A home loan is the biggest financial decision most people make. Worth getting compared properly.
Testimonials
What clients say
★★★★★
“My bank said they couldn't do better. The Loan People found me a 0.78% lower rate at a different lender. Saving $480 a month, switching cost recovered in 2 months. Should've done this years ago.”
Michelle T.
Melbourne · Dec 2025
★★★★★
“Self-employed, two banks said no. Broker mapped us against five specialist lenders, found one that took our last two BAS statements as proof of income. Approved in 3 weeks. Could not have done it without them.”
James W.
Perth · Oct 2025
★★★★★
“Bought my third investment property last year. Broker structured the equity release across the existing two so I didn't cross-securitise. Worked with my accountant on tax-effective structure. Genuinely strategic broker.”
Priya S.
Sydney · Sept 2025
FAQ
Home Loans — common questions
Are first-home owner government schemes worth it?+
For most first home buyers earning under the income caps — yes, the FHB Guarantee and FHB Concession can save tens of thousands and let you buy with smaller deposits. We assess eligibility on every application.
How is my borrowing capacity calculated?+
Income, expenses, existing debts, dependants and the lender's affordability buffer (currently 3% above the rate). We model it across all 32 lenders — borrowing capacity varies by $100k+ between them sometimes.
Fixed or variable?+
Depends on your situation, the rate environment and how much certainty you want. We model both side-by-side, including 1-2-3-5 year fixed options.
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