Tailored Financial Solutions
Compare hundreds of home loan products and secure competitive rates with expert broker support.
Home Loans That Work For You
Home Loans That Work For You
Your home loan is likely the biggest financial commitment you’ll ever make, so it’s crucial to get it right. With interest rates, fees, features, and terms varying widely between lenders, comparing options can be overwhelming.
That’s where we come in. Our mortgage brokers have access to home loan products from over 40 lenders, including major banks, regional banks, and specialist lenders.
- Compare rates from 40+ lenders
- Personalized loan matching
- Expert negotiation on your behalf
- Free service - no broker fees
40+ Lenders
Access to major banks and specialist lenders
Competitive Rates
We negotiate to get you the best deal
Expert Guidance
Personalized advice for your situation
Types of Home Loans We Offer
Choose the loan structure that best suits your financial goals and circumstances
Variable Rate Home Loans
Interest rates that fluctuate with the market. Often come with flexible features like offset accounts, extra repayments, and redraw facilities.
Best for: Ideal for borrowers who want flexibility and the potential to benefit from rate decreases.
Fixed Rate Home Loans
Lock in your interest rate for 1-5 years and enjoy repayment certainty.
Best for: Perfect for budgeters who want to know exactly what their repayments will be, protected from rate increases.
Split Rate Home Loans
Get the best of both worlds by splitting your loan between fixed and variable portions.
Best for: Enjoy stability on part of your loan while maintaining flexibility on the rest.
Principal & Interest Loans
Traditional loan structure where you pay down both the interest and the loan amount.
Best for: Builds equity faster and costs less over the life of the loan.
Interest-Only Loans
Pay only the interest for a set period (typically 1-5 years).
Best for: Popular with investors for tax benefits and cash flow management.
Key Features to Consider
When comparing home loans, it’s not just about the interest rate. Here are features that can save you thousands:
Offset Accounts
Link a transaction account to your home loan. The balance offsets your loan amount, reducing interest charged while keeping your money accessible.
Redraw Facility
Made extra repayments? Access those funds if needed while still reducing your interest over time.
Extra Repayments
Pay off your loan faster without penalty. Even small additional payments can save years and thousands in interest.
Portability
Take your existing loan with you when you move properties, avoiding break fees and application costs.
Loan Top-Up
Access equity for renovations, investments, or other purposes without refinancing your entire loan.
How Much Can You Borrow?
Your borrowing capacity depends on several factors
- Key Factors We Consider:
- Income and employment stability
- Existing debts and commitments
- Living expenses and financial habits
- Deposit size and genuine savings
- Credit history
- Property value and type
5-6x
Your annual household income
As a general guide, lenders will typically allow you to borrow 5-6 times your annual household income, but this varies significantly based on your complete financial picture.
Get a personalized assessment of your borrowing capacity with our expert brokers
The Home Loan Application Process
We guide you through every step, making the home loan process simple and stress-free
Pre-Approval
We gather your financial documents and submit applications to get you pre-approved. This shows sellers you’re a serious buyer.
Property Search
With pre-approval in hand, you can shop with confidence knowing your budget and borrowing capacity.
Formal Application
Once you’ve found your property and made an offer, we submit the formal application with property details.
Valuation & Assessment
The lender orders a property valuation and completes their final credit assessment.
Formal Approval
Access equity for renovations, investments, or other purposes without refinancing your entire loan.
Settlement
Funds are disbursed, and you receive the keys to your new home!
Still have questions?
Our expert brokers are here to help you every step of the way.
Frequently Asked Questions
Find answers to common questions about home loans
How much deposit do I need?
Typically 20% to avoid Lenders Mortgage Insurance (LMI), but options exist from as low as 5% deposit for eligible borrowers.
What fees are involved?
Application fees, valuation fees, settlement fees, and potentially LMI. We’ll outline all costs upfront.
Can I get a home loan with bad credit?
Possibly. We work with specialist lenders who consider applications from borrowers with credit issues.
How long does approval take?
Pre-approval can be as quick as 24-48 hours. Formal approval typically takes 1-2 weeks.
Should I fix or choose a variable?
It depends on your situation. We’ll discuss the pros and cons of each based on your circumstances and risk tolerance.
Ready to Get Started?
Our home loan specialists are ready to answer your questions and start your application.