Home loans with a broker in your corner
First home, next home, investment or refinance: your broker compares lenders and handles paperwork through to settlement.
- Free to compare
- A specialist partner broker, start to finish
- No credit score impact
Typical ranges only. Actual limits depend on the lender and your circumstances.
Example rate only: not a comparison rate, quote or offer of credit. Your rate depends on your credit profile, the lender and the asset. Excludes fees and charges.
Mortgage brokers are legally required to act in your best interests when helping with a home loan, and to put your interests first if there’s a conflict.
How home loans work with us
Small differences in rate, fees and features add up over a home loan's decades. A broker compares multiple lenders and explains the trade-offs in plain English.
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We also help with borrowing power, government schemes you might qualify for, and lender requirements, so settlement holds no surprises.
- First home buyers
- Upgrading or downsizing
- Investment property
- Construction loans
- Refinancing
- Self-employed borrowers
Borrowing power
Know what you can realistically borrow before you look at properties.
First home buyer help
Your broker explains schemes and grants you may be eligible for.
Self-employed friendly
Lenders assess business income differently. We know which suit you.
Settlement support
We liaise with lender, conveyancer and agent to help keep settlement on track.
Fixed, variable or split: choosing your rate type
Variable rates can move but usually allow extra repayments, redraw and offset. Fixed rates lock repayments but may cap extras and carry break costs; a split loan offers both. Your broker must act in your best interests.
Read the full explanation
A variable rate moves with the lender's pricing, which means your repayments can go up or down over the life of the loan. In return, variable loans usually allow unlimited extra repayments, redraw and a linked offset account, so every spare dollar can work to reduce the interest you pay. If you expect bonuses, irregular income or plan to sell within a few years, that flexibility can matter more than the headline rate.
A fixed rate locks your repayments for a set period, commonly one to five years, which makes budgeting easier while costs are tight. The trade-off is that extra repayments are often capped and leaving early can trigger break costs. A split loan fixes part of the balance and leaves the rest variable, giving you some certainty and some flexibility. Your broker can model each option against your budget and plans, and must act in your best interests when recommending a loan.
- First home buyers needing help with deposits and schemes
- Upgraders or downsizers needing bridging or timing advice
- Self-employed borrowers without standard payslips
- Builders needing a construction loan with progress payments
Pros and watch-outs
Pros
- Build equity instead of paying rent
- Offset and redraw can reduce interest over time
- Long terms keep repayments manageable
- Your broker compares a range of lenders for you
Watch-outs
- !A long term means interest for many years
- !Variable repayments can rise when lenders change rates
- !Upfront costs like stamp duty and LMI can be significant
Costs and fees to compare
The interest rate is only part of the cost. Ask your broker to show these side by side.
Lenders mortgage insurance (LMI)
Usually applies when borrowing over 80% of value. It protects the lender; often addable to the loan.
Application and settlement fees
Some lenders charge setup fees, others waive them. Get them in writing to compare.
Valuation fees
Some lenders include the valuation; others pass the cost to you.
Ongoing or package fees
Package loans with offset and card bundles often carry fees. Check you'll use the extras.
Government charges
State or territory sets stamp duty and registration fees. First home buyer concessions may apply.
Tips to strengthen your application
- 1Check your credit report before applying.
- 2Reduce or close unused card limits; they cut borrowing power.
- 3Keep three months of tidy statements, no unexplained transfers or gambling.
- 4Budget for stamp duty, conveyancing, inspections and moving.
What you’ll need
What you’ll need
- Driver's licence or passport
- Two recent payslips, or tax returns if self-employed
- Last 90 days of bank statements
- Current debts and regular expenses
- Details of savings and deposit
- Contract of sale, once you have one
What lenders look for
- 18+, Australian citizen or permanent resident (some lenders consider visa holders)
- Regular, provable income
- A credit history your broker can explain, blemishes included
- Repayments that comfortably fit your budget
First chat to funds in four steps
How it works in detail →- 1Tell us what you’re after
- 2Meet your broker
- 3Compare and choose
- 4We handle the rest
Home loans: common questions
How much deposit do I need?
Many lenders want 20% to avoid lenders mortgage insurance, but some loans are available with a 5% deposit, and government schemes may help eligible first home buyers.
What does a mortgage broker cost?
In most cases nothing directly. Brokers are usually paid a commission by the lender. Your broker must tell you how they are paid before you proceed.
Fixed or variable?
Fixed rates give certainty, while variable rates give flexibility such as offset accounts and extra repayments. A split loan gives you some of both.
Can I get a home loan if I am self-employed?
Yes. Lenders usually want two years of tax returns, though some accept less or alternative documents. Your broker will match you with the right lender.
What is an offset account and is it worth it?
An offset account is a transaction account linked to your home loan, and the balance reduces the amount of interest charged. It can be valuable if you keep healthy savings, but some offset loans carry higher fees or rates, so compare the overall cost with your broker.
How do lenders work out how much I can borrow?
Lenders look at your income, living expenses, existing debts and credit limits, then test whether you could still afford repayments if rates rose by a buffer. Each lender uses its own calculator, which is why borrowing power can differ noticeably between lenders.
Can my parents help with my deposit?
Possibly. Some lenders accept gifted funds with a signed gift letter, and others offer guarantor arrangements where a family member uses equity in their own home as extra security. Guarantors take on real risk, so everyone involved should get independent advice.
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Let’s find the right home loan
Two minutes to start, and comparing options won’t affect your credit score.