How do I apply for a new home loan?

Our home loans are available through our network of over 5000 mortgage broking partners across Australia.

Your broker will recommend the right product for you, by discussing your current situation and your future plans.  Their service doesn’t stop there – they’ll also guide you through the process from your application through to settlement. You’ll benefit from their expert knowledge and experience, as they’ll give hints and advice throughout the application process, which you’ll only have access to if you use a broker.

Finding a broker 

Finding a broker is easy. We partner with Australia’s leading aggregation firms, such as Aussie, AFG, Choice, Connective, FAST and Mortgage Choice.

When choosing your broker, we recommend you check that:

  • they hold a current licence (Australian Credit Licence)
  • they’re a member of an industry body (MFAA or FBA)
  • they have access to our suite of products

Would you like us to introduce you to a broker? 

Contact us and we’ll put you in touch with a broker.

Phone-icon  1300 652 220
 Monday to Friday 8am to 730pm (CST)
 Saturday 10am to 6pm (CST)
Email-icon  Complete our enquiry form

What information do I need? 

To assist us and your mortgage broker, we’ll need some information about your objectives and current financial position. You’ll need to have established the following information:

  • your current assets, including estimated values
  • your current liabilities, including credit limits
  • your gross income
  • the approximate value of any property offered as security
  • your deposit and equity 

Things to consider 

Before discussing your new home loan you should consider:

  • your product options with our compare our products page
  • whether your home and contents insurance is adequate
  • whether you'll need mortgage protection insurance
  • that you may need to pay Lender's Mortgage insurance (LMI), depending on the Loan to Value Ratio (LVR)
  • whether fees and charges will apply - refer to our fees & charges

 

Find out more about the new home loan process.