Home Loans

Buying your first home is both exciting and overwhelming. At Loanworx, our trusted mortgage brokers guide you through every step of the journey to home ownership. We explain the process in clear, simple terms—without the jargon—so you feel confident and supported.

Understand Your Borrowing Capacity

As specialists in the first home buyer market, we help you understand your borrowing power and explore the options available to improve it. From income structures to deposit solutions, we’ll show you the levers that can make your dream of owning a home more achievable.

Access First Home Buyer Grants & Government Incentives

We stay up to date with the latest government schemes and incentives for first home buyers across Australia. This means you won’t miss out on any benefits you’re entitled to—whether it’s grants, stamp duty concessions, or other financial support. Even if you have no deposit, we can explore options to help you take your first step onto the property ladder.

Stress-Free Approval Process

Let us handle the paperwork and lender negotiations for you. We’ll save you time, reduce the hassle, and work to get you pre-approval so you’re buyer ready. With the right strategy, you could be moving into your dream home sooner than you think.

Support Beyond Your Home Loan

At Loanworx, we do more than just home loans. If you don’t yet have your professional support team in place, we can connect you with trusted partners in:

• Conveyancing
• Personal insurance
• Property search and buyer advocacy

Together, we’ll cover every part of your first home buying journey, giving you peace of mind from start to finish.

Moving Up the Property Ladder Made Simple

As an upgrader, deciding how to move into your next home can feel challenging—especially if you haven’t yet sold your current property. At Loanworx, our experienced mortgage brokers take the stress out of the process. With access to over 40 lenders and thousands of loan products, we’ll help you find the right finance solution for your next move.

Explore All Your Finance Options

Every upgrader’s situation is different, which is why we take the time to explain all the available strategies, including:

• Bridging finance – buy your new home before selling your current one.
• Security swaps – transfer your existing property to the new one as security without disrupting your loan.
• Buy & sell in the same market – guidance on logistics and timing.
• Keep & invest – in some cases, you may not need to sell at all. We can show you how to retain your current home as an investment property.

We’ll walk you through the pros and cons of each approach in plain English, so you can make confident decisions.

Stress-Free Second Home Buying

From loan applications to settlement, we handle the financial arrangements for you with clear communication and straightforward advice. Our goal is to put your mind at ease while helping you move smoothly into your next home.

More Loan Options at Loanworx

Beyond home upgrades, we also specialise in:

• Investment Loans – build your property portfolio with tailored strategies.
• Refinancing Your Loan – unlock better rates or access equity for your next step.
• Construction Finance – flexible lending options for building or major renovations.

Smart Finance Solutions for Property Investors

Whether it’s your first investment property or you’re an experienced investor building a portfolio, financing your next purchase can still present challenges. At Loanworx, we work with over 40 lenders to find the right investment loan strategy for your needs.

Common Investor Questions We Can Help With

Many property investors come to us with similar questions, including:

• How much extra can I borrow?
• How do lenders assess my existing loans?
• Will rental income be enough to cover my repayments?
• Can I borrow 100% or more of the purchase price using equity in another property?

The truth is, not all lenders treat rental income the same way, and some won’t factor in potential tax benefits. The more properties you own, the more complex your situation becomes—and relying on a single lender may not always give you the best outcome.

Tailored Investment Loan Strategies

At Loanworx, we take the time to understand both your current financial position and your future investment goals. We’ll review:

• Your existing lending and repayment obligations
• Available equity in current properties
• Deposit and transaction costs for your new purchase

From there, we’ll structure your loans in a way that suits your short-term needs while supporting your long-term plans.

Why Investors Choose Loanworx

Our approach is to find solutions, not roadblocks. We cut through the complexity, compare options across a wide range of lenders, and guide you toward the most appropriate finance structure. With clear communication at every step, you’ll feel confident about your investment property journey.

Is It Time to Review Your Home Loan?

If you’ve had your loan for a few years, you might be wondering if you’re still getting the best deal—or if it’s time to access some extra funds.

Many of our clients refinance to:

• Pay out high-interest credit cards or personal loans
• Renovate their home
• Cover major life events such as a wedding or holiday
• Improve their financial position with lower repayment

If you think refinancing is too much work, think again—at Loanworx, we do all the heavy lifting for you.

How Much Could You Save?

Refinancing your existing loan can deliver significant savings. If you haven’t reviewed your home loan in the last two years, you could be paying more than you need to.

Example: A 0.25% rate reduction on a $500,000 loan over 30 years can save you around $25,000 in interest over the life of the loan. That’s what we call “easy money”.

Refinance Without the Hassle

Switching lenders is easier than you think. With access to over 40 lenders and the latest loan-matching software, we find solutions tailored to your needs, including:

• Variable or fixed rate home loans
• Interest-only or principal & interest repayments
• Extra features like offset accounts, redraw facilities, and flexible repayment options

We’ll narrow down thousands of products to a handful of the best options for you, explain the features in plain English, and help you choose the one that fits your goals.

How Long Does Refinancing Take?

The refinancing process typically takes 5–6 weeks from start to finish, but some lenders can complete it in as little as 3–4 weeks if you need things done quickly.

Why Refinance with Loanworx?

• Access to over 40 banks and specialist lenders
• Potential to save thousands in interest repayments
• Flexible loan options and features to suit your lifestyle
• A simple, stress-free process handled by our experienced brokers

Finance for Building Your Dream Home or Investment Property

Building a property—whether to live in or as an investment—can be both exciting and complex. Lenders often apply different policies depending on factors such as:

• Whether the land is titled or untitled
• If building permits are in place
• Location and zoning (e.g., rural land or lots over a few acres)
• Your timeline to build

At Loanworx, our mortgage brokers specialise in navigating these complexities to help you secure the right construction finance.

Tailored Construction Loan Options

No two projects are the same. Whether you are:

• An owner-builder managing the project yourself
• Purchasing a house and land package from a builder or developer
• Buying land first, then engaging a builder later
• Taking on a multi-property development project

We’ll review your contracts, structure your loan correctly, and match you with a lender that understands your specific needs.

How Construction Finance Works

Most lenders release funds in stages as your builder completes the project. At Loanworx, we’ll explain each stage of the progress payment process and support you every step of the way—from the first drawdown through to project completion.

Why Choose Loanworx for Construction Finance?

• Access to a wide panel of lenders offering land, construction, and development loans
• Experienced brokers who understand the challenges of building projects
• Personalised support to ensure your finance runs smoothly
• Guidance to help complete your project quickly so you can enjoy the benefits sooner