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Find The Best Home Loans In Australia

Home Loans Australia provides a free service to help you find the right home loan from a big selection of Australia's leading home loan brokers, banks & non-bank lenders.

Let us help you find the right home loan at the best rates!

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Get your free Home Loan Eligibility Assessment and compare multiple lender offers via our nation-wide mortgage broker panel.

Loan Amount:
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All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

"Mastering Home Loans: Navigating the Australian Mortgage Market"

FREE DOWNLOAD: Mastering Home Loans: Navigating the Australian Mortgage Market

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.

How we work for you!

Whether you are looking for the best available home loan - or just want to find out whether you can qualify, Home Loans Australia can help ...
1. establish your home loan eligibility.
2. provide an offer of the best available Australian Home Loan product alternatives from leading Australian lenders to suit your individual circumstances.
To assist you in finding the right loan we invite you to complete a free online home loan eligibility application. Simply complete our one-page home loan eligibility application form and we'll report back to you with the best home loan offers available. No charge, No obligation.
You are also free to use our online Australian home loan calculators ... to help you work out what you can afford to borrow.

Real people, personal service

We do not rely on automated software to provide "instant" mortgage finance recommendations ... because we believe that no software can completely comprehend the specific needs of any individual in determining the most appropriate mortgage products or options.
When you apply for a free assessment on this website your application will be reviewed by a qualified professional who will then utilise the latest product analysis research and technology in order to tailor an individual recommendation and product comparisons appropriate to your personal circumstances.
Therefore it is important, when you complete your eligibility assessment application, that you answer all questions as completely and as accurately as possible.

Not yet ready to buy?

Use our free eligibility assessment to find out how much you can afford to borrow now and, when you are ready to go real estate shopping, you can do so with the confidence of being pre-approved!
Just complete our simple home loan eligibility application form and a fully qualified, professional mortgage consultant will set out your options for achieving what you want to do.
If you do not currently qualify automatically to borrow enough money to buy your dream house right now, your mortgage consultant can help you by:-
a. explaining all of the options and alternatives that may currently be available to you;
b. showing you exactly what more you need to do in order to borrow the amount you need now;
c. outlining exactly what you will need to do in order to qualify at some time in the future and;
d. maintaining contact with you to provide ongoing information and assistance as you require until you are ready to buy.

Home Loans Articles

How to Boost Your Credit Score for a Better Home Loan Rate
How to Boost Your Credit Score for a Better Home Loan Rate
A credit score is a numerical representation of your creditworthiness. It is calculated based on your credit history, including factors like your payment history, the amount of debt you have, and the length of your credit history. - read more
Creating a Personalized Savings Plan for Your Home Deposit
Creating a Personalized Savings Plan for Your Home Deposit
Buying a home is one of the most significant financial commitments you will make in your lifetime. Without a solid savings plan, you may find it challenging to gather the necessary funds for a home deposit. This can delay your home-buying journey and add unnecessary stress to an already high-stakes process. - read more
Understanding Mortgage Insurance: A Guide for Australian Homebuyers
Understanding Mortgage Insurance: A Guide for Australian Homebuyers
Buying a home is a significant milestone for many Australians, but it often involves securing a mortgage, which can be a complex process. An essential part of this process is understanding mortgage insurance. Mortgage insurance is a type of insurance policy that protects lenders from the risk of defaulting borrowers. - read more
The Insider’s Guide to Reducing Mortgage Stress and Staying on Track
The Insider’s Guide to Reducing Mortgage Stress and Staying on Track
Mortgage stress is a common concern among homeowners worldwide, with the potential to cause significant financial and emotional strain. It often occurs when mortgage repayments consume a large portion of your income, leaving little room for other expenses and causing anxiety over financial security. The impact of not managing this stress can be far-reaching, affecting not only one's financial health but also overall wellbeing. - read more
How to Leverage the First Home Owner Grant in Your Home Buying Journey
How to Leverage the First Home Owner Grant in Your Home Buying Journey
Welcome to the pathway of becoming a homeowner in Australia! If you're a first-time buyer, there's a good chance you've heard of something called the First Home Owner Grant (FHOG). It's a pivotal element in the home buying conversation, and for good reason. Navigating through real estate jargon and financial assistance programs can be confusing, but understanding the FHOG can significantly impact your purchasing power and overall experience in acquiring your dream home. - read more

Finance News

APRA Implements Cap on High DTI Home Loans to Address Housing Market Concerns
APRA Implements Cap on High DTI Home Loans to Address Housing Market Concerns
02 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
Australian Home Prices Continue Upward Trend Amidst Affordability Challenges
Australian Home Prices Continue Upward Trend Amidst Affordability Challenges
02 Dec 2025: Paige Estritori
In November 2025, Australia's housing market experienced a 1% month-on-month increase in home prices, bringing the national median value to A$888,941. This follows a 1.1% rise in October, indicating a persistent upward trend in property values. The growth was particularly pronounced in mid-sized state capitals, with Perth leading at a 2.4% increase. Sydney and Melbourne saw more modest gains of 0.5% and 0.3%, respectively. - read more
Analysts Predict Continued Growth in Australian Home Prices Through 2026
Analysts Predict Continued Growth in Australian Home Prices Through 2026
02 Dec 2025: Paige Estritori
Recent analyses indicate that Australian home prices are expected to rise by approximately 6.9% in 2026, an upward revision from earlier projections of 5.6%. This forecast follows an anticipated 8% increase in 2025, highlighting a sustained upward trajectory in property values. The primary drivers behind this growth include limited housing supply and resilient demand, particularly in major cities such as Sydney, Melbourne, Brisbane, Adelaide, and Perth. - read more
Commonwealth Bank Expresses Concern Over Surging Home Loan Demand
Commonwealth Bank Expresses Concern Over Surging Home Loan Demand
24 Nov 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has recently voiced concerns regarding the escalating demand for home loans, suggesting that this surge may be contributing to unsustainable property price increases. CEO Matt Comyn highlighted that while the bank benefits from the current housing credit boom, a more moderate growth rate would better support long-term financial stability and housing affordability. - read more
Expanded First Home Guarantee Scheme Poised to Elevate Property Prices
Expanded First Home Guarantee Scheme Poised to Elevate Property Prices
24 Nov 2025: Paige Estritori
As of October 1, 2025, the Australian government's expanded First Home Guarantee Scheme has come into effect, introducing significant changes designed to make homeownership more accessible for first-time buyers. Key modifications include the removal of income caps, increased property price limits, and the elimination of restrictions on the number of guarantees available. - read more

Need Help Finding a Home Loan?
Get your free home loan eligibility assessment and compare offers tailored specifically to your circumstances.
Loan Amount:
Postcode:
All finance quotes are provided free (via our secure server) and without obligation.
We respect your privacy.

Start Here

Get your free Home Loan Eligibility Assessment and compare multiple lender offers via our nation-wide mortgage broker panel.

Loan Amount:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.

"Mastering Home Loans: Navigating the Australian Mortgage Market"

FREE DOWNLOAD: Mastering Home Loans: Navigating the Australian Mortgage Market

Knowledgebase
Mortgage Broker:
A person or company that acts as an intermediary between borrowers and lenders, but does not lend money directly.