Home loans, compared across every lender tier.
A home loan is the biggest line of credit most households ever take on, and the difference between a good outcome and a mediocre one is rarely the headline rate — it's whether the lender's policy actually suits how you earn, what you're buying, and how you want to repay. That's why comparing across three tiers matters. The major banks price aggressively but can be rigid on income types and property mix. Second-tier banks and credit unions often flex more on both. Specialist non-bank lenders will look at situations the majors decline, at a higher price. We work out which of those is worth applying to before you hand over your documents, so you're not accumulating declined applications on your credit file. Tell us the purchase price, your deposit, how you earn your income and where you want to live, and we come back with a shortlist of lenders, indicative rates, and exactly what each one will ask for. There's no cost to compare and no obligation to proceed.
When it makes sense
- Buying your first home and wanting to understand stamp duty, incentives and how much deposit you really need
- Buying a home to live in with a deposit of any size, including below 20% with lenders mortgage insurance
- Buying an investment property and structuring the loan for the way you intend to hold it
- Building a new home, where progress payments and lender inspections change how the loan works
- Buying at auction or under a short settlement deadline where speed matters more than the last 0.05%
- Refinancing an existing mortgage to a lender whose policy now suits you better
- Accessing home equity for a renovation, a business purchase or to consolidate debt
- Self-employed or commission-based borrowers whose income doesn't fit a standard pay-slip assessment
Indicative terms
| Loan size | Indicatively $50,000 to $3 million+ |
| Deposit | From 5% in most states, with LMI above that threshold |
| Loan to value ratio | Up to 95% for owner-occupied, commonly 80% for investment |
| Indicative rates | Roughly 5.5%–7% p.a. depending on structure and borrower |
| Term | Usually 25–30 years, shorter by agreement |
| Repayment type | Principal & interest, interest-only for a set period, or a mix |
| Features | Offset, redraw, extra repayments, splits — varies by lender |
| Typical timeline | Approval in a few days, settlement typically 30 days |
How it works
- Tell us the situation — Purchase price, deposit, income type, occupation and where you're buying. Two minutes of detail is enough to shortlist properly.
- We shortlist the lenders — We compare across major banks, second-tier banks and specialist lenders, and flag where a policy might bite — strata limits, income types, property location.
- You choose an option — We explain the trade-offs in plain English: rate versus features, fixed versus variable, and what each structure costs over the life of the loan.
- We run the application — Documents, application, valuation and conditions are managed for you, with honest updates if something needs chasing.
- Settlement and beyond — We stay involved through discharge of any existing loan and settlement, then check in before your fixed rate ends or your loan reviews.