01
BUYING A HOME
Your first home.
A place of your own starts with a clearer picture. Talk through your deposit, the costs to consider and the steps ahead.
Let's talk about it
Better Business Awards 2025Industry Thought Leader of the Year · SA/NT
FOR AUSTRALIA'S ESSENTIAL WORKERS
Home loans for
the people we rely on.
Your first home. Your next move. A fresh look at your loan.
Start with a clearer picture of what's possible.
Police officers
Nurses
Doctors
Teachers
A HOME LOAN, FOR REAL LIFE
What does your
next chapter look like?
Wherever you're starting, make room for your questions. Then take the next step with a little more clarity.
02
MOVING HOME
Your next move.
More room, a new location or a different chapter. Start with what you're planning and how a home loan could fit.
Let's talk about it03
REFINANCING
A fresh look at your loan.
Your needs can change. Look at the costs, features and options that matter to you before deciding whether to make a change.
Let's talk about it
1,000+ Australians helped.Different lives. A clearer next step.
WHY A BROKER?
One conversation.
A clearer view.
Your plans deserve more than one option. We compare costs, features and fit across a broad lender panel, with expertise focused on Australia's essential workers.
Your plans
COSTS
Rate + fees.
Look at the overall cost, including fees for the features you need.
FEATURES
What you’ll use.
Offset, repayment options and flexibility. Make the unfamiliar clearer.
FIT
Your next step.
Start with your deposit, income, circumstances and plans.
We look at the costs, features and fit together. Ask us how we are paid and what fees apply.
40+ lenders on our panel.
Major banks, smaller banks and specialist lenders across Australia.
Our panel keeps evolving. Options and profession-specific offers depend on our current panel, lender criteria and your circumstances.
RATES, WITH CONTEXT
A rate is only
part of the picture.
A useful starting point for a conversation. The right loan also depends on its costs, features and your circumstances.
Personal-loan example
Start with the loan type.
Interest rate
5.95% p.a.Comparison rate*
5.95% p.a.Personal finance and home loans have different costs and conditions. A headline number only makes sense with its loan type, fees and features.
Comparison rate warning: *Based on an unsecured loan of $30,000 over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Illustrative personal-loan example only; not a home-loan rate or an offer of credit. Terms and conditions apply.
Cashback exampleLook past the
Look past the
upfront incentive.
Cashback can be part of a home-loan conversation. What matters is whether the whole loan stacks up.
Up to$4,000*
On eligible home loans at 80% LVR or below.
*Example from our home-loan material, not a current offer or a guarantee. Availability, minimum loan amounts, lender eligibility, settlement dates and other conditions must be confirmed. Consider fees, rates and switching costs against any cashback. Terms and conditions apply.
Look at the rate, fees and features together. What matters is how the whole loan fits your plans.
Talk about your options
HOME LOANS FOR DOCTORS
Your work is specific.
Your questions
can be too.
Buying a home, planning a move or reviewing a loan? Start with the questions that matter to your circumstances.
From income and documentation to deposit requirements, ask what applies to you.
A useful place to beginHOW THE CONVERSATION WORKS
A clearer path.
One step at a time.
You don't need to know every answer before you begin. Start with what you're planning.
- 01
Start with you.
Your plans, your circumstances and the questions on your mind.
- 02
Understand the options.
Discuss the information needed, the costs to consider and what matters to you in a loan.
- 03
Choose your next step.
Understand the proposed steps, with time to ask questions before deciding to proceed.
A LITTLE MORE CLARITY
Good questions.
A useful place
to start.
Home loans come with a lot of information. Start with a few things worth understanding.
What does a mortgage broker do?
A mortgage broker helps you understand and compare home-loan options through the lenders they work with, and explains the steps involved in applying. Ask which lenders they can access, how they are paid and what costs you may need to consider.
What should I compare beyond the interest rate?
Look at the overall cost, fees, repayment options and features you expect to use. An offset account or the ability to make extra repayments may matter to you, but the right combination depends on your circumstances.
What if my income includes overtime or allowances?
Start by explaining how you work and how you are paid. Income assessment and documentation requirements differ between lenders. A conversation can help establish what information is needed to explore your options.
Is it worth reviewing my current loan?
Begin with what you want to change. Consider the interest rate, ongoing fees, features and any costs of switching before deciding whether to proceed. Refinancing does not automatically mean a lower overall cost.
Do doctors have different home-loan options?
Some lenders have profession-specific criteria. Ask what applies to your registration, income, deposit and loan purpose. Being a doctor does not, by itself, establish eligibility for a particular loan or policy.
YOUR NEXT STEP
Home loans.
Human answers.
Tell us what you're planning.
And what you'd like to understand.
A few questions about your plans, then the best way to reach you. Start with what you know.