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Simple Easy Finance – Sydney mortgage broker helping buyers, investors, and homeowners find the right home loan or refinance with ease. Fast and Reliable Home Loan Services You Can Trust — Every Step of the Way 5.0 Stars Rating from 440+ Google Reviews 1300 103 998 Book Your Free Consultation No Obligations. Secure, Simple and Fast Process 98.8% APPROVAL RATE 24 Hrs OPTIONS FOUND 6 Mth REVIEW GUARANTEE 40+ LENDERS COMPARED Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Stay Ahead with Our Ongoing Home Loan Review Service With Simple Easy Finance, your peace of mind lasts well beyond settlement. We manage your home loan for life—reviewing it regularly to ensure it stays competitive and perfectly suited to your needs. Guaranteed Six-Monthly Review Ongoing Home Loan Rate Check: Every six months, we review your home loan and compare it against 40+ lenders to ensure you’re always getting a competitive interest rate. Smarter Savings: We identify opportunities to reduce your interest costs and help you pay off your home loan faster — keeping more money in your pocket. Lasting Peace of Mind: We take the stress out of managing your biggest financial commitment, ensuring your loan stays competitive and suited to your needs, year after year. Stress-Free Home Loans with Expert Guidance Every Step of the Way Our simple home loan process makes buying or refinancing your home easy and stress-free. 1. We Understand Your Goals It all starts with a quick 20-minute call to discuss your needs, goals and what you wish to achieve with your next home or investment. 2. We Find the Right Home Loan Within a few days, we'll present tailored loan options that suit your situation- along with advice to help you choose with confidence. 3. We Handle the Rest From application to approval and ongoing six monthly reviews, we take care of everything to ensure you are always on the best deal. Speak to a Home Loan Expert Compare 40+ Leading Banks and Lenders for the Best Home Loan Rates We partner with over 40 lenders to find the right home loan tailored to your needs and financial goals. Reviews From Our Happy Clients Find out why our clients love the Simple Easy Finance experience and confidently refer us to friends and family. Talk to a Home Loan Specialist Today and Find the Best Mortgage for You. Schedule a free, no-obligation consultation to see how we can simplify your home loan experience. 1300 103 998 Book Your Free Consultation

The 2026 property market is shifting. Explore the 10 key trends and what they mean for your next move in property. What’s Really Happening in the Australian Property Market in 2026? Published 8 April 2026 The property market is shifting as we move through 2026. Price growth is slowing, affordability remains stretched, and buyer behaviour is changing. Whether you’re buying your first home, investing, or reviewing your current loan, understanding these trends can help you make smarter decisions. We’ve broken down the 10 key trends shaping the Australian property market, based on insights from Cotality’s Q1 2026 Housing Update — and what they mean for you. Trend 1: Price growth is slowing After a strong run in 2025, the market is entering a more balanced phase. Growth is easing, affordability is tightening, and conditions vary across regions. Sydney & Melbourne : Prices have largely plateaued since late 2025. Brisbane & Adelaide : Still growing, but momentum is slowing. Perth : Continuing strong growth, driven by limited supply. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Trend 2: Demand is shifting to more affordable properties Demand hasn’t disappeared — it’s evolving. We’re seeing a clear shift toward more affordable properties, with lower price segments recording stronger growth. This is being driven by a surge in activity from first home buyers taking advantage of government schemes, alongside investors re-entering the market. As shown in the graphs below, properties below the price caps are leading the market, with growth significantly outpacing those above the caps across both regional and capital cities. Trend 3: Regional markets are outperforming Regional areas continue to lead growth, driven by affordability and lifestyle appeal. Many regional markets — particularly in Western Australia and Queensland — are recording strong growth, with some areas achieving double-digit gains. Trend 4: First home buyer activity is rising First home buyer activity has picked up noticeably, particularly following the expansion of the 5% deposit guarantee scheme in late 2025. This led to a strong increase in first home buyer lending, as more buyers were able to enter the market with smaller deposits. In fact, around 45% of first home buyers are now purchasing with deposits of 10% or less, highlighting a clear shift toward lower-deposit lending. As affordability remains a challenge, most first home buyers are focusing on more affordable properties, which is driving up demand and price growth in the lower end of the market. Trend 5: Investor activity remains strong Investor activity continues to be a key driver in the market, now accounting for roughly 40% of new lending — a clear sign of renewed confidence despite higher interest rates. Rather than chasing high-end capital growth, investors are taking a more strategic approach, focusing on affordability and yield. Key target areas include: Lower-to-mid price brackets Properties within or near government scheme price caps Locations offering stronger rental returns This strategy closely overlaps with first home buyer activity, increasing competition across the same price segments and placing upward pressure on more affordable properties. Trend 6: Affordability remains stretched Affordability continues to be one of the biggest challenges in today’s market. Property prices relative to income remain near record highs, with around 45.9% of household income now required