Home Loans Australia publishes information, tools and resources to help you understand home loans and the factors to consider when comparing options from banks and non-bank lenders.
Explore home loan rates, eligibility criteria and refinancing through our guides and calculators.
Whether you are learning how to compare home loans or want to understand the factors lenders consider when assessing eligibility, Home Loans Australia provides general information to help you:
1. understand home loan types, interest rates, comparison rates, fees and features.
2. learn about lender eligibility criteria, the application process and how mortgage brokers work.
For practical financial information, news, guides and resources, subscribe free to MoneyTips. This is an informational subscription, not a home loan enquiry or referral request.
You are also free to use our online Australian home loan calculators as general mathematical tools. Results are estimates based on assumptions, not quotes, offers, approval, eligibility decisions or assessments of what you can afford to borrow.
Understanding mortgage brokers
We do not provide mortgage finance recommendations, whether automated or otherwise. This website provides general information, not personalised advice, and does not accept home loan applications or refer enquiries to brokers or lenders.
A mortgage broker may help consumers compare home loan options available through their lender panel. Panels, fees and commissions can vary, and a broker may not cover every lender or product in the market.
Learning about deposits, buying costs and lender assessment criteria can help you prepare for home ownership. Any formal pre-approval would be assessed by a lender, directly or via your chosen broker.
Welcome to our comprehensive guide on navigating the complexities of investment property financing. In Australia, property investment has long been regarded as a favoured strategy for wealth creation and financial security. However, this path comes with its unique set of challenges and risks that must be carefully managed to ensure a successful investment journey. - read more
Compare common types of home loans in Australia, including owner-occupier, investment, fixed, variable, split, interest-only, construction, guarantor and low-deposit loan structures. - read more
Welcome first-time home buyers! Embarking on the journey to purchase your first home can be both exciting and overwhelming. One of the crucial steps in this process is understanding and obtaining home loan pre-approval. - read more
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
Welcome to the exciting and sometimes complex world of real estate in Australia! If you are on the cusp of purchasing your first home, you've probably heard about stamp duty. But what exactly is it? Stamp duty is a form of tax imposed by Australian states and territories on property transactions. This tax is usually a percentage of the property purchase price or market value and is a legal requirement for most property sales. - read more
Australia’s mortgage market is still showing resilience, but the latest banking indicators point to a household sector that has less room for error than it did during the ultra-low-rate years. APRA’s recent lending and asset quality data suggests that arrears remain an important signal to watch, particularly as higher repayment commitments continue to work through household budgets. - read more
Australian home buyers are facing a familiar but important shift: even when interest rates appear steadier, larger property prices can still push borrowing plans back under pressure. Recent housing finance and property market reporting points to buyers taking on bigger loan commitments as values strengthen across parts of the country, particularly in markets where supply remains tight and competition for quality homes is still firm. - read more
First-home buyers are getting a fresh reason to revisit their purchase plans, with recent housing finance commentary pointing to stronger interest in low-deposit purchases under the expanded federal Home Guarantee Scheme. The broader settings are designed to help eligible buyers enter the market with a smaller deposit and without paying lenders mortgage insurance, which can otherwise add a substantial cost to buying with less than a standard deposit. - read more
Australia's housing market is showing renewed signs of momentum, and that matters for anyone preparing to buy or upgrade. Recent property market reporting suggests values are firming across several capitals after a patchier period, with buyer demand, limited listings and expectations around future interest rates all playing a role. For households who were hoping that earlier winter softness would create more room to negotiate, the latest shift is a reminder that affordability can change quickly. - read more
Australia’s mortgage market has moved into another watch-and-wait phase after the Reserve Bank of Australia kept the cash rate unchanged at its latest meeting. For borrowers, the decision offers a welcome period of stability, but it should not be mistaken for a signal that home loan costs are now locked in place. - read more
