Buying your first place should feel exciting, not overwhelming. Let House of Loans do all the heavy lifting for you, as well as recommending the government grants that you might be eligible for.
House of Loans
Your local home and investment loan specialists
House of Loans
Our team brings diverse experience across home loans, business finance and personal lending. That means we can pair you with a broker whose knowledge aligns with your goals, so you move forward with confidence.
Ready to take the next step?
Call us on
Goran: 0401 107 394
Tom: 0467 557 748
or email
Our panel of lenders
With access to over 50 leading lenders, including the big four banks, we can help you get a loan that suits your individual circumstances.
Our featured customer reviews
Loans are such a nightmare but Tom is easy to deal with
“Loans are such a nightmare but Tom is easy to deal with and makes it happen, he explains the process along the way and kept me in the loop. Great outcome!”
Sharnette
I finally have some financial breathing room
“Refinancing my mortgage with Tom has significantly eased the pressure on my finances. After two years of property ownership, I finally have some financial breathing room. Tom guided me through every step of the process, and helped me secure a low fixed rate while paying off my car loan. It made a huge difference!”
Breanna
I would 100% recommend
“I would 100% recommend Tom. This was all very new for us and had so many questions, he explained everything so well. Tom went above and beyond and was there to help us every step of the way. We will definitely be using his services in future.”
Natasha
His willingness to go above and beyond for his client is truly outstanding
“Tom is easily the best Mortgage Broker I have ever dealt with. His industry knowledge and also his willingness to go above and beyond for his client is truly outstanding. Will not hesitate to use his services again in the future.”
Matt
Refinancing with Tom was very easy
“Refinancing with Tom was very easy and a great decision. He was always available to answer all the questions we had and he really went out of his way to give us a stress free experience, as well as a great rate! Really appreciate your service Tom!”
Adam
House of Loans was awesome to deal with
“Used House of Loans recently to start the build of my first home, Tom from House of Loans was awesome to deal with. Great communication from start to finish, went above and beyond to make sure we were looked after and got the right deal that worked for us!”
Dane
He went above and beyond in all facets
” Tom helped us refinance our existing mortgages at a better rate. He went above and beyond in all facets. I highly recommend using House of Loans.”
Hannes
Frequently asked questions
At House of Loans, our core focus is getting you where you need to be financially. Part of that journey is ensuring you’re informed and have key knowledge under your belt.
WHY USE A MORTGAGE BROKER?
As independent brokers, we’re not tied to any one lender, giving us the freedom to access a wide range of products across the market. Our focus is on finding the loan package that truly fits your individual needs, rather than steering you towards a single option.
WHAT IS THE PROCESS?
We start by understanding your goals, then compare lenders and present tailored recommendations. From application to settlement, we handle the paperwork and keep you updated every step of the way.
WHAT DOES YOUR SERVICE COST?
For standard home loans, there’s no cost to you. We’re paid by the lender after settlement, no hidden fees and no extra charges for using a broker.
WHAT IF I HAVE BEEN DECLINED BY ANOTHER BANK?
Multiple failed applications can hurt your credit score. We’ll review your situation and help you put forward the strongest possible application next time.
WHAT IF I'VE BEEN BANKRUPT BEFORE?
It’s not impossible to borrow after bankruptcy. Some specialist lenders consider these cases, and we’ll guide you through your options.
CAN I GET A LOAN IF I WORK CASUALLY OR ON CONTRACT?
Yes, many lenders accept casual or contract income. We’ll help you prepare the right documentation to strengthen your application.
WHAT IF I AM ON COMMMISSION?
Lenders often include a portion of commission income in their assessment. We’ll confirm what’s possible and advise on any employment history requirements.
WHAT IF I HAVE A BAD CREDIT SCORE?
Your credit score is just one factor. We’ll explore lenders who consider income, assets and overall stability to give you the best chance.
CAN I BORROW ON A TEMPORARY VISA?
Yes, most lenders allow 80 – 90% LVR, and up to 95% if you’re buying with an Australian citizen or permanent resident. We’ll clarify eligibility and guide you through the process.