How much do you charge?

You rarely have to pay for our services. There may be some scenarios where you need to pay a fee, but that depends on the complexity of the loan, loan size and type of loan. It's the lenders that pay us commissions for introducing customers to them. This does not create a conflict of interest, as mortgage brokers get paid only when the home loan settles, so its in their best interest to get you the right loan for your situation!

Won't shopping around for the right lender affect my credit score?

No. Your credit score is affected when you apply for finance, and it's recorded as an enquiry on your credit file. With Home Loan Experts, we ensure a mortgage is submitted when our customers are ready. As your authorised credit representative, we can look at various home loan solutions without affecting your credit file.

Are your services available Australia-wide?

Yes! Home Loan Experts can help you get a mortgage anywhere in Australia. We are based in Sydney, but our services are not limited by location.

Can a mortgage broker help me check my borrowing capacity?

Yes, we can! We will assess your financial situation, including your income, expenses and existing liabilities, to determine how much you can borrow.

Do you offer services for first-home buyers?

Yes, we do. At Home Loan Experts, we've helped thousands of first-home buyers realise their dreams of homeownership. But our services are for more than just first-home buyers. We can also help property investors or those looking to refinance their mortgages.

Specialist Mortgage Brokers (new)

Explore The Right Mortgage For You

Your dream home deserves a mortgage that resonates with your goals. Let’s find it together.

Waived LMI Home Loans

No need to pay Lenders Mortgage Insurance
Lower upfront costs
Accessible with smaller deposits

Low-Doc Home Loans

Great for self-employed borrowers
Offer flexibility in proving your income
Extensive documents not required

Low-Deposit Home Loans

A quicker path to home ownership
Great option for first-home buyers
Minimum of 5% deposit required

Master Your Financial Journey
Using Our Home Loan Calculators

A man and woman in a blue shirt and white t-shirt sitting on a sofa looking at a laptop

LMI Calculator

Use our Lenders Mortgage Insurance (LMI) calculator to find out how much you might need to pay if you’re borrowing more than 80% of the property value.

A man in a black long sleeved shirt has his arm around a woman with a grey long sleeved shirt. There is a laptop in front of them.

Mortgage Repayment Calculator

You can use this calculator to work out your repayments with different loan sizes, interest rates, loan terms and repayment options.

A woman in a sweater has her arm around a man. They are both looking at a laptop.

LVR Calculator

The percentage of the total property value you are borrowing is your Loan-To-Value Ratio (LVR). Calculate the percentage of LVR your loan situation allows.

Explore more calculators navigate_next

Experience Award-Winning Mortgage Expertise Validated By Our Customers

Perfect

Very professional and knowledgeable

We have used Home Loan Experts before for our investment properties and I wouldn’t use anyone else. They are quick and prompt at getting the job done and as a investor that’s what we need.

Craig W

Victoria

Perfect

Home Loan Experts are Truly Experts!

We would like to acknowledge the fantastic efforts of the wonderful team at Home Loan Experts. Sid and Rohini are absolute champions and have provided an outstanding service helping us achieve all our goals!

Michael and Olivia

Illawarra, NSW

Perfect

Mortgage application without any stress

My wife and I have used Mohit and his team on multiple occasions now and their work and communications are second to none. They have not failed to help us achieve our goals and have done this in the most easy and stress less way.

Matt K

Greater Melbourne

Perfect

Amazing customer service and expertise

Prakash and his team helped us secure a home loan a few years ago and were amazing in finding us the best deal to refinance recently. They provided us with great options and excellent customer care. We are very thankful for their expertise.

Emily B.

Perth, WA

Perfect

Does what it says: Home Loan Experts

Romy, Sujeena and others were very helpful throughout. The process felt transparent, and I was kept informed. There was good follow up on details. There was good out of hours email exchanges too as I couldn’t always respond during the work day.

FOD

Sydney

Perfect

10/10 amazing top notch service

We are so thankful and appreciative to have had Garima & Mohit and team assist us with our loan. A real pleasure to deal with, so professional, friendly and kept us up to date at all times of the process.