Home Loans
Expert Mortgage Broking Across Australia
Takes 2 minutes • No obligation
Expert Mortgage Broking Across Australia
Takes 2 minutes • No obligation
Buying a home is one of the biggest financial decisions you'll make. At Finance Hub, we understand no two buyers are the same. That's why we provide genuinely personalised assistance to help you navigate the home loan market and find a loan that fits your individual circumstances.
Whether you're purchasing your first property, upgrading to your next home, or refinancing for a better deal — our experienced brokers guide you every step of the way.
With access to over 30 lenders, including major banks and specialist lenders, we compare hundreds of loan products to find the right fit for your situation. Our priority lender status with several major banks means your application gets fast-tracked — typically 24-48 hours for conditional approval versus 3-5 business days through standard channels.
Understanding your options is the first step to finding the right loan. Here are the most common home loan types available in Australia.
Your interest rate moves with the market. Offers flexibility with features like offset accounts and redraw facilities. Ideal if you want to make extra repayments or benefit when rates fall.
Lock in your rate for 1-5 years for repayment certainty. Protects you from rate rises and makes budgeting easier. Perfect if you prefer predictable monthly costs.
benefits of both options — fix a portion for certainty while keeping the rest variable for flexibility. A popular choice for borrowers who want balance between security and opportunity.
Link a savings account to your loan so your balance reduces the interest charged. Every dollar in your offset works to reduce your loan term and total interest paid.
Make extra repayments and access them later if needed. Helps you pay off your loan faster without losing access to your funds in an emergency.
Purpose-built for building a new home or major renovations. Funds are drawn progressively as each stage is completed, so you only pay interest on what's been drawn.
As your mortgage broker, Finance Hub does more than submit paperwork. We provide end-to-end support:
Meet Mark & Lisa — a real-world example of how broker expertise pays off
Mark and Lisa were looking to buy their first family home in western Sydney for $850,000. They went to their bank directly and were offered a variable rate of 6.45% with a 30-year term, requiring a 10% deposit ($85,000) plus Lenders Mortgage Insurance (LMI) of approximately $12,800.
Through Finance Hub, their broker compared offers across 30+ lenders and found:
This example is illustrative only. Your actual savings will depend on your individual circumstances, loan amount, and the lender's assessment. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
We make the home loan process simple and transparent. Here's how it works.
We discuss your goals, timeline, and financial situation in a no-obligation meeting. Available in person, by phone, or video call.
We gather your income, expenses, assets, and liabilities to build an accurate picture of your borrowing position and identify the most suitable loan structures.
We research the market across 30+ lenders and present you with a shortlist of suitable options, explaining the pros and cons of each in plain language.
Once you choose a loan, we prepare your application, compile documents, and lodge with the lender. Our priority status means faster turnaround.
We coordinate with your solicitor for smooth settlement. After you move in, we continue monitoring your loan to ensure it remains competitive.
Find out your estimated borrowing power in under 2 minutes — powered by real lender criteria from our panel of 30+ lenders.
A home loan through Finance Hub may suit you if...
Everything you need to know about home loans in Australia.
Speak with our experienced brokers today for a no-obligation consultation.
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