Residential Home Loan
The right home loan isn’t just about securing a great rate—it’s about building a strong financial future. Whether you’re buying your first home, investing in property, or restructuring your current loan, we deliver tailored solutions designed for competitive rates, fast approvals, and smart strategies that fit your goals.
1. New Property Purchase
Buying a home—whether for yourself or as an investment—is a big decision. We partner with leading banks and lenders to help you access competitive rates and flexible options tailored to your needs.
- Standard lending ratio: up to 80% of property value
- Maximum lending ratio: up to 98% (subject to stricter assessment + LMI)
- Lender’s Mortgage Insurance (LMI) is a one-time insurance fee required when borrowing above 80%
Some lenders offer LMI waivers for selected professionals such as (T&Cs applied):
- Accountants & CPAs
- Financial Analysts (CFA)
- Lawyers
- Doctors & medical professionals
First Home Buyers
Buying your first home is a major milestone, and we’re here to make it easier and more affordable. Many lenders offer exclusive benefits for first-home buyers, including:
- Higher borrowing limits: Borrow up to 95% without LMI
- Government grants & stamp duty concessions: Access First Home Owner Grant and other incentives
- Discounted interest rates: Special packages designed for first-time buyers
- Flexible repayment options: Tailored to suit your budget and lifestyle
Own Your First Home Sooner
Dreaming of your first home? With the Australian Government’s First Home Guarantee, you can buy sooner with just 5% deposit—and pay no Lenders Mortgage Insurance (LMI). No income caps, higher property price limits, and full government backing make this the perfect opportunity to step into the market. Combine this with state grants and stamp duty concessions for even greater savings. (Subject to lenders’ approval, T&Cs applied)
Key Benefits:
- Just 5% deposit
- No LMI costs
- No income caps
- Higher property price limits
- Backed by the Australian Government
2. Refinancing
Refinancing is the smart way to reduce repayments, access better rates, and optimize your loan structure. With many lenders offering cashback promotions, now is the perfect time to review your options.
Why Refinance?
• Lower interest rates & reduce repayments
• Improve cash flow
• Access better loan features or incentives
3. Equity Release / Cash-Out
Unlock the value of your property and turn equity into opportunity. Whether you’re planning your next purchase, investing, or funding renovations, we’ll help you access the cash you need.
Common uses
- Deposit for next purchase
- Investment capital
- Renovation/business funding