Your Trusted Finance Partner for All Home Loans
With over 100 home loan lenders in Australia, including banks and non-bank lenders, it can be difficult and time-consuming to find the right residential home loan. That’s one of the reasons why more than three quarters of homeowners go with one of the big four banks… without realising they could save thousands with a loan from one of the alternative lenders.
First Home Buyers
Buying your first home is an exciting milestone, but it can also feel overwhelming. At LenderZone, we’re here to simplify the process, guiding you every step of the way with clear advice and tailored solutions. Whether you’re saving for a deposit, searching for government grants, or comparing lenders, we help you cut through the complexities so you can focus on finding the perfect home.
One-on-One Personal Guidance
We offer step-by-step guidance, helping you understand eligibility criteria, government grants (such as the First Home Owner Grant or stamp duty concessions), and loan options tailored to your needs.
Access to Competitive Loans
We collaborate with a network of lenders to find loans with competitive rates, flexible repayment terms, and features that suit your financial goals.
Education & Empowerment
We believe in transparency. We’ll break down technical jargon, ensuring you understand every aspect of your mortgage agreement. From offset accounts to fixed vs. variable rates, our priority is to empower you with knowledge.
Streamlined Application Process
Our experts handle the paperwork and liaise with lenders on your behalf, making the process seamless. We ensure you’re well-prepared for every stage, from pre-approval to settlement.
Residential Home Loans
Finding the right home loan is as important as finding the right home. At LenderZone, we specialise in tailoring residential home loans to fit your lifestyle and financial goals.
Imagine a loan with competitive rates, flexible features like offset accounts, and repayment options that work for you. Whether you're buying your first home, upgrading, or finding the ideal spot to settle down, we ensure every step of the process is seamless and stress-free.
Our team listens, understands, and guides you through pre-approvals, lender comparisons, and settlement. With access to a wide panel of lenders, we help you navigate the complexities of home loans with clarity and confidence, leaving no questions unanswered.
At LenderZone, we’re not just here to secure a loan—we’re here to secure your home. Let’s make it happen together.
Investment Property Loans
Investing in property is an exciting opportunity to build long-term wealth, but it requires the right financial tools. At LenderZone, we specialise in investment home loans that are structured to support your goals while maximising your return on investment.
We offer expert guidance to help you choose from a range of flexible options, including interest-only repayments, offset accounts, and tailored loan terms. With access to a diverse panel of lenders, we ensure competitive rates and features that align with your property investment strategy.
Beyond the loan itself, we provide insights into market trends, tax benefits, and leveraging equity for future purchases. Whether you’re a first-time investor or an experienced property owner, LenderZone simplifies the process, providing personalised advice and seamless support to keep your portfolio growing.
Let us help you take confident steps toward achieving your financial goals through property investment.
Refinance Options
Refinancing your home loan is more than just a financial decision—it’s an opportunity to take control of your future. At LenderZone, we help you unlock the benefits of refinancing, whether it’s reducing your monthly repayments, accessing better rates, consolidating debt, or funding that long-awaited renovation.
Our experts guide you through every step, assessing your current loan and comparing it to a range of competitive options from our panel of trusted lenders. We tailor solutions to match your goals, ensuring you reap the rewards of a smarter financial strategy.
With LenderZone, refinancing is simple, transparent, and designed to deliver real savings. Let us help you maximise your home loan’s potential and create a plan that works for you today—and tomorrow.
Types Of Home Loans We Can Assist With
Variable Rate Home Loans
Variable home loans are where your interest rate will vary with market changes. This may mean that your minimum repayments will vary, generally inline with the cash rate set by the RBA. Variable rate loans can be a great option for many customers, the advantages include: ➔ Save money if interest rates go down over the course of the loan. ➔ Capturing a lower initial rate Deciding what’s right for you can be a difficult decision, however our team work tirelessly to find the solution that best fits you and your goals.
Fixed Rate
Home Loans
Fixed home loans are where your interest rate is essentially fixed for a set period. This means your minimum repayments will remain the same over the length of the loan. The benefits of a fixed rate loan include: ➔ Certainty of repayments ➔ Locking in a lower interest rate before rises Our team of mortgage brokers can work with you to find the right outcome for your needs.
Construction
Home Loans
Construction loans are tailored for building projects, releasing funds in stages as construction progresses. Borrowers pay interest only on the funds drawn, reducing initial costs. These loans require progress inspections and detailed planning, making them ideal for individuals or investors undertaking new builds.
Split Home
Loans
A split loan allows you to divide your mortgage into fixed and variable portions. This hybrid solution combines the security of fixed repayments with the flexibility of a variable loan, offering balance and adaptability. It’s perfect for borrowers wanting to hedge against rate changes while retaining repayment flexibility.
