Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.

When looking at different Home Loan Options, it's important to understand some of the key loan attributes:

Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

Getting a Home Loan

Step 1: Let’s Chat

Your journey starts with a friendly (but thorough) conversation. Whether you’re buying your first home, refinancing or investing in property, we’ll get to know your goals, your finances and what matters most to you. From there, we explore your borrowing power and loan options from a panel of over 30 lenders across Australia. We’ll also talk about key things like interest rates, loan-to-value ratios (LVR), and whether lenders mortgage insurance (LMI) might apply.

Step 2: Know Your Numbers

Next, we take a close look at your financial position. Things like income, expenses, savings, debts and credit history. This helps us work out your borrowing capacity and what your loan repayments might look like. We’ll also check if you’re eligible for government support like the First Home Owner Grant or stamp duty concessions.

Step 3: Find the Right Fit

Now the fun part! Finding a home loan that fits like a glove. Whether you’re after a fixed rate, variable loan or one with an offset account or redraw facilities, we’ll tailor options to suit your lifestyle and goals. We compare features, explain the pros and cons in plain English and help you feel confident in your decision.

Step 4: Get Pre-Approved

Pre-approval gives you a clear budget and stronger negotiating power when house hunting. We’ll help you get everything in order like payslips, tax returns, bank statements etc so your chosen lender can give the green light faster. It means you’re ready to make a serious offer when the right property comes along.

Step 5: Submit & Sit Back

Once you’ve picked a loan, we handle the application from start to finish. We liaise with the lender, answer their questions, and ensure all documents are spot on. Our job is to make the process as streamlined as possible so you can focus on the exciting stuff.

Step 6: Approval & Settlement

Loan approved! We’ll help review the agreement, explain your repayments and fees and can assist to line up any insurance you might need. Then comes settlement day when everything’s signed, sealed and your new home or investment property officially becomes yours.

Step 7: Here for the Long Haul

We don’t disappear after settlement. Whether you’re wondering about refinancing, planning your next property move or just have questions down the track, we’re only a phone call away. Mortgage Lane is here to guide you from here to home and beyond.

Book Appointment

Our Latest Reviews

Max H

Chandelle helped me figure out how much I can afford to borrow and explained a lot of finance stuff in a way that made sense. I was expecting the whole process to be difficult but the only hard part was finding all my paperwork and documents! After that, she actually made it feel easy. I'm now pre-approved and excited about buying my first home!

Joanna

Im so pleased to have been recommended to Chandelle by a mutual friend, she listened to me and offered me advice which actually talked me out of buying a property that turns out was not suitable for me. I don't know that many super honest people who puts others interests before their own, but that was certainly the case here. Whilst I havent yet bought, I will 100% be going back to see Chandelle because she has proven to be a genuine, caring and smart girl. Thanks Chandelle!

We work with Australia's biggest lenders

Frequently Asked Questions

What’s pre-approval, and why does everyone talk about it?

Pre-approval is your golden ticket, it shows sellers and agents that you’re serious (and ready).
At Mortgage Lane, we help you get pre-approved quickly so when the perfect place pops up, you're ready to take action!

What extra costs should I know about?

Good question, because it's not just the deposit!
There’s stamp duty, legal fees, maybe a valuation fee, and a few other bits and pieces.
We’ll lay it all out for you in plain English, with no scary surprises along the way.

How much deposit do I need?

In most cases, you’ll need somewhere between 2% and 20% of the property price.
Bigger deposit? Great! It can help you avoid extra fees like LMI.
Smaller deposit? No stress, we’ll work through the smartest options together to get you on the road.

How much time will it take?

Short answer: Thankfully - very little of your time!
Long answer: Pre-approval can be a few hours to a few days and full approval usually occurs within 1–2 weeks (depending on the lender, loan conditions and paperwork).
The important part is that we do the heavy lifting, nudging (or pushing) lenders to keep things moving and keep you updated so you’re never left wondering what’s next.

What documents do I need to get started?

Think of it like a speed dating 'get-to-know-you' event: ID, payslips, tax returns, bank statements, details of debts and savings.
We’ll send you an easy step-by-step list so you know exactly what’s needed - and we’re always here to help if you get stuck.

What is Lenders Mortgage Insurance (LMI), and do I need it?

LMI protects the bank, not you. (Annoying, we know.)
It usually kicks in if you have less than a 20% deposit.
We’ll show you how it works, when you can avoid it, and what creative strategies we can use to save you money where possible.

How much can I borrow?

Think of it like shopping with a set budget - your borrowing power depends on your income, expenses, and a few other things like existing loans.
At Mortgage Lane, we crunch the numbers early, so you know exactly what you can comfortably afford before you even start scrolling through dream homes.

Why use a mortgage broker instead of going straight to a bank?

Because a bank can only tell you about their products.
We provide you with access to a broad network of lenders and loan solutions finding the best lender and loan for your needs, not theirs.
Plus, we take the pressure off and advocate for you every step of the way. And our service comes at no cost to you!

What happens after I’m approved?

That’s when the real fun begins!
You’ll move through to settlement (we’ll guide you through it), and before you know it, keys in hand, dreams unlocked.
And we’ll still be right here, checking in, helping with future questions, and making sure you always feel supported beyond settlement.

Have a question we didn’t cover? Reach out anytime, your journey is personal and we're always happy to help.

What’s the difference between fixed and variable rates

Fixed rate = same repayments, no surprises.
Variable rate = repayments can move up or down with the market.
Which one's better? It depends on what you value more - certainty or flexibility.
We’ll help you figure out what feels right for your journey (and your nerves).

Mudgee, NSW

0450 901 478

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The Trustee for CJL Family Trust ABN: 36 704 139 887. Credit Representative #569174 is authorised under Australian Credit License #389328

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. This testimonial was given by our customers. They are individual experiences of our customers that have used our service. Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Calculators are illustrative only and calculated based on the accuracy of the information entered by you. They are not a guarantee of an offer or acceptance of loan eligibility.

At Mortgage Lane, we're Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options