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Fuel Your growth with
Low Rates Real Value

Access home loans designed for a home for living or as an investment. Smart finance means more home for your money. We handle the complex market analysis so you can focus on moving in by Securing you the best deal.

Your Rate Today

Living

Offset variable rate
 5.34% p.a.

Comparison rate
 5.60% p.a.

Personalized support simplifies the journey, removing the burden from your shoulders.

Investment

Offset variable rate
 5.49% p.a.

Comparison rate
 5.75% p.a.

 Simplify your path to a great investment.

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Unlimited places No income caps Perth cap: $850k (regional $600k) 5% deposit paths (avoid LMI if eligible}

Navigating the property market is simpler when you have a local expert on your side.

Let's Find You The Perfect Loan

Get a free, no-obligation Strategy planning, assessment, Personalized Quote, or just know your Buying Power from a specialist.


Your Property Goals, Achieved.

Looking to purchase or refinance? we offer solutions for everyone. We specialize in Alt Doc loans and bad credit loans. Discover your options. Contact us today for a no-obligation chat about our Alt Doc and bad credit loan solutions. Your journey begins here.

Alt Doc | Low Doc Loans: Simple for Self-Employed.

For self-employed individuals, traditional lending can be tough. Our Alt Doc loans accept an accountant’s letter or 6 months BAS. No benchmarking, just straightforward low doc loans.

Bad Credit? No Problem.

We offer debt consolidation loans. Your past doesn't define your future; we look at your current capacity and commitment to a fresh start. Consolidate your debts, manage your repayments, and work towards a stronger financial standing.

5% deposit paths Perth cap: $850k (regional $600k) Unlimited places No income caps

Changes effective 1 Oct 2025. Scheme administered by Housing Australia via participating lenders. General info only.

WA caps snapshot
Previously
Perth metro: $600,000
Regional WA: $450,000
Now
Perth metro: $850,000
Regional WA: $600,000

Caps apply to property price, not loan size. Scheme & lender eligibility apply. Duty is separate; first-home concessions (FHOR) may reduce duty.

Quick eligibility checklist

  • Deposit saved (2% single parents / 5% most FHB paths)
  • Purchasing under the relevant cap
  • Australian citizen/PR and lender credit criteria apply
  • Buying an eligible residential property, to live in
Get started in minutes

Our 40+ Lender Network

Participating lenders only for Home Guarantee Scheme pathways.

Logos shown for illustration. Lender availability and scheme participation can change. We’ll shortlist lenders that fit your eligibility and goals.

Buy a Home

Purchase an owner-occupied or investment property.

Build a Home

Finance construction of a new home or dwelling.

Refinancing

Get a better deal or consolidate other debts.

Home Renovations

Upgrade kitchens, bathrooms, or living spaces.

Green Upgrades

Install solar panels or energy-efficient appliances.

Business Investment

Use equity to fund your small business or side project.

Education

Fund your own or a family member’s education.

Major Life Expenses

Cover weddings, travel, or emergencies with equity.

Loan Calculators

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15-minute eligibility check. No obligation.

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FAQ

From Dream Homes to Life’s Biggest Moves – The Right Home Loan Starts Here.

“The key to your new front door.”
Whether you’re buying your first home, upgrading to more space, or refinancing to save, our home loans are designed to be fast, flexible, and tailored to your needs. Have questions? Explore our FAQs and get the clarity you need to move forward with confidence.

We can help with:

  • First home buyer loans
  • Investment property loans
  • Refinancing / debt consolidation loans
  • Construction loans
  • Low-doc loans (for self-employed)
  • Variable, fixed, or split loans

Your borrowing capacity depends on:

  • Your income and expenses
  • Existing debts and financial commitments
  • Your deposit size
  • Lender assessment criteria
    We’ll run the numbers for you so you get a clear, realistic figure before applying

Yes – lenders have low-doc and alt-doc loans for business owners and contractors. You may need to provide BAS statements, tax returns, or accountant letters.

Depending on your situation, you may be eligible for:

  • First Home Owner Grant (FHOG)
  • First Home Guarantee (5% deposit without LMI)
  • Family Home Guarantee (for single parents)
  • State-specific stamp duty concessions
    We’ll check your eligibility and help you apply.

Pre-approval can take 24hrs–5 business days, while full approval can take 1–4 weeks depending on the lender, property type, and how quickly documents are provided.

  • Fixed rate: Interest rate stays the same for a set term (e.g., 1–5 years).
  • Variable rate: Rate can change; offers more flexibility and features.
  • Split loan: Part fixed, part variable — balance of stability and flexibility.

With access to 40+ lenders, we do the rate shopping for you. Plus, our brokers offer personalised support, fast turnaround, and no pressure  – just smart loan solutions.

Important Information & Disclaimer
Broker360 Pty Ltd (ABN 82 644 877 681) holds Australian Credit Licence 570 168. Credit Representative services are provided in accordance with the National Consumer Credit Protection Act 2009.
The information on this website is general in nature and does not constitute personal financial, credit or legal advice. It does not take into account your individual objectives, financial situation or needs. You should consider whether the information is appropriate for you and seek independent professional advice before making any financial decisions.
All applications for credit are subject to lender assessment and approval. Eligibility criteria, terms, conditions, fees and charges apply. Interest rates are subject to change without notice.
Alt Doc and Low Doc loans require verification of income through acceptable documentation such as BAS statements, accountant declarations or alternative income evidence as required by individual lenders. Not all applicants will qualify.
Bad credit and debt consolidation options are subject to lender assessment of your current financial position, repayment capacity and responsible lending obligations.
Home Guarantee Scheme pathways (including 2% or 5% deposit options) are administered by Housing Australia and are subject to government eligibility criteria, property price caps and participating lender availability. Scheme places may be limited. Caps apply to the property value, not the loan amount. Changes effective 1 October 2025.
Logos displayed are for illustrative purposes only. Lender participation, policies and scheme availability may change without notice.
Past performance, testimonials and client experiences do not guarantee future outcomes.