A loan structured for the next five years, not the first repayment
Owner-occupier finance for buying, upgrading or moving. We compare the full panel, negotiate the rate, and set the structure up so it still suits you when your circumstances change.
Four situations this covers
If you are buying somewhere to live in, this is the page. Investment and construction have their own policy quirks and their own pages.
Buying your next home
You have owned before, you know roughly what you can afford, and the question is which lender prices your file best. Usually the most straightforward file we write — and the one where a sharp rate matters most, because the loan is large and long.
Upgrading and selling
Buying and selling rarely line up. We will model whether to sell first, buy first with a bridging facility, or negotiate a long settlement — and what each option actually costs you.
Moving lenders as you move house
Porting an existing loan sounds simple and often is not. Whether to port, refinance or start fresh depends on break costs, your current rate and how much you are borrowing on top.
Buying with a partner or family
Joint applications, tenants in common, a parent going on title or acting as guarantor. Ownership structure has tax and exit consequences that outlast the loan.
What a home loan costs to set up
Indicative figures on a $750,000 purchase with a 20% deposit. Your state, lender and buyer status all move these.
Estimates only, current as at March 2026. Stamp duty shown is the New South Wales rate for a non-first-home buyer. Lending criteria, fees and charges apply.
Same borrower, different answers
Two lenders looking at identical financials will not offer you the same amount. Knowing where the differences sit is most of the job.
Real lender comparison, in writing
Your file is run against the pricing and credit policy of every lender on our panel — not the three a bank branch can offer. You receive a written shortlist with the rate, the fees and the reason each lender made the list.
A lending strategy built around your position
Offset versus redraw, fixed versus variable, split structures, ownership through a trust — the structure is chosen for the next five years, not just the first repayment.
Guidance from people who read credit policy
Every broker here holds a Diploma of Finance and Mortgage Broking Management and has placed files with the lenders they recommend. We know which policies bend and which do not.
We stay on the file until it settles
Valuations, credit queries, conveyancer timelines and settlement bookings are ours to chase. You hear from us before you have to ask.
- —Living expense benchmarks vary by tens of thousands a year between lenders
- —Credit card limits count against you in full, even at a zero balance
- —Casual or probationary employment is read very differently across the panel
- —HECS-HELP debt is treated as an ongoing commitment by some lenders and not others
- —We model your file against each lender benchmark before submitting anywhere
- —Unused card limits reduced or closed ahead of the application, not during it
- —Lenders selected for employment-type policy, not just headline rate
- —A written shortlist showing what each lender will lend and at what price
Understand → Compare → Apply → Settle
Understand your goals
Twenty minutes, no forms. What you are buying, what you earn, what you owe and what you have saved.
Credit impact — noneExplore your options
The file is built properly, then run against all forty lenders. You receive a written shortlist with rates and fees.
Credit impact — soft enquiry onlyApply
A pre-qualified application to a lender whose policy you already meet. We order the valuation and manage the assessment.
Credit impact — enquiry recordedSettle
Unconditional approval, loan documents, settlement booked with your conveyancer. The rate review is diarised.
Credit impact — account reportedSee what the repayments look like before you talk to anyone
Borrowing power, repayments, stamp duty by state and LVR — all four run live, with the assessment buffer applied properly.
Twenty per cent avoids lenders mortgage insurance, but waiting to reach it can cost more than the LMI itself in a rising market. Five per cent is workable through the First Home Guarantee, and some lenders waive LMI at 90% for certain professions. The right question is the total cost of buying now versus buying later.
It depends entirely on whether you might sell, refinance or make large extra repayments during the fixed period. Break costs are calculated on the lender funding loss and can be substantial. We usually recommend splitting so part of the balance stays flexible.
Yes, and you should. Pre-approval usually holds for three months and tells you and the agent that you are serious. Be aware it is conditional — the property still has to value up and your circumstances must not change.
The comparison rate folds most fees into a single figure so products can be compared fairly. It is calculated on a $150,000 loan over 25 years, which is why it can be misleading on a $900,000 loan — the fixed fees are spread differently. We model your actual numbers instead.
Median across our last 214 residential settlements was six business days to conditional approval, then a further one to two weeks to unconditional once the valuation is back. Settlement is set by your contract, typically six weeks from exchange.
Find out what you can borrow, properly
Twenty minutes on the phone, no documents, no credit enquiry. You will come away knowing your number and what it costs.