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.
HELP (Higher Education Loan Scheme)
The Higher Education Loan Scheme (HELP) is a financial assistance program for eligible students in Australia.
It is designed to help students cover the costs of higher education courses at approved institutions. Students can choose to defer their tuition fees and repay the debt once their income reaches a certain threshold.
The repayments are based on a percentage of the borrower’s income. Repayments are made through the Australian tax system once the borrowers income exceeds the repayment threshold.
To qualify for HECS you must be studying in a Commonwealth supported place, be an Australian citizen and meet the residency requirements, or be a New Zealand Special Category Visa (SCV) holder or permanent humanitarian visa holder and meet the residency requirements.
Learn MoreWhile a HECS/HELP debt is different to most other forms of credit, it's still an outstanding debt. Lenders will want to know about all of your debts and credit products when you apply for a home loan, including car loans, credit cards and more
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