Home Loans

Borrowing capacity depends on income, expenses, existing commitments, credit history, dependants, deposit and lender policy. We can review your position and discuss a realistic range without guaranteeing an outcome.

The deposit required varies by lender, property and application. A larger contribution can reduce the loan-to-value ratio, while some eligible buyers may have access to lower-deposit options or support schemes.

Pre-approval is a conditional lender indication based on the information reviewed at that time. It is not final approval and remains subject to conditions such as satisfactory property valuation, verification and no material changes.

Lenders mortgage insurance may apply when borrowing a higher proportion of a property's value. It generally protects the lender rather than the borrower, and the cost depends on the loan and lender.

Fixed rates can provide repayment certainty for an agreed period, while variable products may offer more flexibility and can move with market changes. Some borrowers split their loan between both. The suitable choice depends on your priorities.

An eligible offset account is linked to a home loan, with the account balance generally reducing the portion of the loan charged interest. Fees, eligibility and the extent of the offset vary by product.

Potentially. A refinance review compares your current rate, fees, features, remaining term and switching costs against suitable alternatives. A lower repayment alone does not always mean a lower total cost.

Self-employed borrowers may be eligible. The documents and assessment approach vary between lenders and can depend on trading history, business structure, tax returns and other income evidence.

Construction finance is usually released in progress payments as eligible building stages are completed. The lender reviews the contract, plans, builder and valuation, and specific conditions apply before each drawdown.

Beyond the deposit, costs can include stamp duty, conveyancing, inspections, lender fees, registration and insurance. The exact costs depend on the property, location and your eligibility for concessions.

Timing depends on the lender, application complexity, property valuation and how quickly complete documents are supplied. We provide a realistic expectation for your scenario rather than promise a fixed timeframe.