to service a new mortgage. This is being driven by a combination of elevated property values and higher interest rates, which have significantly reduced borrowing capacity compared to previous years. Trend 7: Mortgage arrears remain low (for now) Despite the sharp rise in interest rates over the past cycle, mortgage arrears remain relatively low at around 1.5%, indicating that most borrowers are still managing their repayments. Several factors have helped support this resilience: Strong employment conditions and income stability Borrowers building buffers during the low-rate period Lenders proactively offering hardship support and repayment solutions However, ongoing cost-of-living pressures, combined with higher mortgage repayments, are starting to place increased strain on households. Trend 8: Rental market remains tight Rents are rising again, increasing by approximately 5–6% annually, with many households now spending close to one-third of their income on rent. Vacancy rates remain tight at around 1.5% nationally, well below long-term averages, reflecting an ongoing shortage of available rental stock. As a result, competition for rentals remains high, placing continued upward pressure on rents. At the same time, stronger rental returns are improving yields, helping to support ongoing investor demand even in a higher interest rate environment. Trend 9: Total advertised stock levels vary significantly across Australia The flow of fresh listings has increased in most major cities compared with the same time last year, particularly in Sydney and Melbourne, where current activity is above the five-year average. In contrast, Perth has experienced a decline in stock levels, down 8.6% year-on-year. This tighter supply has contributed to an uplift in property prices in Perth. Trend 10: Consumer confidence has dropped Consumer sentiment has fallen to record lows, reflecting concerns around rising interest rates, inflation, and the cost of living. Historically, weaker confidence tends to slow housing activity, as buyers become more cautious and delay purchases. While this may temporarily reduce demand, it also presents opportunities for informed buyers and investors who are prepared to act strategically in attractive markets. The market isn’t crashing — it’s changing. Opportunities still exist, but they now depend on: The right strategy The right timing The right structure Whether you’re buying, refinancing, or investing, having a clear plan has never been more important. Book a meeting with our expert team to review your financial position and explore your options. Speak with a home loan expert Facebook X (Twitter) WhatsApp Copy link ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Sydney based finance and mortgage broking firm located in CBD and Ryde specialising in finance for first home buyers, property investors and people looking to refinance their existing loans. Experts in Home Loans and Refinance We're a trusted mortgage brokerage in Sydney known for our expertise in providing excellent customer service and making the home loan process easy! What sets us apart is our exceptional post-service care. Our team will review your home loan every 6 month and contact your bank on your behalf to ensure you are always on the best deal. Speak to a Home Loan Expert Trusted and Recognised by Industry Experts Recognised as an award-winning Sydney mortgage broker and MPA Top Broker, helping Australians secure better home loan solutions Our Simple and Easy Home Loan Process ABOUT OUR SERVICE Negotiate offers from 40+ lenders We do not charge a fee for our service 0 $ 40 + 98 Application approval rate 6 months Half yearly reviews to help you save %

< Back The best home loan type for your needs There are 5 main types of home loans. We will run through the pros and cons of each type of loan to help you understand the best home loan for your needs. 1. Fixed rate home loan A fixed home loan offers an interest rate that is fixed for a set period of time – usually 1, 3 or 5 or 10 years. The key benefit is the ability to budget, knowing exactly how much your repayments will cost each time. However, a fixed loan doesn’t have the same flexibility as other loans – you will encounter restrictions if you want to make additional repayments, such as fees or capping to a low amount. You might also be disappointed if interest rates drop dramatically and you are still paying the same fixed rate. This is a good option if you want to make steady regular payments and you intend to stay in your current home throughout the term of the loan. It is not such a good option for someone who wants to move to another property in the foreseeable future, or who wants to cut down on the term of their loan. 2. Variable rate home loan A variable home loan is far more versatile, with the option of making extra payments at no extra cost, enabling you to pay the loan off sooner. Your loan might also offer unlimited redraws, so you can access money in an emergency. Another positive feature is the offset account, a transaction account linked to your mortgage account which reduces your interest payable. This is a good option if you want to invest the maximum into your mortgage, with the freedom to redraw in an emergency. However, as the interest rates will vary from payment to payment, it is not such a good option if you struggle to budget for unpredictable changes in the loan repayments. 3. Split loan The split loan offers the advantages of both fixed and variable loans. You can split your loan into any proportion you wish – 50/50 or 80/20. One of the benefits of the split loan is that payments will gradually decrease, as the steady fixed rate payments lower the amount of the loan, so that the variable payment is proportionally lower at times when interest rates rise. 4. Interest only loan With an interest only loan, you pay only the interest on the loan for the initial term, usually from one to five years. Your monthly repayments are considerably lower, although this is because you are not reducing the principal of the loan. At the end of the interest only term, your repayments will rise as you must start paying both interest and principal. This can end up being an extremely expensive option if you are not sure what you are doing. However, investors tend to choose interest only loans, as they can take advantage of low repayments over a set period, before they resell the investment property. 