Book A 15-min Clarity Call

Home Loans

Buying, refinancing or investing is a big step, and having the right guidance can make the experience feel far more manageable. Our mortgage brokers in Melbourne and across Australia help you understand your borrowing options, compare lenders, and choose a structure that supports your goals.

Cta Home Banner 1
Book Your Obligation-free Consultation

Get advice and solutions specific to your needs and goals. Take charge of your financial situation today.

Cta Home Banner 2
Arrange a home loan health check

Select an alternative option to begin your financial journey.

Rectangle 22696

First Steps to Buying Your First Home

Simplifying the Process So You Can Buy With Confidence

Buying your first home can feel like a big leap, and it’s completely normal to have questions about where to begin. We’re here to make the process feel simpler and far more manageable. Our mortgage brokers walk you through the basics, how much you can borrow, what deposit you’ll need, and how different home loan structures work, so you can make decisions with clarity rather than second-guessing.

We also help you explore any first home buyer grants, schemes or incentives you may be eligible for, and explain how they could influence your borrowing capacity or overall costs. Once you have a clear picture of what’s possible, we compare lenders and outline the loan options that suit your needs and cash flow, without overwhelming you with unnecessary detail.

From preparing your documents to understanding pre-approval, making an offer and moving toward settlement, we guide you through each step at a pace that feels right for you. Buying your first home should feel exciting, and with clear support behind you, it can.

Is It the Right Time to Refinance?

Straightforward Advice to Help You Understand Your Options and Make a Confident Decision.

Refinancing is one of the simplest ways to improve your financial position, but many people aren’t sure when it’s worth considering. We help you understand whether your current home loan still supports your goals or if there’s an opportunity to reduce repayments, improve your cash flow, or access better features.

Our mortgage brokers review your existing loan, compare it with what the market is offering, and explain the potential benefits and limitations. If refinancing could put you in a stronger position, we guide you through the process step by step, from the initial comparison through to application, approval and settlement. And if it turns out that your current loan is already competitive, we’ll tell you that too.

Refinancing can also help you consolidate debts, release equity for renovations, or adjust your loan structure as your circumstances evolve. Whatever your reason for reviewing your loan, we’re here to help you make a clear, well-informed decision without any pressure.

Investment Property Loans

Clear Guidance to Help You Structure Your Investment Lending with Confidence

Investing in property comes with a different set of lending considerations, and having the right structure in place can make a big difference to your long-term outcome. We help you understand how investment home loans work, how lenders assess them, and what impact different loan features may have on your cash flow, tax position and future borrowing capacity.

Our team also talks you through the practical elements, like interest-only vs principal-and-interest repayments, how rental income is treated, and what lenders look for when assessing an investment loan, so you can make informed decisions that support both your immediate goals and your broader investment strategy.

What We Help You Understand

  • How lenders assess investment borrowing
  • Interest-only vs principal-and-interest structures
  • How rental income contributes to your borrowing capacity
  • Loan features that may improve cash flow or flexibility

Because we work closely with our financial planners, we also show you how your investment loan fits into your overall financial picture. This connected approach helps you avoid common pitfalls. It gives you confidence that your lending choices are aligned with your longer-term goals, whether you’re growing a property portfolio or purchasing your first investment.

Construction Loans

Understanding Construction & Renovation Finance

Building or renovating can be an exciting milestone, but it often comes with more steps and moving parts than a standard home loan. We help you understand how construction and renovation loans work, what lenders look for, and how progress payments are released at each stage of your build. Our aim is to give you clarity around the process so you can focus on the project itself rather than the paperwork.

We talk you through the key differences between a regular home loan and a construction loan, explain how valuations are handled, and outline what you’ll need to provide at each phase of the build. Whether you’re updating your current home or starting fresh, we help you set up a lending structure that fits your plans, timeline and cash flow.

Throughout the build, we stay connected with you and your lender to ensure each stage moves forward smoothly. With clear communication and a steady process behind you, you can feel confident that your finance is set up properly from the very beginning, right through to completion.

Frequently Asked Questions

How do I know which home loan is right for me?

The right home loan depends on your goals, preferences and how you prefer to manage repayments. We help you understand the differences between loan types, compare lenders and explain how each option may impact you now and over time. With clear information, it becomes much easier to choose a loan that genuinely suits your situation.

Lenders look at a range of factors including your income, expenses, existing debts, credit history and the type of property you’re buying. We help you understand how these elements are assessed and what you can do to put forward a strong application.

Most lenders require proof of income, identification, bank statements and details of any liabilities or existing loans. If you’re self-employed, you may need tax returns and business financials. We outline exactly what’s needed upfront so the process is as smooth as possible.

Both have benefits depending on your priorities. Fixed rates offer stability, while variable rates provide more flexibility. We walk you through how each option works and help you decide which structure aligns best with your plans and comfort level.

Banks can only offer their own products, while a broker can compare a wider range of lenders and loan structures. Working with a broker gives you more choice, clearer explanations and support throughout the entire process, especially if your situation isn’t completely straightforward.

It’s a good idea to review your loan every one to two years, or sooner if your circumstances change. We check in with clients every six months to ensure their rate remains competitive and their loan continues to support their financial goals.

We’re Here to Help with Your Questions and Enquiries

Please complete the form below with your enquiry details, and one of our team members will get back to you as soon as possible. We look forward to assisting you.

Real Reviews from Real Customers

Own Your Future

Award Winning Financial Strategists

360 Blog

360 Podcast

Three experts, one strategy. Get advice and solutions specific to your needs and goals. Take charge of your financial situation today

Access financial videos & information to boost your knowledge with 360 Financial Strategists. Select an alternative option to begin your financial journey.

How can we assist?

See our services

Book A 15-min Clarity Call

Speak to a specialist

Arrange a home loan health check