Our Services

Home Loans

The right home loan for where you're at.

✓ No fee in most cases|✓ 30+ lender panel|✓ Investment & Bridging specialists|✓ NSW · QLD · VIC · Australia-wide|✓ Legally obliged to act in your best interests

How We Can Help

Home Loans with LoanBuddy

Buying a home is one of the biggest financial decisions you'll make. We cut through the complexity, explain your options clearly, and compare 30+ lenders to make sure you're getting the best deal for your situation. If you're buying for the first time, visit our First Home Buyers page for grants that may apply. If family support could help with your deposit, we also specialise in guarantor loans.

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Quick Enquiry

Enquire about Home Loans

Home Loans

What we can help you with

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Variable Rate Loans

Flexibility to make extra repayments and access a redraw facility.

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Fixed Rate Loans

Lock in certainty on your repayments for 1–5 years.

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Split Loans

Combine fixed and variable for the best of both.

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Offset Accounts

Reduce your interest by parking savings against your loan.

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Refinancing

Already have a loan? We check if you're getting a competitive rate.

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Low Deposit Options

We explore options including LMI waiver schemes.

Common Scenarios

When people come to us for a home loan

Whether you are upsizing, downsizing or moving for the first time, we help you navigate the process from start to finish.

Upsizing to a Bigger Home

You have grown out of your current home and are ready to upgrade. We help you work out whether to sell first or buy first, model the numbers for both scenarios, and identify the right loan structure. If the timing means you need to carry two properties briefly, we can also arrange bridging finance to bridge the gap.

Buying With a Small Deposit

Saving a full 20% deposit in today's market is a real challenge. We explore every option with you — from lenders who accept lower deposits to government schemes and whether a family guarantee could help you buy sooner without paying LMI.

Downsizing or Relocating

Moving to something smaller or to a different area often involves selling and buying at the same time. We coordinate the finance on both sides to keep the process smooth and make sure you're not left without options if settlement dates don't align perfectly.

FAQ

Common questions about home loans

It depends on your situation and risk appetite. Fixed gives certainty; variable gives flexibility. Many clients choose a split loan. We'll help you decide what suits your goals.

Generally 10–20% plus costs. Some options exist for lower deposits which may attract lender's mortgage insurance (LMI).

Most fixed loans allow limited extra repayments (up to around $10,000/year). Variable loans typically allow unlimited extra repayments.

LMI is a one-off insurance premium that protects the lender if you default — not you. It applies when your deposit is below 20%. In some cases it makes sense to pay LMI rather than wait to save more, especially in a rising market.

Yes. A guarantor uses equity in their own property to support your purchase — removing the need for LMI and potentially increasing your borrowing power. We specialise in guarantor loans and can explain whether it suits your situation.

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