Australian home loans tailored to your goals
Whether you're buying your first home in Sydney, refinancing an investment property in Melbourne, or building your dream home in Queensland, we compare 80+ lenders to find the right loan for your situation.
Our brokers work for you, not the banks. No cost to you, lenders pay our fee.
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Explore your Australian loan options
Every loan is different, filter by your situation to find the right fit, then speak with a broker to confirm your options.
Refinance Your Home Loan
Lenders price new business more sharply than existing loans, so long-held mortgages quietly drift above market. We compare yours against 80+ lenders and model the real saving after switching costs.
- ✓Rate review across 80+ lenders
- ✓Break and switching costs modelled upfront
- ✓Debt consolidation and equity release options
- ✓We manage the discharge end to end
Construction Loans
Progressive drawdown finance for new builds and major renovations. Funds release in stages as work completes, with interest only on what has been drawn until practical completion.
- ✓Five-stage progress payment schedule
- ✓Interest only during construction
- ✓Fixed-price builder contract structuring
- ✓Converts to principal and interest at handover
First Home Buyer Loan
Designed for Australians purchasing their first property. Access the First Home Guarantee (5% deposit, no LMI) and state-based First Home Owner Grants.
- ✓5% deposit via First Home Guarantee
- ✓Access FHOG up to $15,000
- ✓No Lenders Mortgage Insurance (LMI) with eligible schemes
Variable Rate Home Loan
Australia's most popular loan type. Your rate moves with the RBA cash rate. Includes offset account and redraw facility, giving you full flexibility.
- ✓Offset account reduces interest daily
- ✓Unlimited extra repayments
- ✓Redraw facility available
- ✓Rates from 6.04% p.a. (comparison rate)
Low Deposit Home Loans
Buy sooner with a smaller deposit through lender policy, family support or government-backed pathways. Eligible first home buyers can use the First Home Guarantee (5%), while eligible single parents may qualify from 2%.
- ✓First Home Guarantee, 5% deposit, no LMI
- ✓Family Home Guarantee, from 2% (single parents)
- ✓Income caps & place limits removed Oct 2025
Home Equity Loan & Line of Credit
Borrow against the equity in your existing property for renovations, investment deposits, or debt consolidation. Available as a lump sum or revolving credit line.
- ✓Access equity without selling
- ✓Use for renovations or investment
- ✓Competitive rates based on LVR
Guarantor Home Loans
Use family support to buy sooner, reduce your LVR and potentially avoid LMI. An eligible family member provides equity or cash security to support part of your loan, without contributing cash directly.
- ✓Avoid LMI, save $10,000–$30,000+
- ✓Borrow up to 105% (incl. stamp duty)
- ✓Guarantee released once equity is built
Bridging Finance
Short-term finance that lets you purchase your next home before your current property settles. Repay the bridge loan once your existing home sells.
- ✓Buy before your current home sells
- ✓Terms typically 6–12 months
- ✓Avoid the stress of simultaneous settlement
Fixed Rate Home Loan
Lock in your interest rate for 1 to 5 years for budgeting certainty. Ideal when rates are rising or you want predictable repayments over the fixed term.
- ✓Fix for 1, 2, 3, or 5 years
- ✓Protection from rate rises
- ✓Split loan options available
- ✓Rates from 5.89% p.a.
Waived LMI Home Loans
Buy with a smaller deposit and avoid Lenders Mortgage Insurance if you qualify under selected professional or lender-specific policies. Eligible professions include medical, legal, accounting and more.
- ✓Save $15,000–$40,000+ in LMI
- ✓Borrow up to 90–95% LVR without LMI
- ✓Matched to the lender that fits your profession
Low Doc / Alt Doc Home Loans
Flexible lending options for self-employed borrowers who do not fit the standard payslip-and-tax-return model. Income verified using BAS, accountant declarations and business bank statements.
