FAQS
Whether you’re a first-home buyer, upgrading, refinancing or planning your next investment, it’s normal to have questions. Kira has created this FAQ page to give you clear, easy-to-understand answers so you can move forward feeling informed and supported. Think of it as your go-to resource for all things home loans on the Gold Coast.
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How much deposit do I need to buy a home?
Most lenders prefer a deposit of around 20 percent, however there are many options available with as little as 5 percent if you meet certain criteria. Factors like your income, savings history and the type of property all play a role. Kira can walk you through your options and help you choose the pathway that suits your budget and goals.
Can I refinance even if my current interest rate is fixed?
Yes, you can. Refinancing a fixed-rate loan may involve break costs, and the amount varies depending on how much time is left on your fixed term. Kira compares the savings versus the fees to help you decide whether refinancing now or later works best for your financial situation.