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Home Loans Australia
Home loan comparison and broker-matching resource
Home Loans Australia :: Home

Compare Home Loans & Explore Competitive Rates

Home Loans Australia provides a free broker-matching service to help you compare home loans by connecting you with mortgage brokers, banks and non-bank lenders from our national referral panel.

Connect with a licensed home loan specialist to compare competitive options.

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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:
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
download it free

Comparison results are from participating brokers linked to our referral service and do not represent all lenders or products in the market. 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. connect you with a licensed mortgage broker who can present Australian home loan options from lenders they work with, tailored to 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 you'll be contacted with home loan options from licensed mortgage brokers on our referral panel. No charge from us, no obligation to proceed – if you decide to go ahead, your chosen broker or lender will explain any fees that may apply.
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 enquiry is sent to a licensed mortgage broker from our referral panel. That broker will review your details and may use the latest product research and technology to tailor recommendations and product comparisons appropriate to your personal circumstances. These recommendations are provided by the broker, not by Home Loans Australia.
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 get an indication of how much you may be able to borrow now so that, when you are ready to go real estate shopping, you can do so with a clearer idea of your borrowing capacity. Any formal pre-approval would be arranged directly with a lender via your chosen broker.
Just complete our simple home loan eligibility application form and a fully qualified, professional mortgage consultant from our broker referral panel will discuss 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 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
Exploring Different Refinancing Strategies to Ease Your Mortgage Stress
Exploring Different Refinancing Strategies to Ease Your Mortgage Stress
When it comes to managing finances, one of the biggest stressors for homeowners is their mortgage. In Australia, many individuals and families struggle with mortgage stress, which can have a significant impact on their overall financial well-being. - read more
Planning for a Better Future: Exploring Refinancing Options for Aussie Homeowners
Planning for a Better Future: Exploring Refinancing Options for Aussie Homeowners
As a homeowner in Australia, it is essential to stay informed about the current mortgage interest rate and inflation situation. This knowledge is crucial for effective financial planning and making informed decisions regarding your home loan. Understanding the impact of rising interest rates on Australian homeowners is particularly important. - 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
Interest Rates and Investment Properties: What Aussie Investors Need to Know
Interest Rates and Investment Properties: What Aussie Investors Need to Know
For potential and seasoned investors alike, the Australian property landscape offers a plethora of opportunities. Investment properties have long been a favored asset class in Australia due to the potential for capital growth and rental yield. However, diving into the property market without a solid understanding of the financial mechanics, specifically interest rates, can be akin to sailing without a compass. - read more

Finance News

Australian Banks Raise Fixed Home Loan Rates in Anticipation of RBA Decision
Australian Banks Raise Fixed Home Loan Rates in Anticipation of RBA Decision
04 Feb 2026: Paige Estritori
In the lead-up to the Reserve Bank of Australia's (RBA) first monetary policy meeting of 2026, major Australian banks have proactively increased their fixed home loan interest rates. This preemptive move reflects expectations of a potential cash rate hike by the RBA, aiming to curb persistent inflationary pressures. - read more
APRA Imposes New Cap on High Debt-to-Income Home Loans
APRA Imposes New Cap on High Debt-to-Income Home Loans
04 Feb 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at enhancing financial stability within the housing market. Effective February 1, 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. - read more
Australian Mortgage Market Reaches Record High Amidst Surging Property Prices
Australian Mortgage Market Reaches Record High Amidst Surging Property Prices
04 Feb 2026: Paige Estritori
In November 2025, Australia's mortgage market achieved a new milestone, with the total value of residential mortgages reaching $2.41 trillion. This record-breaking figure reflects a 0.67% increase from the previous month and a 6.36% rise over the past year, as reported by the Australian Prudential Regulation Authority (APRA). - read more
Australian Mortgage Market Reaches Record $2.41 Trillion Amid Rising Property Prices
Australian Mortgage Market Reaches Record $2.41 Trillion Amid Rising Property Prices
11 Jan 2026: Paige Estritori
In November 2025, Australia's residential mortgage market achieved a new milestone, with authorised deposit-taking institutions (ADIs) collectively holding $2.41 trillion in home loans. This represents a 0.67% increase over the month and a 6.36% rise over the preceding year, as reported by the Australian Prudential Regulation Authority (APRA). - read more
APRA Implements Cap on High Debt-to-Income Home Loans to Safeguard Financial Stability
APRA Implements Cap on High Debt-to-Income Home Loans to Safeguard Financial Stability
11 Jan 2026: 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
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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
download it free

Knowledgebase
Guarantor:
A party who agrees to be responsible for the payment of another party's debts should the original party fail to pay or perform according to a contract.


This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.
IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.