Home Loans Made Easy
Whether you're buying your first home, refinancing for a better rate, or investing in property — we compare Australia's leading home loan lenders to find the right fit for you.
What We Arrange
First Home Buyers
Access first home buyer grants, low-deposit schemes, and guidance through your first property purchase.
Refinancing
Save thousands by switching to a more competitive rate or consolidating debts into your home loan.
Investment Loans
Finance for investment properties with interest-only options and tax-effective structuring.
How It Works
Free Assessment
Tell us about your home loan goals
Compare Options
We find the best rates and features
Get Approved
Fast-track your application to settlement
Are You Ready to Borrow?
Before applying for a home loan, lenders typically want to see:
Financial Position
- ✓ Stable income (PAYG or self-employed)
- ✓ Savings for deposit (usually 5-20%)
- ✓ Good credit history
- ✓ Low existing debts
- ✓ Genuine savings history (3-6 months)
Documentation Ready
- ✓ Photo ID (driver's license or passport)
- ✓ Recent payslips or tax returns
- ✓ Bank statements (3-6 months)
- ✓ Proof of deposit savings
- ✓ Property contract (if purchasing)
Don't tick all boxes? Don't worry — we work with specialist lenders who consider various circumstances including first-time buyers, self-employed, and those with credit challenges.
The Home Loan Process
1. Pre-Approval (3-5 days)
Get conditional approval before you start house hunting. This shows sellers you're a serious buyer and helps you understand your budget.
2. Property Contract (1-2 days)
Once you've found your property, sign the contract subject to finance. We'll submit your formal application with property details.
3. Formal Approval (5-10 days)
The lender will value the property and process your full application. We'll manage this process and keep you updated.
4. Settlement (30-90 days)
Final loan documents are prepared, your solicitor coordinates settlement, and you receive your keys!
Frequently Asked Questions
Ready to Buy or Refinance?
Get a free home loan assessment and compare your options with Australia's top lenders.
Important Information
FundGuru provides credit assistance under ACL/CRN: ACL123456. AFCA member: AFCA-123456. All applications are subject to lender credit criteria. Fees, charges and terms apply. Information on this website is general and does not take your objectives, financial situation or needs into account. Consider whether it is appropriate for you and seek professional advice where necessary.