Find the Perfect Home Loan for Your Dream Home
Buying your first home, upgrading, or investing? Our expert finance brokers compare lenders, structure your application, and guide you end-to-end so you secure a sharp rate and the right features. We tailor solutions for residential and commercial purchases, refinancing, equity release, SMSF or trust loans, and more.
Find the Perfect Home Loan for Your Dream Home
Buying your first home, upgrading, or investing? Our expert finance brokers compare lenders, structure your application, and guide you end-to-end so you secure a sharp rate and the right features. We tailor solutions for residential and commercial purchases, refinancing, equity release, SMSF or trust loans, and more.
Why Use a Broker?
Expert advice
Collectively seasoned brokers who’ve seen it all. We compare options, explain trade-offs, and recommend a solution that fits your goals today and long term.
Quick turnaround
Once we’ve identified the right lender, we handle the paperwork and keep requests minimal delivering a smooth process and timely outcome.
Broad lender access
We work with over 30 lenders, including majors and specialists, to balance rate, policy, and turnaround for your scenario.
No cost to you
Our service is free for you. We’re paid by the lender, so you get expert guidance without extra fees.
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How We Find You the Perfect Loan
Step 1: Discovery & Fact Find
We learn your goals, budget, and timeline, then confirm borrowing capacity and any eligibility for grants or schemes.
Step 2: Shortlist & Strategy
We research and present the best-fit options rates, fees, features, and policy so you can choose with confidence.
Step 3: Application & Approval
We prepare documents, lodge your application, manage conditions, and keep you updated until formal approval.
Step 4: Settlement & Beyond
We coordinate with your conveyancer/agent and the lender through settlement, then check in post-settlement to keep your loan working for you.
Home Loan Products
Enter the market with confidence. We align your deposit, grants, and lender policy to secure a competitive rate and a loan that grows with you.
Bundle premium features with discounted rates and fee waivers ideal for eligible professionals seeking flexibility and long-term value.
Use a family member’s property as additional security to reduce LMI or boost borrowing power structured carefully to protect everyone involved.
Finance tailored for investors, with options to optimise cashflow, tax position, and future borrowing capacity.
Secure finance early for properties under construction. We manage valuations, timelines, and policy nuances to minimise surprises.
Structured for self-employed or variable-income clients. We help evidence income, align policy, and keep documentation practical.
Staged funding for building or major renovations. We set up drawdowns, liaise with your builder, and keep cashflow predictable.
Special offers for medical professionals, often with reduced LMI and sharper pricing without compromising on features you need.
Freequently Asked Question
Most lenders prefer 20% to avoid Lenders Mortgage Insurance (LMI). Many will accept 5-15% with LMI, and you may go lower with a family guarantee or eligible government schemes (subject to caps and criteria). We’ll model deposit sizes, LMI costs, and buffers (moving costs, emergency fund) so you don’t over-stretch on day one-and map a path to remove LMI later.
Typically photo ID, income evidence (payslips for PAYG; BAS/financials for self-employed), bank statements, liabilities (cards, HECS/HELP, personal loans), savings history, and purchase contract when applicable. If using grants/guarantees, extra forms may apply. For trusts/companies: trust deed, company extract, director IDs. We’ll send a plain-English checklist and secure upload link to keep things fast and tidy.
Fixed: repayment certainty; often limits extra repayments/offset and may incur break costs if you exit early.
Variable: flexible features (offset, unlimited extras), easier to switch/reprice; repayments can rise or fall with the market.
Split: blend certainty and flexibility
We’ll model repayments, total cost, and flexibility under multiple rate scenarios so you choose with confidence.
With complete documents, pre-approval can land in 24-72 hours. Formal approval depends on valuation access and lender queues-commonly 5–10 business days. We run tasks in parallel (ID checks, valuation, credit) and keep you updated from conditional to formal approval, then align settlement with your conveyancer and agent so everything clicks into place on time.
Often, yes-especially if your current rate is above market or you need features like offset. We calculate true savings after discharge/application fees and any fixed-rate break costs, compare a reprice with your existing lender versus switching, and check cashback offers. If switching creates a net benefit over 12-24 months, we’ll manage the process end-to-end.Yes. We assess current rate, fees, and features, model savings, and check for cashback offers then handle the switch end-to-end.
For standard home loans, our service is free-we’re paid by the lender. If a rare scenario requires a brokerage fee (e.g., complex structures), we’ll disclose it upfront before any work proceeds. Either way, you get transparent advice, a clear comparison, and no surprises on cost.
Ready to Get Started?
Let’s map the fastest path to approval. Book a quick chat and we’ll compare lenders, confirm borrowing capacity, and outline your best options clear, practical, and focused on your goals.
Lenders in our Panel
We have over 30 lenders in our lending panel and some of our majors are listed below:
