Home Loan


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Home Loan

Whether you are buying your first home, second home or planning to refinance your existing home loan, a mortgage broker like Key to Australia will help you through the whole process no matter what your situation is.


With access to over 60 lenders and hundreds of loan products you can guarantee we will find you the right loan product to suit your home and lifestyle.


If you have a current home you may be looking to either purchase a new home, upgrade, refinance your existing home or use equity to purchase an investment property.


If you are looking to purchase your first home scroll further down for more help, however if you are purchasing another home or need a home loan for something else we can help with:


  • Upgrading your current home
  • Refinancing
  • Changing your interest rate
  • Releasing equity
  • Purchasing a new home
  • Requiring bridging finance
  • Purchasing an investment property
  • Consolidating personal debt

Deciding on the right process with the right loan is crucial to making sure it all goes smoothly, and that your new loan structure saves you both times and money.


This process can be quite complex but with our help (because we do this every day) we will be able to help you find the right loan that is structured to suit your needs.

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First Home Buyers

We recognise this can be a daunting process for some and we also know that our first home buyers benefit from talking to our finance brokers before looking for a home.


We can pre-qualify you and can work with you to establish your savings plan for your deposit, if you need this service too. We have strategies and programs in place that makes saving for a deposit easier.


We even have lenders whose products are designed to simplify first home ownership with a little bit of help from family. Rest assured that we will strive to select all the right options for you, so you can best decide your next step in your goal of first home ownership


Looking to purchase your first home contact us today.


Our dedicated team stays with you during the entire process, so when the time comes you are ready to buy your first home. Contact us w
e will help you with:

  • Working out how much you can borrow
  • The costs involved when buying your home
  • All the ins and outs of the first homeowners grant
  • Choosing the right type of loan
  • Finding and building towards your deposit
  • Budgeting support with wealth creation goal setting 
Family moving in new house after home loan approval

Why Use a Broker To Help You With a Home Loan?

While there are many banks and lenders to choose from to find the right home loan to suit you, choosing a broker over a bank affords you more choices. Simply put, brokers have access to far more loan products than a single bank does. 


Our best advice if you feel you want to go to a main bank, is to see what they have to offer, then come to us and we will try our best to find you a better deal. 


The biggest difference a mortgage broker has is we are able to assess your situation first then find the best product to suit. Because brokers like ourselves have access to over 60 lenders and over 600 loan products, it enables us to sift through and find the ones that best suit you. 


Every client we meet is different to the next, you could have a job, or be self-employed, own a business, have lots of personal debt, bad credit score, no equity but good cash flow. There are so many scenarios that make your situation unique, that's why is important we talk to you, listen then implement. 


We've been in the industry for many years, we know and understand what certain lenders like and don’t like. We can quickly and effectively work through the best options for you. We negotiate on your behalf making the process simple, and
 save you money in the long run.

  • We research over 60 lenders and hundreds of products to find the right loan for you
  • Expert advice at no cost to you
  • We are with you every step of the way until the property settles
  • We compare what's available in the market with what you re trying to achieve
  • We may even be able to increase your chance of loan approval
  • We don’t charge you as the lenders pay us a commission when the loan is settled
  • We do all the legwork for you
  • We offer unbiased advice
  • We have your best interests at heart
  • We negotiate the terms and conditions of the loan, so they suit your individual circumstances

Credit Representative Number 493774 is authorised under Australian Credit Licence Number 389328.  Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.