Home Loans

There are thousands of different mortgages available in Australia, and it is often hard to know which one is best for your needs. We will help you make sense of the world of home loans.



Purchasing your first home is both a daunting and exciting experience and it makes sense that you have a thousand questions to ask. From knowing how much you need to save, to signing on the dotted line, we are here to walk you through every step of the process.

When purchasing your first property, don’t let yourself be overwhelmed by the experience. The process can be seamless and enjoyable when you tackle it in individual stages. From making the decision to purchase, to finding the right loan, saving for your deposit and finding and securing the perfect home. Step-by-step you can achieve your financial goals.



If you’re looking for a stable and secure investment, property is a solid option. Far less volatile than other investment strategies, an investment property has the potential to deliver consistent rental returns for years to come. While you may start out with a single property, careful consideration and management of your investments could see you grow this to a full and profitable portfolio with the help of a broker.

When purchasing an investment property, you need to think tactically about where you will buy and the type of person who generally resides in this area. Doing your research and having a clear understanding of the market and the areas where property is most likely to increase in value is essential. When considering your budget and return on investment, it’s not just about your rental returns, you need to factor in ongoing costs also.



The decision to refinance is made when consumers realize their current loan is no longer best suited to their financial situation. Wanting a better interest rate, consolidating all debts into one and equity access are just some of the reasons why people choose to do so. Before going ahead with the decision, make sure you’ve done your homework and sought professional advice to see if it’s the right choice for you.

Once you’ve made the decision to refinance, it is imperative to thoroughly consider all the options available to you, to ensure that it is a worthwhile process to undergo. With the competitiveness of the market, there are constantly offers available that cater to all purposes of refinancing.



If you’re swamped with credit card debt and personal loans, it can sometimes help to talk to a professional about debt consolidation. However, you need to be wary. You might end up paying more in the long term and/or reduce the equity in your home.

Debt consolidation is where you transfer your credit card debt and any personal loans to your mortgage. The advantage of doing this is that the interest rate on your home loan is likely to be lower than you’re paying on your smaller debts. You might also benefit from a regular manageable repayment. However, there are some things you need to be aware of.



This, as the name suggests, is a type of loan you might come across if you’re starting from scratch with your home.

When building a new home, you will not need the entire amount of the loan drawdown all at once. If you did this, you would be making interest repayments on the entire amount right from the start and not just on the amount needed at the time. Construction of a dwelling is generally divided into five stages.


For Smaller finance needs (up to $25,000) a personal loan can be appealing as a solution.The downside however is that a personal loan will generally be offered at a higher interest rate and with less flexibility than a home loan product.A personal loan will always have a short term of typically 3 to 5 years and therefore a significant impact on your monthly cash-flow and budget for the duration of the loan term.


For customers who wish to undertake multiple home improvements over an extended period, we will often recommend approval for a larger sum to accommodate all your needs.This enables you to avoid lender fees and simply draw the funds in the future without needing to be re-approved by the lender for each new project. Interest is charged only on your actual debt, not the approved credit limit.

Sometimes, the appropriate solution will be simply borrow extra using a Home Loan Product and sit the extra cash in an "offset account" or "redraw facility" until required for next stage.Advice is essential to get the best structure for your specific situation.