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.

Ready to chat to one of our team?

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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

Haejin Lim

6stars A huge thank you to the team at Finance Emporium! They truly make things happen. From start to finish, the process was seamless and stress-free. Sunny structured the finance perfectly to help me achieve my goals — and I just picked up my Porsche! 🚗✨ If you don’t know where to start, start here. Professional, efficient, and results-driven. Highly recommend!

Clinton Vu

Sunny was an exceptional mortgage broker and a trusted advisor throughout our property journey. She was always transparent and consistently put our best interests first. Sunny is very knowledgeable and experienced, and she explained everything in a way that was easy to understand. Even after settlement, Sunny made it clear that she’ll continue to support us throughout our property journey, which really shows how much she cares about her clients. She’s very personable and made the whole process feel straightforward and far less stressful. I’d definitely recommend Sunny to anyone looking for a mortgage broker.

DJ lee

From start to finish, Sunny was consistent, clear, and incredibly supportive in her communication. As first-home buyers new to the property market, her expertise was exactly what we needed. She was always kind and approachable, and we felt completely comfortable asking questions at any time without feeling like a burden. Her recommendations were consistently professional and always aligned with our best interests. Even after nearly a year of searching, Sunny remained patient and never once pressured us. When we finally found the home we loved, she acted quickly and made the entire process seamless and stress-free. Thank you so much, Sunny — we truly couldn’t have done this without you!

Andy Han

이 힘든 시드니의 환경속에서 집 구매는 너무 힘든 조건이였지만 Sunny님이 도와주신 덕분에 무사히 이 여정을 마칠 수 있었습니다. 각자의 조건이 다틀리지만 그 어려운 조건을 가능하게 만들어 주시는 Sunny님의 조언과 능력 덕분에 집을 구매할수 있었습니다. 고민하지마시고 상담하시기 바랍니다 강력 추천합니다!!

david kong

Sunny was attentive, prompt, punctual, and highly informative throughout the entire property purchase process. Most importantly, she maintained a high level of professionalism in all her interactions. She did an excellent job explaining each step clearly, making the entire experience smooth and stress-free.

Jenny Kim

Sunny is always kind, active, and helps me overcome difficult situations, and she has a lot of information and is the best broker who always looks pretty with a smile. If anyone buys a house, I will actively recommend her.

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.

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.

At Finance Emporium, we're Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options