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Home loans

You do the shopping; we help you work out how much you can spend and find a home loan that suits your unique situation. Mortgage applications require mountains of paperwork, but we manage the entire process from shortlist to settlement.

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Loan Market brokers use Australia's widest panel of 100+ banks and lenders.

Type of home loans we offer

Understanding your options means looking beyond your current bank. A Loan Market broker can guide you from saving to settlement so you can buy with confidence, keeping your back pocket protected the entire way.

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Packing up and moving to a new property can be a bit like playing finance Jenga. Our job is to help you get a mortgage structure tailored to your next chapter and arrange bridging finance if needed to cover the gap between your buy and sell dates.

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Banks look after their bottom line; we look after yours. Don’t let a ‘loyalty tax’ sneak up on your mortgage. Let us run a quick health check to make sure your loan is still keeping pace with your life goals and working as hard as you do. 

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FAQS

Quick answers about home loans.

How much can I borrow on a $100,000 salary in Australia?

Your borrowing capacity depends on your living expenses, dependents, and outstanding debts. Under current market conditions, a single earner with no debts could potentially borrow between $400,000 and $550,000, subject to lender eligibility.

Does changing jobs reduce my borrowing capacity?

Changing jobs may affect your borrowing options if you enter a new probationary period. Some lenders require you to be in your current role for at least six months, while others are happy to accept your application immediately if you stay within the same industry.

Can I include my side hustle income in a home loan application?

Lenders will often consider secondary income or side hustle earnings if you have a consistent two year track record of tax returns. Every bank treats self-employed or secondary income differently, which means shopping around is vital.

How does the APRA debt to income cap affect my loan?

Lenders now face strict limits on the volume of loans they can write where the total debt is more than six times your gross household income. If your requested loan amount exceeds this threshold, your pool of potential lenders might shrink significantly.

What is the difference between an offset account and a redraw facility?

An offset account is a separate transactional bank account linked directly to your home loan, where the balance lowers the amount of interest you are charged dollar-for-dollar. A redraw facility is a feature inside the loan itself that allows you to claw back any extra, non-mandatory repayments you have made over time. Both options can potentially shave thousands off your total interest bill.

What is LVR and why does it affect my interest rate?

LVR stands for Loan-to-Value Ratio, which represents the percentage of the property’s total value that you are looking to borrow from the bank. If you buy a house worth $800,000 and have a $160,000 deposit, your loan amount is $640,000, making your LVR exactly 80%. Keeping your LVR under 80% generally unlocks the lowest competitive interest rates and means you avoid having to pay Lenders Mortgage Insurance.

Chat to a Loan Market broker

Why choose a Loan Market broker to get your finance sorted

On your side, not the bank’s

We’re a family owned company and we do not have bank shareholders that we have to answer to. Instead, we work for you and always in your best interests.



Three decades of experience

We’ve been helping Aussies achieve their ambitions since 1994, guiding buyers through the constantly changing property cycle. Our local experience is your secret weapon.

A panel of 100+ lenders

With access to a massive choice of banks and specialist finance providers,we can usually find loan solutions for even the most complex scenarios.

 

 

A complete Loan Market

Buy your first home, next home or investment property, upgrade the family vehicle or scale your business operations. 

If you have a goal, we can help structure the finance to achieve it

No hidden fees*

Our core residential lending service costs you nothing. 


The lender you choose pays us a commission after your loan settles. 

We provide complete transparency from day one

 

Our promises to you.

We defend your back pocket​

We research over 100 banks and lenders to find a loan solution that’s right for you. Our team then negotiates to secure a competitive deal on your behalf

We handle the heavy lifting​

We’ve been helping Aussies achieve their ambitions since 1994, guiding buyers through the constantly changing property cycle. Our local experience is your secret weapon.

We stay in your corner​

With access to a massive choice of banks and specialist finance providers,we can usually find loan solutions for even the most complex scenarios.

100+ lenders.
Thousands of options.
More choice for you.

When banks have to compete against 100 other options for your business, you have the advantage.

Ask us to compare your loan options today
Australian in a blue hat, holding a body board and a stripy towel. Standing next to a bucket and spade.