5. Low Doc The low doc loan has lower requirements for proof of income and credit rating, yet they also require a higher deposit and charge higher interest rates. For someone with a unstable credit history or employment background, the low doc loan will be difficult to pay off. While this option can be popular with self-employed people, who don’t have the same level of documentation to prove their income, the excessively high interest rate generally makes it a bad long term choice. If this is your only option for a loan, your best alternative might be to wait until you can be approved for a different type of loan. Previous Next

Top Sydney Mortgage Broker for home loans & refinancing. Helping first home buyers, investors, and homeowners find the perfect loan. We'll Find The Ideal Home Loan For You We have helped hundreds of Aussies buy their first home, invest in property and save. Whatever your situation, speak to our expert team for the best advice. Speak to an expert Compare options from 40+ lenders Award winning brokerage with 400+ 5 star Google Reviews. We do not charge a fee for our service Award Winning Team With 400+ 5 Star Google Reviews EXPERTISE Our team of skilled mortgage brokers includes property owners and investors. They will guide you through the entire process and help you find the right home loan solution to meet your long-term property goals. 40+ LENDERS We will find and negotiate the best rates from our panel of 40+ lenders, and review hundreds of loan options to secure the best deal for you. FAST SERVICE We've simplified the home loan process to ensure we do all the heavy lifting. Our team will create, manage, and fast-track your application to approval, taking it all the way to settlement. AFTER CARE We're dedicated to ensuring our clients consistently secure the best deals available. Every six months, we take proactive steps by reaching out to your lender on your behalf to request interest discounts. Get in touch Fast and Reliable Service 01 Understand Your Needs During the initial 20-minute call with our expert mortgage broker, we will discuss your needs and future goals. 02 Reviewing Your Options Within 2-3 days, we'll send you the recommended options and provide answers to any questions you may have. 03 Home Loan Approval Once you provide us with the go-ahead, we'll prepare your application and oversee the entire process with the lender. 04 Ongoing Support and Review Every six months, we will review your home loan rates and request discounts from your lender. Our aim is to ensure you're always on the best possible deal. Get in touch Win 3 x $500 Every Quarter! Join Our Rewards Program Learn More Home Buying Made Simple How Much Will Banks Lend to you? Home Loan Pre-approval Your total budget consists of your initial deposit and the amount the bank is willing to lend you. As a general guideline to avoid Lenders Mortgage Insurance (LMI), it's advisable to have a 20% deposit. There are ways around this and we can discuss your options. As your mortgage broker will work with you and the bank to obtain a home loan pre-approval. A pre-approval will give you a good guideline on how much you can borrow from the bank. Home loan pre approval is a valid for 3-6 months. Organise a pre-approval Let's Get Started- How Can We Help? I Want to Buy a Property Refinance My Home Loan

< Back This is a Title 01 This is placeholder text. To change this content, double-click on the element and click Change Content. This is placeholder text. To change this content, double-click on the element and click Change Content. Want to view and manage all your collections? Click on the Content Manager button in the Add panel on the left. Here, you can make changes to your content, add new fields, create dynamic pages and more. You can create as many collections as you need. Your collection is already set up for you with fields and content. Add your own, or import content from a CSV file. Add fields for any type of content you want to display, such as rich text, images, videos and more. You can also collect and store information from your site visitors using input elements like custom forms and fields. Be sure to click Sync after making changes in a collection, so visitors can see your newest content on your live site. Preview your site to check that all your elements are displaying content from the right collection fields. Previous Next

We help property investors put the right loan structure in place to unlock equity, reduce interests and increase borrowing capacity. Expert Home Loan Solutions for Property Investors Speak to a Home Loan Expert Grow your portfolio with smart finance strategies. Unlock equity from your existing properties to fund your next investment and boost your borrowing power. Take advantage of tailored lending for SMSF and Trust structures, with expert guidance on compliance and lender requirements. Stay on top of your investments with regular portfolio reviews, and property health assessments — keeping your portfolio performing at its best. 5.0 ( 400+ Google Reviews ) Unlock Your Home Equity to Finance and Buy Your Next Investment Property Videos are for educational and entertainment purposes only, they are not to be considered as financial or investment advice. Expert Property Investment Guidance From Simple Easy Finance Maximise Your Investment Potential Identify opportunities to grow your property portfolio faster using strategic financing solutions. Access 