies. Super bummed I don’t qualify at the moment, but down the road these guys are definitely going to be my go-to.
Mark Phillips
Jul 14, 2021
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My goal was to pay off my mortgage but I was not able to make much progress. FINALLY I found Life Changer Loans and WOW, I’m on my way to paying off my mortgage! Why aren’t more loans like this? I went from 28 years left to payoff, down to 7 years! Agent (Justin) was super helpful and knowledgeable. Quick, easy and painless process.
Beachbabe
Apr 23, 2021
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I was skeptical when I first heard about this type of loan, but now that I've had it for six months, I would highly recommend it for anyone trying to pay off their mortgage in a fraction of the time. Compared to a traditional mortgage, I've already paid the principle down to an amount that I wouldn't have achieved for another 4 years! Shane was fantastic to work with and made this a seamless process. Here's to paying off my mortgage in 7 to 8 years!
Waylon Anglin
Apr 21, 2021
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Alma Lively
Apr 13, 2021
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I'm so happy that we found Shane O'Grady and Life Changer Loan. It has always been a goal of ours to pay our mortgage off before retirement. I had read about similar loans over 10 years ago but was unable to find any banks that offered the All In One Loan at that time. I found Life Changer Loan when i was searching for new Mortgage and refinance options. It is always a little scary trying a new loan product, especially one that most people are not familiar with and can sound too good to be true. Shane was great and understood those concerns. Right away i felt that he was genuine, honest and truly
Susan Fleck
Jan 11, 2021
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Shane and Donna were/are the absolute best to deal with to obtain this loan. Their customer service far exceeded my expectations. I am now set up on this amazing loan product and can't wait to be debt free. My husband and I have referred dozens of our friends and clients to them and will continue to do so. I highly recommend Life Changer Loan Corp, Shane, Donna and team.
Lorraine Ortega
Sep 03, 2020
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The life changer loan has been the most financially beneficial loan we have ever had. Due to the flexibility of this loan, we were able to pay for both our daughters weddings and countless home improvement projects, just by simply writing a check.
Plus, we were able to pay down our principal balance at a much faster pace than a traditional loan.
I would recommend this loan to anyone who is looking to pay off their mortgage rapidly, but also appreciate having access to all of their equity for large expenses in the future.
Plus, we were able to pay down our principal balance at a much faster pace than a traditional loan.
I would recommend this loan to anyone who is looking to pay off their mortgage rapidly, but also appreciate having access to all of their equity for large expenses in the future.
Barbara Garcia
Sep 01, 2020
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In January we did our first life changer loan. We were able to pay our house down fast. In June we were able to take enough money out of the first loan to buy a second home. The monthly interest for both homes together is less then our original mortgage. This loan has changed our lives. Shane and Donna are so helpful and easy to work with. I highly recommend this loan.
