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

Min Lee

Thanks to your help, the settlement was completed smoothly. I really appreciate your assistance throughout the process!

HR Jang

I had a great experience working with my mortgage broker,Sunny. She was very structured, professional, and transparent throughout the entire process. She explained everything clearly, kept me well informed, and always responded to my questions very quickly. Sunny was also incredibly kind, patient, and approachable, which made the whole mortgage process much less stressful. I really appreciated her efficiency, honesty, and attention to detail. I would highly recommend her to anyone looking for a reliable and supportive mortgage broker.

sarah lee

Thank you for all your help Sunny! She has been so supportive and professional throughout the entire process. I highly recommend!!!

Han

Sunny is definitely different from other brokers. From the very beginning until the end of the process, she was always professional, friendly, and very clear in explaining everything. Even when things became complicated, she worked hard to find the best solution for us and kept us updated throughout the entire process. What impressed me the most was how responsive, reliable, and genuinely caring she was. She doesn’t just arrange a loan — she really looks at things from the client’s perspective and does her best to achieve the best possible outcome. If you are looking for a mortgage broker, I highly recommend Sunny. You will definitely notice the difference compared with others. You can trust her and leave everything in her hands with confidence. I would absolutely use Sunny again for any future home loan or refinancing needs. Thank you so much, Sunny, for all your hard work and support!

Mi Mi

모든 과정을 친절하게 끝까지 도와줘서 고마워요 걱정하는 마음까지 위로해주고 함께 기다려주는 좋은 친구가 옆에 있는것 처럼 든든했어요 앞으로도 하는일이 더 잘되길 기도해요

jinyoung an

Sunny was professional and made the home loan process smooth and stress-free She explained everything clearly and were always responsive. Highly recommend for anyone looking for reliable and efficient service.

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 Licence #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