40+ Lender Panel Compare multiple lenders to secure the best rates and loan structures for your investment goals. Expert Guidance Every Step We guide you through lender requirements, compliance, and loan structuring so you can make confident decisions. We Review Your Home Loan Every 6 Months Receive regular 6 monthly property health checks, and portfolio reviews to keep your investments performing at their best. 1300 103 998 Book Your Free Consultation Meet Sam Property Investor We Helped Him Overcome Funding Challenges and Unlock an Extra $200K for His Next Investment Property Sam needed $500K for his next investment, but his lender only offered $300K. After a thorough review with our expert team, we restructured his loans to secure a better rate and cashback, boosting his deposit and borrowing capacity. Then, we found a lender who provided the full $500K at a great rate. How Did We Do This With our extensive knowledge of the lending market, we identified which lenders’ policies were most favourable for Sam’s situation. Different lenders assess income and expenses differently, and these variations can unlock significant borrowing capacity—just like they did for Sam. A Year Later, Sam’s Success Continued: Sam’s investment property appreciated by $90K, and his income and rental returns improved as well. Staying true to our commitment to treat every portfolio as if it were our own, we helped him achieve his property investment goals and secured him the best deal across his property portfolio. Want to Unlock More Borrowing Power for Your Next Investment? Follow Sam’s lead—book an obligation-free call with our expert team today! Get in touch Investment Loan FAQs How can I use the equity in my existing property to fund a new investment? You can use the equity in your current home or investment property to help finance your next purchase. Equity is the difference between your property’s market value and the remaining loan balance. By releasing equity through a refinance or top-up loan, many investors borrow up to 80% LVR (sometimes higher depending on the lender) to access funds for their next purchase. This usable equity can then be applied towards the deposit for an investment property, transfer duty, legal costs, and other upfront expenses. It’s one of the most effective ways to grow a property portfolio without needing to save a large cash deposit. Example: If your property is worth $800,000 and your loan balance is $400,000, you have $400,000 in equity. At an 80% LVR, lenders may allow you to borrow up to $640,000. After paying out the existing loan, you could access approximately $240,000 in usable equity enough for a deposit and purchase costs on a new investment property. What is a “cash-out refinance,” and what can the funds be used for? A cash-out refinance allows you to replace your existing home loan with a new, higher-value mortgage and access the difference in cash. It’s one of the most common ways Australian homeowners and property investors unlock equity that has built up through capital growth. The released equity can be used for a wide range of purposes, including: • Buying an investment property** (using the funds as a deposit and covering upfront costs) • Renovating your current home or rental property** to increase rental income or property value • Debt consolidation**, combining high-interest debts into one lower-rate home loan • Funding major expenses**, such as upgrades, repairs, or portfolio-building strategies This makes a cash-out refinance a powerful tool for anyone looking to grow their property portfolio or improve cash flow using existing equity. What is the Debt-to-Income (DTI) ratio and how does it affect my borrowing capacity? The Debt-to-Income (DTI) ratio is a key measure lenders use to assess **home loan serviceability and determine how much you can borrow. Your DTI compares your total gross annual debt commitments — including home loans, personal loans, car finance, HECS/HELP debt and credit cards — against your gross annual income. A lower DTI score signals lower financial risk, which can increase your borrowing capacity and improve your chances of loan approval. A higher DTI indicates you are carrying more debt relative to your income, which may limit how much lenders are willing to offer. Most Australian lenders have strict DTI limits (often between 6 and 7), and they also stress-test your income against higher interest rates to ensure you can comfortably manage repayments over the long term. Understanding your DTI — and how lenders calculate it — is essential when planning a home loan or investment strategy, as it directly affects your borrowing power. Do lenders treat rental income differently when assessing an investment loan? Yes. Lenders use a conservative approach known as income shading when assessing an investment loan application. They typically only count a percentage of the gross rental income (e.g., 70% to 80%) to account for potential vacancy rates, property management fees, and other ongoing expenses. This is a crucial detail that affects your overall borrowing capacity and serviceability calculation. How does an offset account work and is it worthwhile on an investment loan? An offset account is a transactional bank account linked directly to your variable rate loan. The balance in this account is 'offset' against your loan principal when calculating interest. For example, if you owe $400,000 and have $50,000 in the offset account, you only pay interest on $350,000. This is highly valuable as it effectively reduces your interest payable while keeping your money liquid. Should I choose a fixed or variable interest rate for my investment loan? This is a key decision based on your risk appetite and financial outlook. A fixed rate loan provides repayment certainty for a set period, protecting you from rising interest rates, but often lacks flexible features like offset accounts and may incur break costs if you refinance early. A variable rate loan offers maximum flexibility (extra repayments, offset accounts) but exposes you to interest rate rises. Many seasoned investors use a split loan strategy (part fixed, part variable) to get the benefits of both. We can run your numbers to determine the best home loan option for your investment goals. What is pre-approval and should I get it before looking for an investment property? Pre-approval is a conditional loan approval from a lender based on an assessment of your financial position (income, expenses, debt). It provides an estimate of your maximum borrowing limit. Getting pre-approval is highly recommended as it gives you certainty on your budget, speeds up the process once you find a property, and demonstrates to agents and sellers that you are a serious and qualified buyer. