Home Loans
Your home, without the overwhelm.
Buying your own home is a dream, yet the process can be overwhelming. Not with us. We offer personalised service and help you find a competitive home loan that suits your goals.
- Multiple lenders compared for you
- Split, fixed, variable and more
- Support right through to settlement
Getting it done right, the first time.
We know that buying a home is one of the biggest decisions you'll make, so we make the finance side simple.
Our experience and understanding of market trends help us match you with a loan that suits your situation. We value your time, so we put major emphasis on getting the job done right in the first place.
If you're looking for an efficient home loan broker with extensive knowledge and experience, you're in the right place.
Understand your options before you choose.
Every loan structure has trade-offs. Here's a plain-English look at the most common types.
Split home loan
Divides your loan into a variable portion and a fixed portion, combining the flexibility of variable with the stability of fixed.
Pros
- The fixed portion reduces how much your repayments can vary
- The variable portion drops if interest rates fall
- You can repay the variable portion faster
Cons
- Rising rates increase repayments on the variable portion
- Limited extra repayments on the fixed portion
- Break costs may apply if you exit the fixed portion early
Variable rate loan
A loan with a variable interest rate that can change at the lender's discretion or with movements in the RBA cash rate.
Pros
- Repayments decrease if interest rates fall
- Extra repayments are typically allowed
Cons
- Repayments rise if interest rates increase
- Rate changes can affect your budget
- A redraw facility requires discipline
- Basic variable loans can lack flexibility
Fixed rate loan
Your interest rate is locked for a set period, usually between one and five years, protecting you from rate changes.
Pros
- Unaffected by interest rate increases
- Predictable repayments make budgeting easier
Cons
- No benefit if interest rates fall
- Limited opportunity to make extra repayments
- Significant break costs if you exit early
Interest only
You repay only the interest for a set period of up to five years, while the principal stays the same.
Pros
- Lower regular repayments during the interest-only period
- Potential flexibility in how you repay the principal
Cons
- Higher overall cost of the loan
- You owe the same amount at the end of the period
- Repayments can jump when the period ends
Low documentation loan
Designed for business owners and self-employed borrowers who may not have the standard income documentation.
Pros
- Lower income documentation requirements
Cons
- Typically higher interest rates
- A larger deposit may be required
Introductory loan
Offers a discounted "honeymoon" rate for the first 6 to 12 months, after which the standard variable rate applies.
Pros
- Lower repayments during the honeymoon period
Cons
- Possible restrictions such as no redraw
- The rate after the honeymoon may be less competitive
- Early termination fees may apply
A loan that fits, without the legwork.
We support our clients through and through, from the first conversation to settlement and beyond.
Understand your goals
We'll take the time to understand your unique situation and what you want to achieve.
Provide you with options
We'll do thorough research, present a few suitable loan options and help guide your decision.
Get it sorted for you
Once you've chosen your preferred loan, we do the legwork to get it lodged, approved and settled.
Help you save
We'll stay in touch to make sure you still have the right loan as your situation changes, and try to save you money along the way.
Run the numbers before you apply.
Use our free calculators to estimate repayments, borrowing power and savings goals, then talk to us about real options.
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We do what's best for our clients.
Whether you need a home loan, refinance, personal, car or business loan, or want to combine your loans into one, we'll help you get there.