Buy Your Home With Confidence
Access our competitive residential mortgage tailored to your income, deposit and timeline. Fixed or variable rates, terms up to 30 years, and access to 60+ lenders finding the best deal for you.
Fixed Rate or Variable? We Find the Best for You
Whether you prefer the security of a fixed monthly payment or want to take advantage of potential rate falls, our advisers search 60+ lenders to match the right product to your exact needs.
Fixed Rate
Same payment every month for 2, 3 or 5 years. Perfect if you want certainty and to budget with confidence.
Variable Rate
Tracks the base rate or lender SVR. Payments can go up or down but often start lower than fixed deals.
Repayment
Pay down capital and interest every month. At the end of the term, you own your home outright.
Interest Only
Pay only the interest each month, keeping payments low. A repayment vehicle is required for the capital.
What You Can Borrow
| Deposit | Max LTV | Rate Guide | Property Value |
|---|---|---|---|
| 5% | 95% LTV | From 3.9% APR | Up to $500,000 |
| 10% | 90% LTV | From 3.4% APR | Up to $1,500,000 |
| 25% | 75% LTV | From 3.2% APR | Up to $3,000,000 |
| 40%+ | 60% LTV | Best rates available | Up to $5,000,000 |
🧮 Mortgage Calculator
Who Can Apply for a Residential Mortgage?
Employed
Full-time or part-time employment. We use your gross salary. Most recent 3 months payslips required.
Self-Employed
Sole traders, partnerships and directors. We use your net profit or salary plus dividends. 1–2 years accounts needed.
Retired / Investment Income
Pension income and investment returns considered. Specialist lenders available with no maximum age at application.
Non-Residents
Expats and foreign nationals buying property in LATAM. Specialist lenders with competitive rates for international buyers.
Adverse Credit
Late payments, defaults or CCJs. Specialist lenders consider all credit histories. Rate reflects risk level.
Joint Applications
Buy with a partner, family member or friend. Income assessed jointly. Both applicants must meet lender criteria.