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Reviews From Our Happy Clients See why our clients love working with us and recommend us with confidence. ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Guarantor Home Loans allow you to borrow up to 105% of your property value and pay no Lenders Mortgage Insurance. Guarantor Home Loans - Buy Your Home Sooner with Low Deposits Speak to a Home Loan Expert Borrow up to 105% with a guarantor home loan. Save money by not paying LMI premium. Get into the property market faster with a smaller deposit . Borrow Up to 105% of the Property Value 5.0 ( 400+ Google Reviews ) How Do Guarantor Home Loans Work? A guarantor home loan allows a family member—most commonly your parents—to use the equity in their property to help you buy your first home. This strategy can help you borrow up to 105% of the purchase price, covering your deposit, stamp duty and other upfront costs. With a guarantor structure: 80% of the loan is secured against the home you're buying The remaining 25% is secured against your guarantor’s property This can help you avoid LMI, boost borrowing power and enter the property market sooner. Speak to an expert Meet Matt Property Investor We Helped Him Secure 100% Investment Property Finance By Using His Parents As Guarantors. Matt recently reached a major milestone — purchasing his first investment property with 100% lending, thanks to a guarantor home loan using his parents’ property. His experience shows that entering the property market is achievable even when saving a large deposit feels impossible. Overcoming the Deposit Barrier Saving a 20% deposit is one of the biggest challenges for first-time investors. Like many, Matt had savings but not enough to meet traditional lending requirements. With expert guidance and the right loan structure, he was able to move ahead confidently without waiting years to save more. The Investment Property Matt found an investment opportunity valued at $400,000. He had saved $20,000, but still needed additional support to reach the required deposit. We helped structure a guarantor loan solution that allowed him to proceed without a full deposit. How the Guarantor Home Loan Worked To boost Matt’s borrowing power, we used his parents’ property — valued at $650,000 and fully unencumbered — as additional security. By leveraging their equity, we were able to secure lending up to 80% of their property value $520,000, which comfortably covered the cost of Matt’s investment property. Key Figures: Matt's Investment Property Value: $400,000 Guarantor Property Value: $650,000 Available Security (80%): $520,000 Amount Borrowed: $400,000 Matt’s own savings were then used to pay the remaining upfront costs, including stamp duty ($13,460) and legal fees ($5,000). Start Your Property Investment Journey If you’re planning to buy your first home or first investment property but are struggling with the deposit, a guarantor home loan may be the solution. Our expert mortgage advisers can help you explore your options and find the best strategy to achieve your property goals Speak to an expert Guarantor Home Loan FAQ How much can a guarantor help me borrow? A guarantor can help you: • Borrow up to 105% of the property price in some cases • Avoid paying LMI, saving thousands upfront • Increase your borrowing power to buy your home sooner What are the risks for the guarantor? Guarantors assume legal and financial responsibility if the borrower cannot meet repayments. Risks include: Liability for outstanding loan amounts Impact on their own borrowing capacity Potential legal action if repayments are missed We recommend professional financial advice before acting as a guarantor. How does LMI work with a guarantor loan? A guarantor can reduce or eliminate Lenders Mortgage Insurance (LMI), as the guarantor provides extra security. This can save borrowers thousands of dollars when purchasing a home in Sydney, Melbourne, Brisbane, or other major Australian cities. Can I use a guarantor for an investment property? Yes. Some lenders allow guarantor loans for investment properties, though the guarantor usually must use their own property as security. Policies vary by lender. How does a guarantor loan affect the guarantor’s credit? The guarantor’s credit may be affected if repayments are missed. Lenders report liability on the guarantor’s credit file, so it’s important both borrower and guarantor understand the risks fully. Can multiple guarantors be used? Yes. Multiple guarantors can split security, reducing individual risk while still helping the borrower access a higher loan amount. How long is a guarantor needed? Guarantors are typically required until the borrower has enough equity to remove them. Most lenders allow release once the loan-to-value ratio (LVR) drops below 80% or a certain equity threshold is reached. What property can a guarantor use? Guarantors can use: • Their own residential property • Sometimes investment properties (depending on the lender) Lenders may require a property valuation before approval. Are guarantor loans more expensive? Interest rates on guarantor loans are generally similar to standard home loans. Additional legal or valuation fees may apply, but the benefits of avoiding LMI usually outweigh these costs. Can a guarantor be released from the loan? Yes. Once the borrower has enough equity or reduces the LVR below the lender’s threshold, the guarantor can be removed, freeing them from liability. How does the guarantor loan application process work? 1. Review the borrower’s financial situation 2. Assess guarantor eligibility and security 3. Submit the loan application 4. Manage approval and property valuation 5. Settlement and loan setup At Simple Easy Finance, we make this process fast and stress-free. We guide both borrower and guarantor every step of the way. