Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.

When looking at different Home Loan Options, it's important to understand some of the key loan attributes:

Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

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Getting a Home Loan

Step 1: Let's Talk

We start with a friendly chat to understand your goals, whether you're buying, investing, or refinancing. We’ll explore your needs, financial situation, and what’s most important to you.

Step 2: Compare Your Options

We assess your borrowing power and shortlist loan options from our wide panel of lenders — making sure they suit your circumstances and future plans.

Step 3: Pre-Approval

Once you're ready, we help secure pre-approval so you can shop with confidence, knowing how much you can borrow and what’s achievable.

Step 4: Final Approval & Settlement

We manage the full application process, keep you updated, and guide you through to formal approval and settlement — with no stress and no surprises.

Step 5: Ongoing Support

Even after your loan is settled, we're here to help — from reviewing your rate, to planning your next property move or accessing equity when the time is right.

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Our Latest Reviews

Park Stella

Awesome customer service and very infomative. Got answerd what i wanted to know. Excellent explanation

Giyoung Goo

While we were working together, I was really impressed and very grateful to see the passionate and professional advice they gave and the care they gave to make sure everything went well. We hope that we will continue to achieve more success with many customers and achieve more good results in the future.

J Kim

Sunny is an exceptional broker. I have dealt with a few brokers and banks myself through purchasing several properties in the past. She is by far the best person I have done business with. She is experienced, efficient, and very professional, and she proves it with the results. I believe it's due to her extensive experience working at a major bank. I highly recommend her. She will definitely be my broker again for future refinances or financing a new loan.

My Surrey

Great service! They helped us to get a first home loan. They are very helpful and will help you really. Than you.

Anthia Amanatidis

This is the first time buying a house and I had a great experience all the information was given step by step didn't feel nervous to ask questions they listen and help you so much ( Completely took the stress out. ) made it so positive and wonderful

Chloe

I recently secured my second home loan with this exceptional team, and this experience was considerably more complex than my first. My partner and I made a sudden decision to purchase a property, necessitating the use of our equity. Despite these challenges, the team performed admirably, guiding us through each step seamlessly. Their professionalism was evident as they remained easily accessible and responded promptly to our inquiries, a crucial aspect in the realm of loan brokerage. Unlike the horror stories I've heard of unresponsive brokers, this team provided consistent updates and reassurances, especially on the crucial final day of approval. Their dedication to our case was evident, and we wholeheartedly recommend them for their trustworthiness and expertise, whether it's your first or second time working with them!

We proudly work with a wide panel of trusted lenders:

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

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Name

Phone Number

Email Address

Strathfield, NSW

0488 224 097

About

Business Loans

Residential Loans

Finance Emporium Pty Ltd ABN: 41 639 946 606. Credit Representative #524556 is authorised under Australian Credit License #384704

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.