Home Loans
Compare loans for buying, moving or refinancing your home.
Who it is for
Process
We review your income, deposit, debts, and property goals to understand where you stand.
We check 30+ lenders for rate, fees, features, and policy fit with your situation.
We submit your application and negotiate with lenders on your behalf.
We coordinate with the lender, your solicitor, and the seller until keys are in your hand.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Variable rate | Borrowers who want flexibility and the ability to make extra repayments | Repayments can increase if rates rise |
| Fixed rate | Borrowers who want certainty over repayments for 1-5 years | Break costs apply if you need to exit or refinance early |
| Split loan | Borrowers who want some certainty and some flexibility | More complex to manage with two rate structures |
Most lenders want 20% to avoid Lenders Mortgage Insurance, but many accept deposits as low as 5%. Some first-home buyer schemes can help bridge the gap.
It depends on your priorities. Fixed gives you certainty for a set period. Variable gives you flexibility to make extra repayments and switch lenders more easily. We can also split the loan so you get both.
Absolutely. We work with lenders who assess self-employed income using tax returns, BAS statements, and accountant declarations rather than standard payslips.
Do not apply again blindly. We review the decline reason, income evidence, debts, credit conduct, deposit source, bank statements, and lender policy fit before deciding whether another lender is realistic.
From initial enquiry to settlement, typically 4-8 weeks depending on your situation and the property. Pre-approval itself can happen within a few days.
