Business Details
Your Trusted Mortgage Brokers for Home Loans
Positive Home Loans specialises in home lending, prioritising service and trust to deliver tailored financial solutions. Our team of experienced Home Lending Specialists and Lending Administrators guide clients through every stage of the home loan process, from initial enquiry to settlement. We assist with debt consolidation, first homes, refinancing, investment properties, and renovation funding, offering access to over 30 lenders including major banks.Our commitment to a seamless experience is reflected in fast pre-approvals within one working week and personalised consultations. With a focus on long-term client relationships, we provide free property valuations, obligation-free advice, and comprehensive tools like loan calculators to empower informed decisions. Our expertise in navigating complex mortgage markets ensures clients secure competitive rates and features aligned with their financial goals.
Services
Home Loans
Refinancing
Property Investment
Construction Loans
Bad Credit Home Loans
Guarantor Loans
First Home Buyers
Debt Consolidation
Mortgage Brokering
Loan Calculators
Highlights and features
- We offer personalised service tailored to your financial goals.
- Access to over 30 lenders, including major banks, for competitive rates.
- Fast pre-approvals within one working week.
- Free property valuation and obligation-free consultations.
- Experienced home lending specialists with years of industry expertise.
Associations and certifications
- Australian Credit License
- Accredited Mortgage and Finance Broking Company Australia
Services
Home Loans
We provide tailored home loan solutions for purchasing primary residences or investment properties. Our brokers compare over 30 lenders to secure competitive rates and features. Clients benefit from fast pre-approvals, flexible repayment options, and expert guidance through the entire loan process.
Refinancing
Our refinancing specialists help reduce interest costs, consolidate debts, or access equity through better loan terms. We assess market options and handle the transition between lenders to ensure seamless outcomes aligned with your financial goals.
Property Investment
We offer investment property loans with features like interest-only payments and offset accounts. Our experts guide clients on tax benefits, equity growth strategies, and selecting properties with strong capital appreciation potential in high-demand markets.
Construction Loans
Specialised loans for self-build projects with progressive drawdowns aligned to construction stages. We provide interest-only payments during building phases, fixed-rate options, and assistance with government grants to support custom home construction.
Bad Credit Home Loans
We help clients with credit challenges secure home loans through specialist lenders. Our brokers assess individual circumstances to find solutions that balance affordability with responsible borrowing, often improving terms as credit profiles strengthen.
Questions
How can I own my own home sooner?
We offer home loans with deposits as low as 5% and strategies like extra repayments, offset accounts, and refinancing to accelerate equity growth.
Do I need a home loan pre-approval before bidding at auction?
Yes, pre-approval ensures you bid within your budget and demonstrates financial readiness to vendors.
What documentation is required for a home loan application?
Required documents include identification, income proof, bank statements, loan details, and property contracts or building agreements.
Will I need Lender's Mortgage Insurance?
If your deposit is less than 20%, LMI is typically required to protect lenders against default risk.
How do I increase or decrease my repayments?
Variable rate loans allow flexible repayment adjustments, while fixed-rate loans may require waiting until the term ends.
What is a comparison rate?
A comparison rate combines interest rates and fees to provide a transparent view of a loan's true cost.
