About Home Loan Experts

At Home Loan Experts, you rarely have to pay for our services. There may be some situations, however, where you need to pay a fee to the mortgage broker; it depends on the complexity of the loan, loan size and type of loan

It's important to note that mortgage brokers, like Home Loan Experts have a legal obligation to act in the best interests of their clients and provide suitable loan recommendations based on their individual needs and circumstances.

Home Loan Experts is an independent mortgage broker. We are not owned by banks.

An independent mortgage broker is a professional or firm who assists individuals in obtaining home loans from various lenders. Unlike other brokers, who may have ties to specific financial institutions, independent mortgage brokers are not affiliated with any particular lender. They provide unbiased advice and guidance to borrowers, helping them navigate the mortgage market and find the most suitable loan options for their needs.

We have over 50 lenders on our panel, and we can work with them to help you get a competitive rate on your mortgage.

Mortgage brokers can leverage their strong negotiating power to potentially secure lower interest rates for borrowers than what banks may otherwise offer. Banks often reserve their best interest rates for borrowers they perceive as low-risk, including those with a clear credit history, a sizeable deposit, and a stable income. Being an existing customer does not guarantee the best interest rate, as banks sometimes impose higher rates on loyal customers, commonly known as a loyalty tax.

The advantage of working with Home Loan Experts lies in our ability to access a wide range of lenders. In Australia alone, there are more than 200 lenders competing for broker business. This competition incentivises banks to offer attractive rates and terms to brokers, as we have the flexibility to apply for loans with different lenders. Banks understand that if they are unable to provide competitive rates, brokers can easily seek options elsewhere.

The CEO of Home Loan Experts is Alan Hemmings.

Hemmings has a remarkable track record spanning over 20 years in the banking and finance industry. He is a seasoned professional, dedicated to helping Australians achieve their dreams of home ownership

Alan's expertise lies in various areas, including business strategy, driving sales and balance sheet growth for broker businesses, talent recruitment, performance management, and fostering strong relationships with lenders, aggregators and other business partners.

We are a team of credit experts and specialists with knowledge of the lending policies of over 50 lenders; we know which lenders can help you with your situation.

At Home Loan Experts, we make sure we take your full situation into account and provide a complete solution. Our loan assessment process is thorough. We look at your needs now and in the future and make sure that we are getting you the best loan for your situation. What if you don’t qualify right now? We will help you get to the stage where loan approval won’t be a problem, with our prepare-to-buy program. We don’t forget about you once your home loan is advanced, either! We offer exceptional ongoing customer care by conducting annual reviews on your home loan, and we will be there to assist you for the life of your loan. We’ll be your broker for life.

To speak with one of our Home Loan Experts, call 1300 889 743 or +61 2 9194 1700 (if you’re outside Australia).

You can also complete our free online enquiry form, and our mortgage expert will get back to you.