Home Loans
-
Home > Home Loans
Finhomes helps you unlock the door to your home with tailored home loan solutions designed around your goals. We specialise in Australian home lending and compare options from over 50 leading banks and non-bank lenders to find loans that offer real value, suitable features, and flexibility for your situation.
Many of the most competitive home loans aren’t always with the big banks. That’s why we look beyond a single lender — managing the research, comparisons, and application process to make your experience smooth, transparent, and stress-free.
Securing a home loan is a major financial decision and an important milestone. Whether you’re buying your first home, upgrading to your next home, purchasing an investment property, or refinancing, the right loan structure can make a meaningful difference to your long-term financial position.
Our approach is simple: we take the time to understand your circumstances, explain your options clearly, and guide you through the process from pre-approval to settlement. With personalised advice, competitive lending options, and ongoing support, we help you move forward with confidence at every stage of your property journey.
Home Loan Options Explained
With a wide range of home loan products available, choosing the right one can feel overwhelming. Finhomes helps you understand the differences and select the loan structure that best suits your needs and financial goals.
Variable Rate Loans
Offer flexibility, including the ability to make extra repayments and access redraw facilities, with interest rates that may move up or down over time.
Fixed Rate Loans
Lock in your interest rate and repayments for a set period (usually 1–5 years), making budgeting easier and providing protection from rate increases during the fixed term.
Split Loans
Combine both fixed and variable rates to balance repayment certainty with flexibility.
We explain the pros and cons of each option and recommend a structure that aligns with your borrowing needs, cash flow, and future plans.
Why Choose Finhomes for Your Home Loan
- Access to competitive rates across major banks and specialist lenders
- Personalised advice tailored to your financial goals
- Support for first-home buyers, owner-occupiers, investors, refinancers, and self-employed borrowers
- Fast, streamlined applications using smart digital tools
- Trusted Support You Can Rely On
- Quick and Easy Loan Approval Process
- Loans Designed to Fit Your Needs
- Hassle-Free Loan Application Experience
- Expert support from application through to settlement — and beyond
To apply for a home loan, lenders will generally require proof of income (such as recent payslips or tax returns), employment details, and a review of your credit history. You’ll also need to provide information about your assets, liabilities, and overall financial position to support your application.
Most lenders require documents to be current and up to date. In general, payslips should be within the last 30 days, bank statements are usually required for the most recent 3 months, and tax returns or notices of assessment should be for the latest available financial year. Specific requirements can vary by lender and your circumstances, and we’ll let you know exactly what’s needed for your application.
Yes. Most lenders accept digital copies of documents such as PDFs or clear photos. Finhomes uses secure online systems that allow you to upload your documents easily, helping to speed up the assessment process. We’ll advise you if any originals or certified copies are required by a specific lender.
If you’re missing any documents, don’t worry. Let us know what you have available, and we’ll guide you on alternative options or help you obtain the required information. In many cases, lenders can accept substitute documents depending on your situation, and we’ll work with you to keep the application moving.
We build trust with our customers by combining creativity with tailored loan solutions.
