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Home loans · fully online

Home Loans

Buying your first or your next home. We compare a panel of 40+ lenders rather than one bank’s shelf, then structure the loan around how you actually earn and spend.

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Panel of 40+ lendersFree to you*Fully online

40+lenders compared

$0to you, most home loans*

100%online + video

7languages

Home loans

Home Loans — how it works

Most people get a home loan from whoever they already bank with, and never find out what the rest of the market would have offered. A broker’s job is to make that comparison properly — not just on the advertised rate, but on the fees, the offset, the redraw and the flexibility you will actually use over the next five years.

We handle the application end to end: the paperwork, the lender questions, the valuation, and the back-and-forth to settlement. You deal with one person rather than a call centre.

What we look at

What you get from a broker here

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Rate and structure, not just rate

A sharp rate on the wrong structure costs more over time. We look at offset, redraw, split loans and fees together.

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Your income, understood

PAYG, bonus, commission, overtime, casual or self-employed — lenders treat each differently. We take you to the ones that treat yours well.

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Pre-approval that means something

A pre-approval lets you bid and negotiate with confidence. We tell you plainly what it is and is not.

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The paperwork handled

We prepare the file, chase the lender and keep it moving. You are not the one following up.

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Conveyancing joined up

ORLA Settle handles the legal side at a fixed price, so your loan and your contract are managed together.

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In your language

English, Mandarin, Vietnamese, Punjabi, Arabic, Greek and Italian.

The process

Four steps, start to settlement

Tell us what you need

Your goal, deposit and situation — online or by video, whenever suits.

We compare the panel

We search 40+ lenders and bring you the options that fit, explained in plain words.

You choose, we do the work

We prepare and lodge the application and manage the lender to approval.

Settlement, joined up

We coordinate with your conveyancer so finance and contract land together.

Before you start

What we will need from you

Photo ID
Recent payslips, or two years of tax returns if self-employed
Three to six months of bank statements
Details of any existing loans, cards or buy-now-pay-later
A rough idea of your living expenses

Not sure you have all of it? Start anyway — we will tell you what is actually needed for your situation rather than asking for everything.

Also useful

First home buyers Refinancing Investment loans Calculators Areas we cover Commercial & development →

FAQ

Home Loans — your questions

Does a broker cost me anything?

For most residential home loans, no. We are paid a commission by the lender, not by you. If a fee ever applies — some complex or commercial loans — we tell you before you commit, in writing.

How much can I borrow?

It depends on income, expenses, existing debts and the lender. Different lenders assess the same person differently, sometimes by a large margin. Our borrowing power calculator gives a starting figure, and we confirm it properly before you rely on it.

How long does approval take?

Commonly a few days to a couple of weeks from a complete application, depending on the lender and how straightforward the file is. An incomplete file is the usual cause of delay, which is why we prepare it fully before lodging.

Can I do this without going into a branch?

Yes. Documents are shared securely and we meet by video. Nothing requires a branch visit.

What if I have already been declined somewhere?

That is worth a conversation. A decline usually reflects one lender’s policy rather than your overall position, and the fix is often a different lender rather than a different borrower.

Home Loans — see your real options

Free to you for most home loans, no obligation, and no branch visit.