Finding
the right
Home Loan
made simple
Expert guidance, personalised options, and support at every step.
Let’s make your dream home a reality.
Finding
Access to 60+ lenders who will help you
Secure Your Loan
Plus many more
I would highly recommend Craig and his team at Home Loan Republic.
My situation to refinance was complicated from other parties involved but I received great service in all aspects and exactly how I wanted my home loan set up.
The financial relief I gained from Craig sourcing the best mortgage for my circumstances was a life changer and I will be forever grateful.
Sonia Francis
Home Owner
A better way to get the right
home loan
Some of the types of home loans our in-house brokers can find for you.
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Home Loans
Find the right home loan tailored to your needs, whether you’re a first-time buyer or upgrading to your dream home. Let us guide you every step of the way.
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Investment Loans
Navigate the complexities of investment property financing with confidence. Our brokers provide expert advice to help you build your property portfolio.
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Refinancing
Refinance your mortgage to secure a better rate, reduce repayments, or access equity to improve your financial situation.
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Home Loan Health Checks
Ensure your home loan remains competitive with regular reviews. A quick check could save you money and keep your finances on track.
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Debt Consolidation Loans
Simplify your finances by combining multiple high-interest loans into one manageable repayment with a lower interest rate.
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Commercial Loans
Unlock the potential of commercial property investments with tailored loans for offices, warehouses, and more. Achieve profitability with the right financing.
Ready to take the
next step?
Get approved in 3 easy steps
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Understand Your Needs
We’ll take the time to fully understand your financial situation and property goals. For existing homeowners, we’ll also assess the equity in your current property and determine how much you can safely borrow.
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Compare and Recommend Options
Our team will explain and compare loan options from a large selection of lenders. We’ll help you find the ideal loan that matches your needs and preferences.
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Handle the Application and Settlement
We take care of the entire process, from negotiating with lenders to completing all paperwork. Our brokers will manage everything up to settlement, so you can focus on your property journey with peace of mind.
Fred Beadle
2024-11-21
The process of getting a loan for our land purchase and home building through Home Loan Republic has been a smooth process.
Tanveer yousuf
2024-11-11
Craig is a gem of a guy, really professional and helping. Guided us to achieve our investment property. Always recommend.
Chloe Hammond
2024-11-05
Extremely efficient and knowledgeable in the home loan area. Easy to work with and fast processing times. Would definitely use Craig again if opportunity arises.
Tom Antonio
2024-11-04
My 2nd time using Craig, he’s an awesome help very knowledgeable and always willing to help
Leigh Richardson
2024-10-26
Craig was great from the start. Very knowledgeable, proactive and informative. He made the whole process smooth and stress free.
Thanks Craig, will definitely come back to you in the future.
Karen Glassborow
2024-10-24
Craig has helped us with a new loan arrangement after our previous broker became difficult to deal with. He has been prompt, thorough and helpful.
Russell Tough
2024-10-17
We had an excellent experience with Craig. He is professional, thorough and very knowledgeable. He was able to secure the best options that worked for our specific situation. I highly recommend his finance brokerage services!
Brent Morris
2024-09-29
We used Craig to support us in our first home purchase, he was great. Helped us through all the steps and stages and gave us really clear guidance on what was needed. I’ll use Craig again in the future for sure.
molly evans
2024-07-20
As first home buyers the process of applying for a home loan can be very daunting and stressful! We found Craig to be extremely professional, punctual and understanding throughout the process and we had a great outcome! Highly recommend Home Loan Republic 😊
Get
started
today
Have questions? We’ve got
answers
A mortgage broker can save you time and help you find the best loan for your needs. While banks offer only their products, brokers can access a broader range of lenders and loan options. They guide you through the entire process—from assessing your borrowing power to managing the application and ensuring settlement is seamless. They’ll also review your loan over time to ensure it remains competitive.
A 20% deposit is ideal to avoid lenders mortgage insurance (LMI), but some lenders offer home loans with deposits as low as 5%. Be sure to account for additional costs like stamp duty and legal fees when planning your budget.
Most mortgage broker services are free, as brokers are paid by the lender you choose. If additional fees apply for specific services, these will be explained upfront so you can make an informed decision.
Your borrowing capacity depends on factors like income, savings, liabilities, and credit history, along with the lender’s criteria. To get an estimate, you can use a borrowing power calculator or consult with a broker.
The best home loan for you depends on features like interest rates, loan terms, and repayment options. A broker compares multiple lenders and loans to find options tailored to your circumstances and goals.
Grants and assistance schemes vary by state or territory, often providing financial support for eligible first-home buyers. Many states also offer stamp duty concessions. A broker can help you understand what’s available in your location.
Getting pre-approval from a lender shows you are a serious buyer and helps you set a budget. It’s not mandatory but can provide confidence when searching for properties. Pre-approvals are usually valid for around three months, provided your financial situation doesn’t change.