Home Purchase
Buying a Home
Whether it's your forever home or a stepping stone, buying property is one of life's biggest decisions. We make the finance part simple, so you can focus on finding the right place.
Compare 70+ lenders
Access products from major banks, credit unions, and specialist lenders - all in one application.
Free service
We're paid by the lender when your loan settles. Our service costs you nothing.
Expert guidance
We want you as clients for the long-term and will assist you even after settlement. From pre-approval to settlement and beyond, we're here for you.
Best interest duty
We're legally required to act in your best interest - not just sell you any product.
The Journey
From search to settlement
We guide you through every step of the home buying process.
Get pre-approved
Know your budget before you start looking. Pre-approval gives you confidence and shows sellers you're serious.
Check borrowing powerFind your property
Research areas, attend inspections, and make informed decisions. We're here to answer questions along the way.
Read our guideMake an offer
Once you find the right property, make an offer subject to finance. We'll fast-track your formal approval.
Settlement
We coordinate with your conveyancer and lender to ensure everything runs smoothly on settlement day.
Preparation
What you'll need
Being prepared makes the process faster and smoother. Here's what lenders typically require for a home loan application.
Identity documents
Passport, driver's licence, or other government-issued ID
Income evidence
Recent payslips, tax returns, or business financials if self-employed
Asset & liability details
Bank statements, existing loans, credit cards, and savings
Quick Tip
Get pre-approved before you start looking
Pre-approval gives you a clear budget, shows sellers you're serious, and lets you act quickly when you find the right property. It's free and usually takes just 24-48 hours.
Get pre-approvedFAQs
Common questions
How much deposit do I need?
Traditionally, 20% is ideal to avoid Lenders Mortgage Insurance (LMI). However, some lenders accept as little as 5% deposit, and government schemes can help first home buyers enter with just 2-5% deposit.
What documents do I need for a loan application?
Typically you'll need: proof of identity (passport/licence), proof of income (payslips, tax returns), bank statements, and details of any existing debts. We'll provide a complete checklist based on your situation.
How long does pre-approval take?
Pre-approval can often be obtained within 24-48 hours for straightforward applications. More complex situations may take a few days. Pre-approval is typically valid for 3-6 months.
Should I use a fixed or variable rate?
It depends on your circumstances and risk appetite. Fixed rates offer certainty, while variable rates are often lower and more flexible. Many borrowers split their loan to get the benefits of both.
What costs are involved in buying a home?
Beyond the deposit, budget for stamp duty (varies by state), legal/conveyancing fees ($1,500-$3,000), building/pest inspections ($300-$800), and moving costs. Use our stamp duty calculator for an estimate.
Ready to buy?
Let's find the right loan for your home purchase
Book a free consultation and we'll guide you through the process.