Buying your first home can feel overwhelming. Our step-by-step guide helps you understand deposits, government grants, and the loan application process so you can feel confident every step of the way.
Refinancing Guide
Want to reduce repayments or access your equity? Learn how refinancing works, the benefits, and what to consider before making the switch.
Property Investment Guide
Thinking of building wealth through property? This guide explains investment loan types, risks, and strategies to help you make informed decisions.
Business Loan Guide
From small business expansion to property development finance, our business loan guide breaks down what options are available for commercial clients.
Most lenders require at least a 5%–20% deposit of the property’s purchase price. However, having a larger deposit can help you secure better interest rates and avoid paying Lenders Mortgage Insurance (LMI).
The time frame depends on your situation and the lender. On average:
Pre-approval: 1–5 business days
Formal approval: 5–14 business days (after you submit all documents)
Fixed Rate Loan: Your interest rate stays the same for a set period (e.g., 1–5 years), giving you repayment certainty.
Variable Rate Loan: Your interest rate can go up or down depending on the market, which means repayments may change.
Generally, lenders ask for:
Proof of identity (passport, driver’s licence)
Proof of income (payslips, tax returns, bank statements)
Details of current debts and expenses
Savings history and deposit details
Home Loan Checklist (PDF) – List of documents required for your loan.
Budget Planner (Excel) – Track income, expenses, and savings.
Loan Comparison Sheet (PDF) – Compare different loan products side by side.
Property Buying Checklist (PDF) – Key steps before purchasing property.
You know every step of the journey.
From consultation to post-settlement, we are with you.
Solutions are tailored to your unique needs.