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Reviews From Our Happy Clients See why our clients love working with us and recommend us with confidence. ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

Low doc home loans for self-employed borrowers. Use BAS, bank statements or accountant letters to qualify. Flexible options for buying or refinancing. Fast, Flexible Low Doc Home Loans If you’re self-employed or don’t have the usual paperwork, getting a home loan can feel impossible. Low doc home loans make it easier by letting you verify income without full financials. Learn More About the Offer Fast 72 hour approval Refinance or consolidate with minimal documentation Competitive home and investment loan rates 5.0 ( 400+ Google Reviews ) Low-Doc Home Loans for Self-Employed Borrowers What Are Low-Doc Home Loans? Low-doc home loans are designed for borrowers who have strong income but can’t provide traditional documents like payslips or full tax returns. Instead, lenders accept alternative income evidence such as business bank statements, BAS statements, or an accountant’s declaration. How Low-Doc Home Loans Work? Instead of relying on standard financial documents, lenders use simplified income verification. You’ll provide alternative paperwork that reflects your earnings and complete an income declaration. This process suits people who have irregular income, recently started their ABN, or haven’t lodged their latest tax returns. Low-Doc Home Loans Are a Great For Self-employed borrowers and sole traders Contractors and freelancers Business owners with fluctuating or seasonal income Property investors who don’t have up-to-date statement Why Borrowers Choose Low-Doc Loans Less paperwork than standard home loans Faster assessment and approval time Acceptable income verification alternatives (BAS, bank statements, accountant letters) Suitable for new businesses or irregular income patterns Options available for purchase, refinance or debt consolidation 1300 103 998 Book Your Free Consultation Low-Doc Home Loans vs Standard Home Loans: Key Differences Low-Doc Home Loans Standard Home Loans Income Requirements Max LVR Interest rates Lenders Available Target borrowers Requires BAS, Bank Statements, Accountant’s Letter Up to 80% LVR Higher than standard loans Limited to specialist lenders People with limited documentation Full documentation (tax returns, financials) Up to 95% LVR , depending on the lender Similar to standard loans, pending risk assessment Widely available For those who can prove income over 1-2 years Low Doc Home Loan FAQs What documents do I need for a low doc loan? Typical documents include: • Business bank statements • BAS statements • Accountant’s income declaration • ABN and GST registration details • Asset and liability statements • Requirements vary by lender, but the process is simpler than a standard home loan. Can I get a low doc home loan with bad credit? Yes, some specialist lenders offer low doc home loans for borrowers with credit issues. You may face higher interest rates or lower LVR (loan-to-value ratio) limits, but approval is still possible depending on your income and security. How much can I borrow with a low doc home loan? Most lenders allow borrowing up to 80% LVR, though some may offer higher or lower limits depending on your income verification and credit history. Are interest rates higher on low doc home loans? Low doc home loan rates are generally higher than standard home loan rates because lenders take on more risk. However, specialist lenders often offer competitive options, especially for borrowers with strong repayment histories. Can I refinance a low doc home loan? Yes. Many borrowers refinance their low doc loans to access lower rates or better features once their financials are more complete. You can also refinance with low doc documents if standard financials are still unavailable. We work with a number of lenders offering great refinance options for low doc home loans at competitive rates. Speak to our expert team on offers in the market. What income proof do lenders accept for low doc loans? Accepted income verification typically includes: • BAS statements • Business bank statements • Accountant-prepared income declaration • Profit and loss statements These documents help lenders assess your business income without full tax returns. Is a low doc home loan suitable for new businesses? Yes. Borrowers with a newly registered ABN can still qualify, depending on the lender. Some require a minimum of 6–12 months ABN history, while others may consider shorter timeframes with strong supporting documents. How fast can a low doc home loan be approved? Low doc loans can be approved faster than standard loans because there’s less paperwork to assess. Some lenders offer conditional approval in 72 hours, depending on your documents. Can low doc loans be used for investment properties? Absolutely. Low doc loans are available for both owner-occupied and investment properties. Lenders may apply different interest rates or LVR limits for investment lending. Are low doc home loans safe? Yes. Low doc home loans are offered by reputable banks and specialist lenders regulated under Australian lending laws. They simply use alternative income verification to assess your borrowing capacity. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation ABOUT OUR SERVICE We do not charge a fee for our service 0 $ Negotiate offers from 40+ lenders 40 + % 98 Application approval rate 6 months Half yearly reviews to help you save

