Best for
Where this fits.
- First-home buyers working out borrowing capacity and deposit requirements
- Upgraders managing the timing of buying and selling
- Self-employed borrowers with non-standard income structures
Home Loans
Find the right home loan for your situation
We compare over 30 lenders to match your income, deposit, and goals with a loan that works.
- Compare 30+ lenders, not just the big banks
- Specialist support for self-employed borrowers
- Transparent advice with no hidden fees
How it moves
What happens next.
- 1 Assess your position
We review your income, deposit, debts, and property goals to understand where you stand.
- 2 Compare lenders
We check 30+ lenders for rate, fees, features, and policy fit with your situation.
- 3 Get pre-approval
We submit your application and negotiate with lenders on your behalf.
FAQ
Quick answers.
How much deposit do I need?
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.
Should I get a fixed or variable rate?
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.
I'm self-employed - can I still get a home loan?
Absolutely. We work with lenders who assess self-employed income using tax returns, BAS statements, and accountant declarations rather than standard payslips.
How long does the process take?
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.
Start enquiry
Tell us the scenario. We will map the next step.
One enquiry. Human direction. No duplicated paperwork before the fit is clear.
Start Enquiry