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Home loan


Home Loan

Why contact us?

It is very time consuming to contact number of banks and lenders by yourself. Let us do the hard work! We can search the range of loans available from multiple lenders very quickly to find you the right home loan for your needs. Our team is able to compare hundreds of home loan rates and deals from Australia’s leading lenders including the big four banks. Our team will also take into account other considerations, not just the interest rates to provide a better result in the long run.

The most common types of loans that you'll find:

  1. Fixed Loans

    • The interest rates and repayments are fixed for a set period of time. The benefit of this type of loan is that the repayment won’t change for a fixed period no matter how market interest rates move.

    • However the rates are usually higher than for a variable loan. The interest rates won’t drop even if market rates do. And there can be penalties if you end the contract before it ends.

  2. Variable Loans

    • This is the opposite from fixed loans and most people in Australia choose this type of loan because rates are lower than fixed rates.

    • If rates can drop, so can your repayment. However interest rates might go up during the time of your contract.

    • You can pay off the loan faster if choose to make extra repayments.

  3. Low-Doc Loans

    • This is mostly for self-employed home buyers that don’t have all the financial documents required to get a loan. It allows eligible home buyers with all the usual documents available to access finance.

    • The rate is generally higher than a standard variable or fixed loan, but this is usually reduced after a few years if the repayments are made on time.

  4. Line of Credit Loans

    • With this, you can draw from a fixed amount at any time to pay for whatever you want: your home, shares, holiday, etc.

    • You only have to pay interest on the fund you use, however you need to have some discipline to ensure you pay off the principal as well as the interest.

  5. We want to make sure that your home loan repayments won’t exceed 30% to 35% of your gross monthly income. Therefore prove your income by providing:

    • Payslips

    • Employment details

    • Recent tax return

Six tips for getting a home loan:

  1. Reduce your outstanding debts, this includes any credit card or car loan debts.

  2. 20% deposit can help you avoid Lender’s Mortgage Insurance.

  3. Find a guarantor to support your loan application.

  4. Prove us that you can make consistent repayment by showing us your bank statements or history of loan.

  5. Know your limit and keep your loan applications to a minimum.

With us you can get:

  • 15% bundle discount on AAA accounting services.

  • 100% fee free AAA services for all new loan or refinance.

  • Call us to Check out Home Loan Special Rate 4.05%* and Investment Loan 4.35%*

  • *at comparison rate 4.06%* and Investment Loan 4.36%* based on 25 years $150,000 loan, normal lending criteria applied.

As our client, you can look forward to:

  • Transparency – no hidden fees or charges. With us, what you see is what you get.

  • Choice – we offer many flexible loan features.

  • Service – online or over the phone, our experienced team is here to help.

  • Quick – fast application processing.

Why choose a broker?

A Mortgage Broker is an intermediary who brings mortgage borrowers and mortgage lenders together, but does not use its own funds to originate mortgages. They will do the legwork on researching products on the market from the hundreds available, and then support you through the application and settlement process. They generally charge the borrower nothing for their service, as brokers are paid a commission by the lender when the mortgage is settled.


One of the benefits of using a broker is when you go through the application process. Firstly, they can shop around for you. It can be very time consuming if you do some research on all available loan options. A broker can search the range of loans available from multiple lenders very quickly to find you the right home loan for your needs. They also provide you with one central point for mortgage information and will talk you through the process.

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