In particular we focus on getting the loan structure right the first time, choosing which lenders to use in the right order (yes this is important) and finally getting our clients the best deal possible.
Lenders treat HECS debt like any other debt and as part of your home loan serviceability consider how much you pay back per month as it is based on your current income, they don’t really look at the size of it and how long you have to pay it off.
If you were to pay down or full pay out your HECS debt your borrowing capacity will increase. But talk to us about first about how your HECS debt may impact your serviceability.