We help medical professionals secure a home loan with only 10% desposit. Contact us to see if you qualify for the 90% no LMI home loan package. Exclusive Home Loan Benefits for Nurses and Healthcare Workers Speak to a Home Loan Expert Save up to $30,000 in LMI cost* Access exclusive low interest rates for nurses and medical professionals Borrow up to 90% of the property value with no LMI payable Flexible home loan options for purchases, refinances and top-ups Fast, streamlined home loan approvals — and our service is completely free 5.0 ( 400+ Google Reviews ) Nurse Home Loans: Buy with a 10% Deposit and Pay No LMI How Nurses and Medical Professionals Can Save $30,000* on LMI Le nders Mortgage Insurance (LMI) protects lenders if a borrower is unable to repay their home loan. Typically, LMI is required when your loan-to-value ratio (LVR) is over 80%, meaning you’re borrowing more than 80% of the property’s value. However, qualified medical professionals can access a specialised nurse and healthcare home loan package, allowing you to borrow up to 90% of the property value without paying LMI. Example: If you’re purchasing a $1.2 million home, your deposit could be just $120,000 — instead of the usual $240,000 needed to avoid LMI — saving you thousands upfront. *Estimated savings only, $30,000 savings based on a loan amount of $1,100,000. Speak to an expert How to Qualify for This Exclusive Home Loan Offer? To access this special home loan package for nurses and healthcare professionals in Australia, you must be a registered nurse, midwife, or healthcare professional Documentation Work as a nurse in your current employment for 6 months or 12 months in the same industry . Actively registered with AHPRA Provide two current pay slips showing YTD income. Common professions Audiologist Chiropractor Mid wife or Nurse Occupational Therapist Optometrist Oestopaths Pathologists Physiotherapist Podiatrist Psychologist Radiographer Sonographer *Please note, this list is not exhaustive, contact us to see if you qualify. Medical Professional Package Borrow up to 90% no LMI and Special Rates Exclusive to Medical Professionals. Speak to an expert We Simplify Home Loans for Nurses, Midwives, and Healthcare Professionals Enquire About Your Nurse or Healthcare Home Loan Send us an enquiry or call 1300 103 998 . Our expert team will get back to you within 30 minutes during business hours to discuss your home loan options for nurses and medical professionals. Speak with Our Home Loan Broker Our expert brokers review your situation, find the best home loan options for nurses and healthcare professionals within 48 hours, and negotiate competitive rates so you can buy with confidence. Home Loan Approval Made Easy Once you choose your lender, our team will prepare and manage your home loan application, supporting you every step of your home buying journey and ensuring a smooth approval process for nurses and healthcare professionals. Speak to a Home Loan Expert Nurses Home Loan FAQs Why do lenders offer this exclusive home loan package for medical professionals? Lenders Mortgage Insurance (LMI) protects the bank if a borrower cannot meet their home loan repayments. However, nurses, doctors, and other healthcare professionals are generally considered low-risk borrowers due to stable employment and strong income reliability. Because of this lower risk, select lenders are willing to waive the LMI requirement and approve loans with a much smaller deposit — often just 10%. This allows medical professionals to buy sooner and save thousands in upfront costs. How much can nurses borrow? Many lenders allow nurses to borrow up to 90% of the property purchase price without paying LMI. Maximum borrowing capacity still depends on your income, expenses, and credit history. Will banks take 100% of my overtime income? Yes. Some lenders will consider 100% of your overtime income when assessing your borrowing capacity — a major benefit for nurses and healthcare professionals who regularly earn overtime. To verify your overtime income, lenders may request: • Your two most recent payslips • Your most recent PAYG group certificate • In some cases, a letter from your employer confirming consistent overtime over the past 12–24 months Using 100% of your overtime can significantly increase how much you can borrow and improve your chances of approval. If I’m buying with a partner who isn’t a medical professional, can we still qualify for the 90% LMI waiver? Yes. You can still qualify for the 90% no-LMI home loan even if your partner is not a medical professional. Only one applicant needs to meet the eligible occupation criteria for both of you to access this exclusive medical professional home loan benefit. What loan products are available in this nurse home loan package? You’ll have access to a wide range of medical professional home loan products, including: • Variable rate home loans with package discounts • Fixed-rate home loans with features such as offset accounts and redraw • Professional package loans designed specifically for nurses and healthcare workers Our team will also negotiate a competitive interest rate with the lender on your behalf to ensure you secure the best possible deal. How much deposit do I need as a nurse? Many lenders allow eligible nurses to buy a home with just a 10% deposit while paying no LMI. This can save you tens of thousands compared to standard home loans. Do nurses qualify for no LMI home loans? Yes. Registered nurses, midwives, and healthcare professionals may qualify for a no LMI home loan when borrowing up to 90% of the property value, depending on the lender’s criteria. Who is eligible for a nurse home loan? Eligibility usually includes being a registered nurse, midwife, or healthcare professional in Australia, having steady employment, and meeting standard lending criteria. Each lender may have slightly different professional lists. What documents do nurses need for a home loan? Typical documents include payslips, bank statements, ID, and proof of employment as a nurse or healthcare professional. Some lenders may require AHPRA registration. