Home Loans — Connections Across Australia
We connect Australians with independent mortgage professionals who can discuss provider options for buying, investing, refinancing or building.
What You Can Explore
Explore the types of assets and commercial requirements that may be discussed with an independent finance professional.
Owner-Occupied Loans
- First home buyer loans
- Variable & fixed rate loans
- Offset account home loans
- Split rate home loans
Investment Loans
- Residential investment loans
- Interest-only investment loans
- SMSF investment property loans
- Portfolio lending
Construction & Renovation
- Construction loans
- Owner-builder finance
- Renovation loans
- Land & construction packages
Refinancing
- Home loan refinancing
- Debt consolidation via equity
- Cash-out refinancing
- Rate & product review
Home & Life Insurance
- Home & contents insurance
- Landlord insurance
- Mortgage protection insurance
- Life & income protection
Navigating the Australian Home Loan Market
The Australian home loan market is one of the most competitive in the world, with hundreds of products across major banks, credit unions, and specialist lenders. Choosing the right loan — whether variable, fixed, split, or interest-only — can save or cost you tens of thousands of dollars over the life of the loan.
For most Australians, their home loan is the single largest financial commitment they will make. Yet many borrowers still go direct to their own bank, potentially missing better rates and more suitable products available elsewhere. A licensed mortgage broker compares your options across a wide lender panel, negotiates on your behalf, and guides you through the application process.
Asset Connect Australia can refer your home loan enquiry to an appropriately qualified or licensed mortgage professional. They independently assess your circumstances and explain available provider options; eligibility, pricing and approval are determined by the provider.
Key Points
- Australia has over 4,000 home loan products across 40+ lenders — a broker does the comparison for you
- First Home Owner Grant (FHOG) and stamp duty concessions may be available depending on your state
- Lenders Mortgage Insurance (LMI) applies when your deposit is less than 20% of the property value
The Benefits of Getting Referred
Wide Lender Panel
Independent mortgage professionals may work with major banks, mutual banks, credit unions and specialist non-bank providers. Their available panel and authorisations vary.
Expert Guidance for Every Scenario
An independent professional may have experience with first purchases, investing, building or refinancing. Their role, authorisations and available providers should be confirmed directly.
Competitive Rate Negotiation
Some mortgage professionals may have access to provider options or offers not available through every channel. Pricing and eligibility remain provider-dependent.
Support Through the Full Process
Where you engage a mortgage professional, they may explain application steps and provider requirements. Applications, approvals, settlement and communication remain subject to the provider and professional.
First Home Buyer Specialists
First home buyers may have access to government grants, stamp duty concessions or the First Home Guarantee scheme. Eligibility and current rules apply; confirm with official sources and a qualified adviser.
Self-Employed Solutions
Traditional documentation may not suit every self-employed borrower. Some professionals can discuss providers that consider reduced-documentation applications, subject to their criteria.
Who Is This For?
A Clear Connection Process
Submit Your Enquiry
Fill in our simple online form — tell us what you're looking for and we'll use your enquiry to identify a relevant connection.
A Specialist Reviews Your Enquiry
We can connect you with an appropriately qualified or licensed finance professional. They independently assess your circumstances and explain available provider options.
Discuss Your Options
The relevant professional discusses products, pricing, eligibility and next steps with you. You decide whether to proceed, subject to the provider’s terms.
Decide Directly
You discuss the available options directly with that independent professional or provider. Asset Connect Australia does not determine eligibility, rates, terms, approval or suitability.
Frequently Asked Questions
Available Australia Wide
Our connection service is available across every state and territory. We can introduce you to an independent professional whose experience is relevant to your market and situation.
New South Wales
Sydney, Newcastle, Wollongong, Central Coast
Victoria
Melbourne, Geelong, Ballarat, Bendigo
Queensland
Brisbane, Gold Coast, Sunshine Coast, Townsville
Western Australia
Perth, Fremantle, Mandurah, Bunbury
South Australia
Adelaide, Mount Gambier, Whyalla, Victor Harbor
Tasmania
Hobart, Launceston, Devonport, Burnie
Australian Capital Territory
Canberra, Queanbeyan, Belconnen
Northern Territory
Darwin, Alice Springs, Katherine, Palmerston
Ready to Get Started?
Fill in your details below and our team will review your enquiry. If appropriate, your details may be shared with an independent professional who will contact you about available options. Timing, eligibility and any costs depend on that professional and provider.