Offset Home
Loans
Offset accounts link your home loan to a savings account, reducing the interest you pay by offsetting your loan balance with your savings. For example, if your loan is $400,000 and you have $50,000 in savings, you’ll only pay interest on $350,000. This feature is particularly beneficial for disciplined savers looking to reduce their interest over time.
Low-Doc
Home Loans
Low-doc loans cater to self-employed individuals or those with non-standard income documentation. They offer a streamlined application process with fewer requirements but typically come with higher interest rates and stricter conditions to mitigate risks for lenders.
Refinance
Home Loans
Refinance loans allow you to borrow up to a pre-approved limit, making funds available for renovations, investments, or other expenses. Interest is charged only on the amount used. While highly flexible, it requires careful budgeting to avoid overspending, as it often has higher interest rates.
Bridging
Home Loans
Bridging loans provide short-term funding for those buying a new property before selling their current one. These loans cover the financial gap, offering flexibility during transitions. While convenient, they often have higher interest rates and require a solid exit strategy.
Hassle-free Loan Approval Process
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Schedule a Virtual Call
Your journey starts with a personalised virtual call. This session is designed to deeply understand your financial goals, lifestyle aspirations, and property plans. We’ll collect essential details about your financial situation, income, credit score, and future objectives. This step is crucial in building a strong foundation for your home loan process.
2
Tailored Loan Options
Based on the information gathered, we leverage our network of trusted lenders to present you with a curated selection of tailored loan options. Whether you're seeking competitive interest rates, low-doc loans, or refinancing solutions, we’ll break down the pros and cons of each option, ensuring you’re fully informed about your choices.
3
Secure Pre-Approval
Once you’ve chosen the right loan option, we’ll streamline the pre-approval process, preparing your application with precision. Pre-approval not only gives you confidence in your buying power but also demonstrates your readiness to sellers, helping you stand out in competitive markets.
4
End-to-End Support
From submitting your application to the final settlement, we handle every detail to ensure a smooth and stress-free process. We liaise with the lender, manage the paperwork, and provide consistent updates. Our team is by your side every step of the way, ensuring you unlock the right loan with confidence and clarity.
What sets us apart from your local bank?
Your needs and goals always come first
Complementary Buyer Support Services
Experienced mortgage experts located in Canberra
A stable dedicated team to champion your approval
Customers are treated like people
Lender needs come before yours
Limited Access with long overhaul
Application frustrations due to offshore credit departments
Call centres and a revolving door of staff
Customers are treated like transactions
Access to over 35 Lenders across residential, commercial and personal finance
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What is the minimum deposit required for a home loan?Lenders require that you have minimum of 5% deposit of the property’s purchase price before taking out a home loan. However, in situations like a ‘Family Guarantee’, this deposit can be lower. The minimum deposit depends on the loan type and lender's terms, but the maximum amount is up to you. Remember that you may have to pay Lender Mortgage Insurance (LMI) if your deposit is less than 20% of the property’s price, unless you qualify for an LMI waiver.
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Can I pay out my home loan at any time?Yes. You can repay your home loan at any time without incurring early exit or early termination fees. Whilst these fees are banned in Australia, the lender may still impose a small fee if you break a fixed-rate agreement. It's important to check with the lender on early repayment terms and associated charges.
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What is the easiest way to get a Home Loan?There are numerous home loan options available to home buyers. All these loans have varying complexities and terms. Work with LenderZone to find a loan with favourable terms. A trusted mortgage broker, we have access to over 35 lenders and 100 loan products, and we scrutinise each of them when choosing the right home loan for our borrowers.
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I am a First Home Buyer, what are my options?There are numerous home loan options for first-time homebuyers. The biggest problem is finding a loan product and lender combination that fits your financial situation. Let LenderZone help you make the right decisions when choosing home loans in ACT & NSW.
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Can I switch to a different Home Loan later on?You can refinance or change lenders for your home loan at any time. However, if you break a fixed interest rate loan, there may be additional costs. If you find that a different lender or loan product suits you better, you can go ahead and make the switch. LenderZone is your trusted partner in hunting for the best home loans in Australia. We pair you with a suitable lender and help process your loan at no fee at all. Get in touch to learn more.
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Why should I use a mortgage broker instead of going directly to a bank?Using a mortgage broker can provide you with access to a wider range of products, tailored advice, and assistance in navigating complex loan applications, saving you time and potentially money.
Start Your Mortgage Journey With Ease
Have a question or need expert mortgage guidance? Our friendly team at LenderZone is just a click away. Contact us today!
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