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home-loans-australia.com.au

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Whether you’d like to explore Home Loans Australia options, check your eligibility, or learn more about our referral services, we’re here to assist. You can start your enquiry online and connect directly with a licensed professional suited to your needs.

We also value your feedback and suggestions — they help us continually improve the Home Loans Australia experience and ensure our services meet the needs of our users.

For general questions, compliments, or complaints not related to a quote, please use our online contact form so we can direct your enquiry to the appropriate department promptly.

Contact Details

Mailing Address:
PO Box 1183
Palm Beach, Queensland, Australia 4221

Office Location:
43 Larch Street
Tallebudgera, Queensland, Australia 4228

Complaints Handling

If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:

For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):

Privacy and Information Handling

Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.

Licensing and Regulatory Information

This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.

Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).

For more information about licensing and regulatory matters, please visit the ASIC website.

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Home Loans Articles

Unlocking the Hidden Value of Your Mortgage Offset Account
Unlocking the Hidden Value of Your Mortgage Offset Account
A mortgage offset account is a financial product that allows homeowners to use their savings to reduce the interest charged on their mortgage. It is a transaction account linked to your mortgage, and the balance in this account is offset against your outstanding mortgage balance when calculating interest charges. - read more
Understanding Loan Calculators: A Guide For Australian Homebuyers
Understanding Loan Calculators: A Guide For Australian Homebuyers
Welcome to this essential guide designed for Australian homebuyers who aspire to navigate the complex world of property financing. Due to the significant financial commitment involved in purchasing a home, understanding the nuances of mortgage calculations is imperative. Loan calculators are indispensable tools that offer valuable insights into the feasibility of a home loan, tailored to your personal economic circumstances. - 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
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
Home Loan Refinancing: What You Need to Know
Home Loan Refinancing: What You Need to Know
Welcome to our comprehensive guide on home loan refinancing. Whether you're a first-time homeowner or a seasoned property investor, understanding the ins and outs of refinancing can save you a significant amount of money and anxiety. - read more

Finance News

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know
18 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
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
Commonwealth Bank Raises Alarm on Unsustainable Home Loan Demand
18 Dec 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
Australian Home Prices Reach New Heights: Navigating the Affordability Challenge
Australian Home Prices Reach New Heights: Navigating the Affordability Challenge
18 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
Australia's Housing Market Approaches $12 Trillion Milestone
Australia's Housing Market Approaches $12 Trillion Milestone
10 Dec 2025: Paige Estritori
Australia's residential property market is on the brink of reaching a historic valuation of $12 trillion, marking a significant milestone in the nation's real estate sector. Recent data from the Australian Bureau of Statistics (ABS) indicates that the total value of Australia's 11.41 million homes increased by 2.7% in the September quarter, adding $317 billion to the market's worth. This surge brings the average price of residential dwellings to $1,045,400, reflecting the robust growth in property values across the country. - read more
Australian Property Borrowing Hits Record $98 Billion in Q3 2025
Australian Property Borrowing Hits Record $98 Billion in Q3 2025
10 Dec 2025: Paige Estritori
In the third quarter of 2025, Australian property buyers borrowed an unprecedented $98 billion, marking a significant surge in housing finance. This substantial increase, primarily driven by investors, has raised concerns among economists about potential regulatory interventions to curb the rapid growth. - read more

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"Mastering Home Loans: Navigating the Australian Mortgage Market"

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Knowledgebase
Mutual Fund:
An investment vehicle made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments, and other assets.