- ✓BAS, bank statements & accountant letters accepted
- ✓Self-employed, contractors & business owners
- ✓Competitive rates, no payslip required
Interest Only Home Loan
Pay only the interest on your loan for a set period (typically 1–5 years), maximising your cash flow. Popular with property investors managing tax strategy.
- ✓Lower initial repayments
- ✓Maximise cash flow for investors
- ✓Potential tax deductibility on investment properties
- ✓IO periods up to 5 years (APRA regulated)
Investment & Property Portfolio Finance
Structured investment lending for first-time investors and portfolio builders. Variable, fixed and interest-only options, with equity access strategies for your next purchase.
- ✓Negative gearing & tax-efficient structuring
- ✓IO periods up to 5 years (APRA regulated)
- ✓Use existing home equity as deposit
- ✓Portfolio lending across multiple lenders
SMSF Property Loans
Purchase residential or commercial property inside your Self-Managed Super Fund using an LRBA-compliant structure. Expert guidance on ATO compliance, bare trusts and specialist lenders.
- ✓LRBA-compliant bare trust structure
- ✓Residential & commercial property eligible
- ✓Tax-effective growth, rental income taxed at 15%
- ✓Specialist SMSF lender panel
Islamic Home Finance
Interest-free home finance using Ijara, Murabaha and Diminishing Musharakah structures. Fully compliant with Australian law and independently reviewed by a Shariah Supervisory Board.
- ✓No interest (riba), profit and rent-based returns
- ✓Ijara, Murabaha & Diminishing Musharakah structures
- ✓Eligible for FHOG and stamp duty concessions
- ✓APRA-regulated providers
Commercial & Business Finance
Commercial property loans, equipment finance, working capital and development funding. Access specialist and major bank commercial lenders through one broker relationship.
- ✓Commercial property up to 70% LVR
- ✓Equipment & asset finance (chattel mortgage, lease)
- ✓Business working capital & overdraft facilities
- ✓Development and construction funding
Rates shown are indicative only and subject to lender credit assessment. Comparison rates based on $150,000 loan over 25 years. Warning: comparison rate is true only for examples given. Different amounts and terms will result in different comparison rates.
Find out how much you can borrow
Answer a few questions about your income, expenses and deposit, and we'll give you a personalised borrowing estimate across 80+ Australian lenders. No credit check. No obligation.
Did you know?
Key facts every Australian borrower should know before choosing a home loan.
First Home Guarantee saves thousands
Eligible first home buyers can purchase with just a 5% deposit under the Australian Government's First Home Guarantee, with no Lenders Mortgage Insurance (LMI) required. That's a potential saving of $10,000–$30,000+ in LMI premiums.
Offset accounts reduce your interest daily
An offset account linked to your variable rate home loan reduces the interest calculated on your balance every single day. $50,000 in offset on a $500,000 loan means you only pay interest on $450,000, saving years off your loan term.
Pre-approval strengthens your offer
In competitive Australian property markets like Sydney, Melbourne and Brisbane, a conditional pre-approval from a lender shows vendors and agents you're a serious, finance-ready buyer, giving you a negotiating edge.
How we guide you through the Australian home loan process
From first conversation to settlement day, and every rate review after, we're in your corner.
Free strategy session
We review your financial situation, goals and borrowing power. No credit check at this stage, just a clear picture of what's possible and which lenders suit you.
Loan comparison & application
We compare 80+ lenders, including the Big 4 banks, credit unions and specialist lenders, and submit your application to the lender that best fits your needs.
Approval & pre-settlement
We manage communication with the lender on your behalf, coordinate with your conveyancer or solicitor, and keep you updated through to formal approval.
Settlement & beyond
Your loan settles and you get the keys. We review your loan annually to ensure you're always on a competitive rate, for the life of your loan.
Not sure which loan is right for you? Ask us.
Every borrower's situation is different. Our accredited mortgage brokers give you honest, personalised advice, completely free of charge. We're paid by lenders, not by you.
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