We provide home loans tailored to your specific needs, whether you are a first-time homebuyer, an investor, or a property owner with multiple assets. Refinancing your loan can help you secure a lower interest rate, consolidate your debts into a single loan, shorten your repayment term, and enable you to become debt-free more quickly.
How It Works
Getting approved for a loan has never been easier!
You fill out the form
Fill out the form at the bottom of the page to arrange a consultation with one of our experienced brokers.
We find the best rates
We reach out to our contacts at over 80+ banks across Australia to find the perfect loan for your needs.
You get approved!
Once we find the best loans with the lowest rates for you, you pick out your fav' and get approved for you loan!
Our experienced finance brokers work closely with you to find the right loan that meets your requirements. Our team can advise you on the best ways to structure your loan for tax advantages, whether you are a first-time buyer or expanding your investment portfolio.
Got Questions?
How much can I borrow for a homeloan?
Lenders assess several factors to work out your borrowing capacity, including your income, living expenses, existing debts, credit score, interest rates, deposit size, and loan term. These details help them determine what you can comfortably afford to repay. As a simple guide, most lenders offer around four to six times your annual income. For example, an $80,000 income may support borrowing between $320,000 and $480,000, while a household earning $150,000 may qualify for roughly $600,000 to $900,000.
Can I apply for a homeloan if I'm self-employed?
Yes, you can apply for a home loan if you are self-employed. Lenders will usually want to see proof of consistent income, which often includes two years of personal tax returns, business tax returns if relevant, profit and loss statements, and recent bank statements. They also look for stable or growing income, and in some cases may average your last two years if your earnings have changed. A strong credit score is also helpful, as it reduces the perceived risk. The best approach is to speak with one of our home loan specialists so we can match you with the right lender and structure.
Can I refinance my existing homeloan for a better rate?
Yes, you can refinance your existing loan to secure a better rate, and it often makes sense when current interest rates are lower than what you’re paying now, your credit score has improved, or you want to reduce your monthly repayments by adjusting the loan term. Refinancing can also help if you want to change loan types. It may not be the right time if the upfront costs are too high, if you plan to sell soon, or if your credit or income situation makes approval difficult. The process usually involves checking your current rate, reviewing your credit score, comparing offers from different lenders, and calculating whether the long-term savings outweigh the costs. If the numbers work in your favour, you can apply and lock in the new rate
What is the minimum deposit needed for a homeloan?
Most lenders require a minimum deposit of around 5 percent to apply for a home loan. If your deposit is below 20 percent, Lenders Mortgage Insurance will usually apply, which adds an extra cost to the loan.
What is the First Home Owner Grant and am I eligible?
The First Home Owner Grant is a one-off government payment designed to help first-time buyers purchase their first home. It typically applies to newly built homes, off-the-plan properties, or building a new home, rather than established homes in most states. Eligibility varies by state, but you usually need to be an Australian citizen or permanent resident, be buying your first home in Australia, live in the property for a set period, and meet the state’s price limits. The grant amount is commonly around $10,000, although the exact figure and rules differ depending on where you live and the type of property you are buying.