Finance Hub
Home Loans
Your home loan is likely the biggest financial commitment you will make, so it pays to understand the basics before you sign. We introduce you to independent, licensed brokers who explain your choices clearly.
The building blocks of a home loan
Every home loan comes down to a few key features: the interest rate, the repayment type, the loan term, and the fees and features attached. Get comfortable with these and you can compare products on more than just the headline rate.
Features like redraw, offset accounts, and the ability to make extra repayments can matter as much as the rate itself, depending on how you manage your money.
Owner-occupier considerations
Because you live in the home, lenders often view owner-occupier loans differently from investment loans. Your borrowing capacity is shaped by your income, living costs, and existing debts, and a broker can help you present your situation in its best light.
Our role in the process
We connect you with independent, licensed mortgage brokers and then step aside. We do not provide credit advice or recommend specific products — that is your broker's job, and the final choice is always yours.
Related reading
- How to buy your first home — a step-by-step guide for first-time buyers.
- First home buyer support — the introductions and guidance we offer new buyers.
Frequently asked questions
How much deposit do I need for a home loan?
Deposit expectations vary by lender and loan type, and some options exist for smaller deposits. A licensed broker can outline what applies to your situation.
Should I fix my rate or stay variable?
There is no single right answer — it depends on your goals and appetite for certainty. Your broker can walk you through the trade-offs based on current market conditions.