Home loans, properly shopped
First home, upgrader, investor, refinance, construction, and self-employed. We translate the panel into a shortlist that fits the income profile, the deposit, and the property.
Quick repayment estimate
Move the sliders to see how rate, term, and amount move the monthly figure. Hypothetical: this is not a quote.
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Home loans for every situation
First home, upgrader, investor, refinance, construction, SMSF. Each situation has its own lender shortlist on the panel; the broker picks the lender list that fits the income profile, the deposit, and the property.
First Home Buyer
Your first home is a big deal. We'll help you navigate grants, schemes, and find the best rate for your first purchase.
- First Home Owner Grant
- Low deposit options
- Stamp duty savings
Owner Occupied
Buying your next home or upgrading? Your broker compares 50+ lenders to find your ideal home loan with the best rate.
- Variable & fixed rates
- Offset accounts
- Redraw facility
Investment Property
Build your property portfolio with competitive investor rates. Interest-only and principal & interest options.
- Interest-only available
- Tax-deductible interest
- Portfolio lending
Refinancing
Save on interest by switching to a better rate. Your broker handles the entire process for you at no cost.
- Rate comparison
- Cashback offers
- Debt consolidation
Construction Loans
Building your dream home? Progressive drawdown loans are available for new builds and major renovations.
- Progressive drawdowns
- Interest-only during build
- Land & build packages
SMSF Lending
Purchase property through your self-managed super fund. Specialist SMSF lending options available.
- SMSF compliant
- Specialist lenders
- Residential & commercial
Your First Home Starts Here
Buying your first home is exciting but can be overwhelming. We'll guide you through every step, from understanding grants and schemes to finding the best rate and settling on your dream home.
- First Home Owner Grant guidance
- Low deposit options from 2%
- First Home Guarantee (no LMI with 5%)
- Stamp duty concession advice
- Step-by-step application support
Find a Broker Today
- 50+ Australian home-loan lenders on the panel
- Owner-occupier, investment, construction, SMSF
- Pre-approval typically 1 to 3 business days
- Pre-approvals are credit-bureau enquiries; speak to your broker about timing
- No fee to the borrower; lender pays commission on settlement
Home loans, /properly/ shopped
The broker takes the mortgage market apart for you, runs the application against the right lender first time, and stays on for refinance reviews. Your job is to read up; theirs is to drive the file.
Fast Pre-Approval
Get conditionally approved so you can bid and buy with confidence.
50+ Lenders
Access to every major bank plus specialist non-bank lenders.
Best Rates
Your broker negotiates on your behalf to get the most competitive rate.
Expert Guidance
Dedicated home loan specialists guide you from application to settlement.
What readers say about the home loan guides
A small sample of feedback from readers who have worked through the home loan content. Edited for length.
First home buyer and completely overwhelmed. The guides made everything simple, got me the First Home Owner Grant, and found a rate that was 0.5% less than my bank.
Refinanced my investment property and saved $350/month. The process was completely handled for me. Wish I'd done it sooner.
Built our dream home with a construction loan arranged by the broker partner. Progressive drawdowns were seamless and the rate was very competitive.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Home loans, suburb by suburb
Lender policy is national but the property data isn't. LVR caps, valuation tolerances, and accepted property types vary by postcode. We cover the eight Australian capitals and 160+ suburbs with editorial reference for each market.
Home Loan FAQs
How much can I borrow for a home loan?
What deposit do I need?
Should I choose fixed or variable?
What government grants are available for first home buyers?
How long does the home loan process take?
Is the broker service really free?
Ready to Find Your Perfect Home Loan?
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