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Home Loan Services

A home loan is money borrowed against a property to buy, build or refinance it, repaid with interest over up to 30 years. The right one depends on your deposit, income type, purpose and how long you plan to hold the property — not only the advertised rate. Below are every home lending scenario we arrange, so you can find the page that matches your situation and read exactly how lenders assess it.

Which home loan page do you need?

Buying your first property → First Home Buyers, Low Deposit, Guarantor and Pre-Approval
Already own and want a better deal → Refinance, Home Loan Health Check, Debt Consolidation
Building or renovating → Construction, House & Land, Renovation, Bridging
Income that isn't a simple payslip → Self-Employed, Low Doc, FIFO, Parental Leave
Life change → Separation, Buying Out a Partner, Equity Release
Credit or lender complications → Complex Home Loans, Non-Bank Lenders

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Refinance Home Loans

Refinancing means replacing your current home loan with a new one — with your existing lender or a new one — to get a lower rate, change the structure, release equity or consolidate debt. It is worth doing when the interest saving, cashback or structural change outweighs discharge fees, new-loan costs and the time involved. A broker compares your loan against the panel, checks whether your current lender will match, and manages the switch end to end.This page is for people researching refinance home loans and related options such as home loan refinance, refinance mortgage, mortgage refinance Australia. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Debt Consolidation Home Loan Guide

A debt consolidation home loan refinances your mortgage and rolls credit cards, personal loans, car loans or tax debt into it, so you have one repayment at home-loan rates instead of several at 10–25%. It only works in your favour if the consolidated debt is paid off over a short split (3–7 years) rather than stretched across 30 years, and if the spending that created the debt has stopped.This page is for people researching debt consolidation home loan and related options such as consolidate debt into mortgage, home loan debt consolidation, debt consolidation mortgage. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

First Home Buyer Loans

A first home buyer loan is a standard home loan combined with the concessions available to first-time purchasers: a 5% deposit under the federal Home Guarantee Scheme with no Lenders Mortgage Insurance (LMI), state first home owner grants and stamp duty concessions, and lender policies that accept genuine savings, gifts or a family guarantee as deposit. A broker's job is to work out which combination gets you into a home sooner without over-stretching the repayments.This page is for people researching first home buyer loans and related options such as first home buyer home loan, first home mortgage broker, first home buyer pre approval. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Construction Loans

A construction loan funds a new build or major renovation in stages: the lender approves the total (land plus fixed-price building contract), releases money to the builder at each progress payment — slab, frame, lock-up, fixing, completion — and you pay interest only on what has been drawn. Approval depends on the land, the builder's contract and your ability to service the full amount, and the loan usually converts to a standard home loan once the final inspection is done.This page is for people researching construction loans and related options such as construction home loan, building loan, construction finance. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

House & Land Package Loans

House & Land Package Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching house and land package loans and related options such as house and land finance, new build home loan, land and construction loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Renovation Loans

Renovation Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching renovation loans and related options such as home renovation loan, renovation finance, finance home improvements. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Bridging Loans

Bridging Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching bridging loans and related options such as bridging finance, bridging home loan, buy before sell home loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Separation / Divorce Home Loans

Separation / Divorce Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching separation home loans and related options such as divorce refinance mortgage, home loan after separation, refinance after divorce. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Buying Out an Ex-Partner

Buying Out an Ex-Partner can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching buy out ex partner home loan and related options such as buy ex out of house, refinance to buy out ex, mortgage buyout after separation. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Guarantor Home Loans

A guarantor home loan uses equity in a family member's property — usually a parent — as additional security so you can buy with little or no deposit and avoid Lenders Mortgage Insurance. The guarantee is limited (typically to 20% of the purchase price plus costs) and can be released once your loan falls below 80% of the property's value, often within 2–5 years. Serviceability is still assessed on your income alone; the guarantor provides security, not repayments.This page is for people researching guarantor home loans and related options such as family guarantor home loan, parent guarantor home loan, family guarantee mortgage. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Low Deposit Home Loans

Low Deposit Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching low deposit home loans and related options such as 5 percent deposit home loan, 10 percent deposit home loan, small deposit mortgage. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Self-Employed Home Loans

Self-employed home loans are standard home loans assessed on business income rather than payslips. Most lenders want two years of tax returns and notices of assessment (some accept one), then add back depreciation, one-off expenses and interest on debts being refinanced. If your accounts don't yet reflect your true income, low doc / alt doc loans use BAS, bank statements or an accountant's letter instead. A broker's value is knowing which lender reads your financials most favourably.This page is for people researching self employed home loans and related options such as home loan for business owners, company director home loan, self employed mortgage. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Low Doc / Alt Doc Home Loans

A low doc (alt doc) home loan lets self-employed borrowers verify income without full tax returns — typically with 6–12 months of BAS, 3–6 months of business bank statements, or a signed accountant's declaration. They are offered mainly by non-bank and specialist lenders, cost roughly 0.5–2% more than full-doc loans, and are usually capped at 80% LVR. The strategy is normally to use alt doc to get in and refinance to full doc once your returns catch up.This page is for people researching low doc home loans and related options such as alt doc home loans, alternative documentation mortgage, BAS home loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

FIFO Home Loans

FIFO Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching FIFO home loans and related options such as mining worker home loan, FIFO mortgage broker, home loan overtime income. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Maternity / Parental Leave Home Loans

Maternity / Parental Leave Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching maternity leave home loan and related options such as parental leave home loan, mortgage while on maternity leave, home loan return to work income. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Home Loan Pre-Approval

Home loan pre-approval (conditional approval) is a lender's written indication of how much it is prepared to lend you, based on a full credit assessment of your income, expenses, debts and credit file — before you have found a property. A genuine pre-approval usually lasts 90 days, gives you a realistic price range and lets you negotiate or bid with confidence. It remains conditional on the property valuation and your circumstances not changing.This page is for people researching home loan pre approval and related options such as mortgage pre approval, pre approval home loan Australia, first home buyer pre approval. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Complex Home Loans

Complex Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching complex home loans and related options such as specialist mortgage broker, complex mortgage, home loan declined bank. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Non-Bank Home Loans

Non-Bank Home Loans can be an important part of a broader borrowing strategy. At Derwent Finance, we help Australian borrowers understand their options, compare suitable lenders from our panel and structure finance around the outcome they are trying to achieve — not simply around a headline rate.This page is for people researching non bank home loans and related options such as non bank mortgage lenders, specialist home loans, alternative lender home loan. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

Home Loan Health Check

A home loan health check is a free review of your existing mortgage — rate, balance, remaining term, repayment type, loan features and current property value — to tell you whether you are still on a competitive deal, whether your own lender will reprice, or whether switching is worth the effort. Enter your loan details and a broker compares it against 45+ lenders the same business day, with no credit check and no obligation.This page is for people researching home loan review and related options such as mortgage review, home loan rate review, check home loan rate. It explains how this type of finance generally works, who it may suit, the issues that can affect lender approval, common scenarios and the steps involved from initial review through to settlement or funding.Every application is assessed on its own facts. Property or asset value, income, expenses, existing debts, credit conduct, entity structure and lender policy can all change the outcome. The information below is general and is designed to help you ask better questions before choosing a lender or loan structure.

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