Home Loans
A home loan structured around your life.
From first purchase to refinance, we compare across the 100+ lenders we have access to to find finance that fits your situation, not a standard product.
Lending
Buying a home should not mean guessing which lender to approach.
Every lender assesses borrowing capacity differently. Two people with the same income and the same deposit can be offered very different loan amounts depending on which bank they ask. We work through your full financial position first, then match you to lenders likely to say yes on terms that suit you.
Whether you are a first home buyer, upgrading, or buying again after some time out of the market, our process stays the same. We explain your options clearly, handle the paperwork, and stay with you through to settlement.
Why Finstac
What you get working with us.
Choice, not one bank
Access to more than 100 lenders means we are not limited to one set of policies or one interest rate.
Borrowing capacity clarity
We assess your full position upfront, so you search for homes knowing what you can actually borrow.
Support to settlement
We stay involved after approval, through valuation, contract conditions and settlement day.
How it works
A clear process, from first conversation to settlement.
- 01
Initial conversation
We talk through your goals, timeline and current financial position, with no obligation.
- 02
Lender comparison
We compare suitable lenders from those we have access to, based on your specific scenario.
- 03
Application and approval
We prepare and lodge your application, and manage communication with the lender on your behalf.
- 04
Settlement
We coordinate through to settlement, keeping you informed at every step.
Common questions
Common questions.
Borrowing capacity depends on your income, expenses, existing debts and the lender's own policies. Because policies vary between lenders, we assess your situation against multiple lenders rather than relying on a single bank's calculator.
Not necessarily. Some lenders accept smaller deposits, often alongside Lenders Mortgage Insurance, and government schemes may also apply depending on your circumstances. We can talk through what is realistic for your situation.
In most cases, brokers are paid a commission by the lender once your loan settles, not by you directly. We will always be transparent about how we are paid before you proceed.
Timeframes vary by lender and by how complete your documentation is. We aim to move as quickly as possible once we have everything needed to submit a strong application.
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