Find the right home loan for your situation
We compare variable, fixed, and split rates across 30+ lenders, so you get the right loan at the right rate, with no broker fee.
Home loan options we search
Variable Rate
Your rate moves with the market. Variable loans offer the most flexibility: redraw facilities, offset accounts, and the ability to make extra repayments without penalty.
Fixed Rate
Lock in your rate for 1–5 years and protect yourself from rate rises. Fixed loans give certainty over your repayments, ideal if you're budgeting carefully.
Split Loan
Part fixed, part variable. A split loan lets you enjoy rate certainty on one portion while keeping flexibility on the other. We'll find the right balance for your goals.
Principal & Interest or Interest-Only
Principal & interest repayments pay down your loan balance over time and are standard for owner-occupiers. Interest-only repayments cover just the interest charges for a set period, commonly used by investors to manage cash flow or by borrowers during a construction phase.
Not sure which loan type suits you? We'll work through the options together.
Talk to ShaneGoing direct vs. Finance Craft
Your bank has one set of products. We have access to 30+ lenders, and we do the searching, negotiating, and paperwork for you.
Finance Craft
- 30+ lenders compared on your behalf
- Rate negotiation with lenders
- $0 broker fee (lenders pay us)
- Full application and paperwork support
- Ongoing support after settlement
Going Direct to Your Bank
- Limited to that bank's products only
- No independent rate comparison
- You handle all paperwork yourself
- No advocacy if issues arise
- Loan features may not match your needs
Your bank is one option. We give you 30+ and do all the comparing for you.
See What's AvailableYour home loan journey
Understand Your Goals
Whether you're buying, refinancing, or investing, we start by understanding your situation, timeline, and what you want from your loan.
Compare & Apply
We search 30+ lenders, present your best options with honest analysis, and handle the entire application process.
Settle with Confidence
We coordinate with your solicitor and lender through to settlement, then stay in touch to make sure your loan keeps working for you.
Home loan essentials
Offset Accounts
An offset account is a transaction account linked to your loan. Every dollar in it reduces the balance you pay interest on, saving money daily without locking funds away.
Lenders Mortgage Insurance
LMI applies when you borrow more than 80% of the property value. It's a one-off cost that protects the lender, not you. We'll calculate whether it's worth paying or whether waiting to save more makes sense.
Comparison Rates
The advertised rate isn't always the full picture. A comparison rate includes fees and charges, giving you a truer cost of the loan. We compare both so you're never caught out.
Borrowing Power
Lenders assess income, expenses, existing debts, and dependants to calculate what you can borrow. We'll run the numbers across multiple lenders. Some are significantly more generous than others.
Home loan FAQs
Variable rates move with the market. When the RBA adjusts rates, your repayments change accordingly. They offer the most flexibility, including redraw and offset features. Fixed rates stay the same for a set period (typically 1–5 years), giving you certainty and protection from rate rises. A split loan gives you both.
20% avoids Lenders Mortgage Insurance entirely, but it's not the only option. Many lenders accept 10% or even 5% deposits. With a smaller deposit you'll pay LMI, but sometimes entering the market sooner makes more financial sense than waiting. We'll calculate the real cost of each scenario for you.
An offset account is a savings or transaction account linked to your home loan. The balance reduces the amount of interest you're charged daily, without reducing your loan balance. It's a powerful tool if you have regular savings or a variable income, as your money stays accessible while still working hard.
Yes, and it's strongly recommended. Pre-approval confirms your borrowing capacity and shows sellers you're a serious buyer. It's generally valid for 90 days and gives you confidence to search and bid without uncertainty. We'll assess your position and manage the pre-approval process across suitable lenders.
No. Using your existing bank limits you to their products only. As your broker, we search 30+ lenders to find the best rate, features, and structure for your situation. Many clients save thousands by switching to a lender that actually suits their needs, with no extra effort on their part.
Ready to find a better home loan?
Book a free call with Shane and let's find the right loan for you.