Burnie, Tas

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YouSelect
Home Loans

ABN 27 802 929 618

I Research the Loan Market - but...
YouSelect the Right HOME LOAN Option for YOU!!

Ph:     03 64 333 402

Fax:    03 64 333 403


Shop 7, "Shorewell Plaza"
11a Wiseman Street
Shorewell Park (Burnie)
Tas 7320
home loans | investment loans | consolidation loans | equity loans | self-employed loans | lo doc / no doc loans | pensioner loans | construction loans | owner builder loans | non-conforming loans | car loans | hire purchase & leasing | short term loans | personal loans | finance (re)structuring | commercial loans | business loans | agri-business loans | real estate for sale | property syndicates | general & life insurance | affordable kit homes | sheds and more | investment advisory services | budgeting

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Simple Budgeting Program


J 'Zoe's
  • Café / Restaurant
  • Coffee, Cake, Meals, & More!
  • Caterers


  • Ph: 03 64 333 888


    ShineLife Computers
  • Low Cost Computers
  • $290 - Delivered anywhere in Tasmania
  • MS Windows XP Pro; MS Office 2003 Home; plus much more


  • Ph: 03 64 333 471


    Nancy's B&B
  • The Centre of Tassie's West Coast
  • 9 Propsting Street, Rosebery
  • Nancy's Bed and Breakfast at Rosebery, your home away from home, is the perfect place whether you are backpacking, a large group or a family. We have serviced rooms, backpackers accommodation and self contained houses that can sleep up to 12.

    We will serve you a fully cooked breakfast, pack your lunch then you can return to us for a delicious home cooked evening meal after your day or adventuring or simply relaxing. Then climb into your nice warm bed.
    Come on -- Treat yourself today!

    Ph: 03 6473 1465



    © 2008
    YouSelect Home Loans

    Full Trading Name:
    Jah'el Ashure Pty Ltd
    (ACN:130 812 387) atf
    The Reflexions & Echoes Trust
    t/as YouSelect Home Loans
    ABN: 27 802 929 618

    YouSelect Home Loans


    About Us

    We are Specialist Mortgage & Finance Planners who...

    "Help our Clients to Enhance their Financial Futures!"

    We do this by...
    • Comparing 100's of Loan Products to identify the Best Loan option for You - thereby, saving YOU Time, Money, and Stress!
    • Looking for ways to Create Wealth and Reduce Debt, so YOU can take charge of your Financial Future!
    • Offering unique options that can help or improve your financial situation!

    YouSelect Home Loans can ...

    • Help Clients FIND the RIGHT LOAN from 100's of available loans and lenders. We have access to loans that suit almost every situation; including first home buyers, investors, refinancers, no deposit, pensioners, and the self employed.

    • Offer a FREE HOME LOAN CHECK to Clients to make sure you’re still getting a great deal on your existing loan!

    • Offer GREAT SERVICE - Our Mobile Mortgage Planners can come to you day or night 7 days a week.

    • Offer MORTGAGE REDUCTION STRATEGIES - to potentially SAVE you Time and thousands of $ in Interest.

    We are sure you will find YouSelect Home Loans easy to deal with, and our staff are professional and courteous at all times.

    Give us a call today on 03 64 333 402, and find out for yourself.

    To Find out more CONTACT us today!


    Mortgage Product Types Explained

    The content below provides a brief overview of each type of product. Should you have a need for further details and information and would like to compare one Lenders' products to another Lender then please contact us - and one of our qualified Staff will be able to speak with you and/or arrange a personal consultation.

    100% Offset Home Loan

    Our 100% Offset Home Loan has a Savings Account attached to it. It puts you in control. It combines a fully featured home loan with all the benefits of a 100% offset savings account and lets you see at a glance what you owe and what you own because the offset balance is shown separately. The Savings Account is a transactional account. The best part is that interest charges are calculated by applying the interest rate to the net balance (loan amount less offset balance) each day.

    Line of Credit

    The Line of Credit includes a home loan which incorporates the features of a transaction account. There are two target markets for this type of home loan:

    Principal & Interest
    This Line of Credit option is with a reducing credit limit. This means the borrower has the use of a transaction account while the home loan limit reduces. If the account is operated correctly and repayments/deposits exceed withdrawals the home loan is usually paid off sooner than a standard term home loan, saving you years on your loan term and thousands of dollars in interest.

    Interest Only 
    The interest only option on the Line of Credit account gives you access to the full limit of the loan for the interest only period. This option is preferred by investors. By using the equity in your home or existing property the funds can be used for further investment in property, shares or other personal uses. There are Line of Credit products where the interest only term is for the life of the loan while others may be interest only for up to 10 years.

    Line of Credit - Property Line

    We do have a Lender which has this product, generally for the more sophisticated property owner that is confident with arranging his financial affairs.

    This product allows you to manage your investment properties or multiple loans with this line of credit product, and make interest-only repayments for the first 10 years before principal and interest repayments are required. Up to 4 sub-accounts are available under one global limit, which transfers available credit where needed. This makes more funds available for investment as personal debt decreases.

    Use a Property Line for the purchase or refinance an owner-occupied or investment property, debt consolidation and home equity loan.

    Credit Cards

    Many loan packages come with a Credit Card facility with special pricing and other reward programs. Our range of products include many options here and because of the complexity of each Card it is best to have one of our qualified staff explain the benefits of each to you so you may choose the best Card for you.

    Most importantly, now that you know about the availability of Credit Cards and their potential benefits you will not miss out, so be sure to question your Personal Broker.

    Term Loans

    Principal & Interest

    A standard term loan option that offers principal and interest repayments for the full term of the loan. Interest rate flexibility allows you to have a fixed or variable interest rate, and you can also split your loan.

    Interest Only 

    Ideal for investors, this option allows you to have up to 10 years interest-only repayments before principal and interest repayments are required. Fixed and variable interest rate options are available.

    Low Doc

    100% Offset Home Loan, Term Loan or Line of Credit

    The Low Doc (sometimes called Lo Doc) means minimal supporting documentation verifying your income is required with this type of loan application. Persons finding it difficult proving their income, yet they can afford the loan, use this type of loan. It does usually come with higher fees, interest rate and some restrictions.

    When you combine your Home Loan with our Low Doc package no proof of income is required. Just complete and sign an income declaration form with the standard Home Loan application. This saves you the hassle of working through payslips, tax returns and other documents when applying for your loan.

    Principal & Interest and Interest-Only options with fixed interest rates and variable interest rates are available.

    Construction/Building Loans

    Building Loans are available as a Term Loan with several flexible options:

    1. Fixed or variable interest rate options
    2. 100% Offset Home Loan
    3. Lo Doc Term Loans
    4. Go-between (bridging finance) Loans

    Building is generally completed in several stages. Once a stage is completed, the builder will issue an invoice. If the stage has been completed to your satisfaction, you will authorise us to pay the builder. This means the loan is drawn in stages through progressive payments. The builder will issue you with approximately 5 invoices during the course of construction. Prior to making a payment to the builder, we may confirm the works claimed are completed.

    Go-Between Loans (Bridging Finance)

    A Go-Between loan offers you an easy way to purchase a new home before you sell your existing one. Rather than needing to make two sets of loan repayments throughout the transitional period only repayments on the existing loan are required. There are no repayments required on a new home loan as these repayments (i.e. interest only portion) is added to the new loan.

    Often there is a fear that bridging finance is expensive but that is not the case these days. Special rules and provisions apply and it is best to discuss these with one of our qualified staff.

    To Find out more CONTACT us today!