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Reviews From Our Happy Clients See why our clients love working with us and recommend us with confidence. 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Review your eligibility for the Government's 5% deposit scheme or explore borrowing up to 105% with a Guarantor Home Loan. Home Loan Deposit: How Much You Need and How It Affects Your Loan Saving a home loan deposit is one of the biggest steps in the journey to buying your first home. Your deposit size affects your borrowing power, your interest rate, and whether you’ll need to pay Lenders Mortgage Insurance (LMI). Understanding how deposits work—and why they matter—can help you plan your purchase more effectively and potentially save thousands. Below is a clear breakdown of how deposits, LVR, and LMI work in Australia. What Is a Home Loan Deposit? A home loan deposit is the amount of money you contribute upfront towards purchasing a property. It is usually expressed as a percentage of the property’s purchase price. For example: 20% deposit on a $800,000 property = $160,000 10% deposit on a $800,000 property = $80,000 The larger your deposit, the lower your home loan amount—and the lower your long-term interest costs. What Is Loan-to-Value Ratio ( LVR )? Your Loan-to-Value Ratio (LVR) is one of the most important factors in determining your borrowing options. LVR shows how much of the property’s value you’re borrowing. How LVR is Calculated If you’re buying a property for $800,000 and borrowing $640,000, your LVR is: $640,000 ÷ $800,000 = 80% LVR This means you've saved a 20% deposit. Why LVR Matters Your LVR affects: Whether you need LMI (required above 80%) Your interest rate How many lenders will approve you How much you can borrow Borrowers with a lower LVR are considered lower risk, giving you more home loan options and potentially better rates. What Is Lenders Mortgage Insurance (LMI)? Lenders Mortgage Insurance (LMI) protects the lender—not the borrower—if you are unable to repay your home loan. It becomes mandatory when your LVR is above 80%, meaning you’re borrowing more than 80% of the property’s value. When Do You Pay LMI? You may need to pay LMI if: You have less than 20% deposit You are borrowing above 80% LVR You need to stretch your borrowing capacity How LMI Is Calculated LMI premiums depend on: Your LVR The size of your loan The lender’s risk assessment Whether you’re a first home buyer or refinancer Higher LVR = higher LMI premium. How You Can Pay LMI Borrowers can either: Pay LMI upfront or Capitalise it into the loan (add it to your mortgage and repay it over time) Can You Avoid Paying LMI With Less Than 20% Deposit? Yes — there are several ways to avoid paying LMI, even if you haven’t saved a full 20% deposit. 1. Government Home Buying Schemes First home buyers may qualify for government-backed programs such as: First Home Guarantee (FHBG) Regional First Home Buyer Guarantee (RFHBG) Family Home Guarantee (FHG) These programs allow eligible buyers to purchase with as little as 5% deposit without paying LMI. 2. Using a Guarantor (Family Guarantee) A parent or close family member can use part of their property equity as security for your loan. This reduces your LVR and can help you: Avoid LMI entirely Borrow up to 105% of the purchase price Reduce out-of-pocket costs significantly 3. Professional Packages Certain professional groups—such as medical professionals, accountants, lawyers, and engineers—may be eligible for LMI waivers or large discounts depending on the lender. 4. Increasing Savings or Using a Gift Boosting your deposit through savings, bonuses, tax returns, or family gifts could help you reduce your LVR below 80%. How Much Deposit Do You Really Need? While the ideal deposit is 20%, many buyers purchase with: 5% deposit (with LMI or government schemes) 10% deposit (reduced LMI) 15% deposit (small LMI premium) 20% deposit (no LMI) Your deposit size should align with your overall financial strategy—not just your savings. Need Help Understanding What Deposit You Need? Every borrower’s situation is unique. If you're unsure how much deposit you need or want to explore ways to avoid paying LMI, speak with our mortgage experts today. We can guide you through your borrowing options, government schemes, and strategies to enter the property market sooner. Need More Information? Talk to Our Home Loan Experts Today. Book Your Free Consultation Facebook X (Twitter) WhatsApp Copy link We're Here To Support You Through The Entire Home Buying Journey. Speak to a Home Loan Expert Make an E nquiry Send us an enquiry or call 1300 103 998. Our team will get back to you within 30 minutes during business hours — and our service is completely free. Get a pre-approval We’ll review your situation, help you understand your borrowing power, and organise your home loan pre-approval. We’ll also check your eligibility for Australian Government first home buyer grants to help you get into the property market sooner. House Hunt Once you're pre-approved, you can confidently start house hunting. We can also introduce you to trusted conveyancers and buyers agents to help guide you through every stage of your home-buying journey. Settlement Once you sign the contract, our team will manage the loan settlement with the bank, ensuring a smooth transition to becoming a homeowner. Our service doesn’t stop here — we’ll check in with you every six months to make sure everything is going smoothly.