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Home Loans in Australia
Choosing the right home loan is one of the most important financial decisions you’ll make. With dozens of lenders, constantly changing policies, and a wide range of loan structures available, it’s easy to feel uncertain about whether you’re making the right choice – especially when the implications last decades.
At Palisade Brokers, we help Australians navigate home loans with clarity and confidence. Whether you’re buying your first home, upgrading, building, refinancing, or reviewing an existing loan, our focus is on structuring finance that supports your lifestyle today and your goals tomorrow.
As a broker-led business, we don’t work for the banks – we work for you. We compare lenders, explain options in plain English, and guide you through the process end-to-end so you can make informed decisions without unnecessary stress.
Home Loan Options We Help With
Palisade Brokers provide advice and access across a full range of residential home loan solutions:
- Owner-Occupied Home Loans – for properties you live in
- Construction & Renovation Loans – funding builds and major renovations
- Home Loan Refinancing – restructuring or replacing existing loans
- Unsecured Personal Loans – non-property lending for personal needs
Each option is structured differently, assessed differently, and suited to different goals. Our role is to help you choose the right pathway, not just a competitive rate.
What Is a
Home Loan?
A home loan is a form of finance used to purchase, build, or refinance residential property. While most home loans follow a similar framework, the structure, features, and lender policy can vary significantly.
Home loans may include:
- Variable, fixed, or split interest structures
- Offset and redraw facilities
- Different repayment options
- Loan terms typically up to 30 years
The right home loan isn’t just about approval, it’s about flexibility, sustainability, and long-term suitability.
How Home Loans Are Assessed
When assessing a home loan, lenders typically consider:
- Income and employment structure
- Existing debts and liabilities
- Credit history
- Property type and location
- Deposit or usable equity
Because lender policies differ, the same borrower can receive very different outcomes depending on which lender assesses the application.
If you’re unsure where you stand, start by estimating your position using our Borrowing Power Calculator.
Why Loan Structure Matters
A poorly structured home loan can:
- Limit future borrowing capacity
- Increase interest paid over time
- Reduce flexibility when circumstances change
- Make refinancing more difficult later
At Palisade Brokers, we look beyond the immediate approval to ensure your loan structure supports future plans, ensure your loan structure supports future plans such as residential investment loans or equity access.
Who Home Loans Are Best Suited For
Home loans may suit:
- First home buyers
- Families upgrading or downsizing
- Self-employed borrowers
- Homeowners reviewing existing loans
- Borrowers planning renovations or future investments
If your situation involves complex income, limited documentation, or time pressure, we can also explore specialist lending options where appropriate.
Our Approach to Home Loans
We take a structured, broker-led approach to home lending:
- Strategy before product
- Lender comparison based on policy, not marketing
- Clear explanation of trade-offs
- Support from application through settlement
- Ongoing reviews as circumstances change
Our goal is to make the process clear, calm, and informed – not rushed or sales-driven.
Our Home Loan Process
- Initial Strategy Discussion
Understand your goals, circumstances, and timeline. - Assessment & Structure Review
Review borrowing capacity, deposit or equity, and loan options. - Lender Selection & Application
Match you with suitable lenders and manage the application. - Approval, Settlement & Ongoing Support
Support through settlement and future loan reviews.
Related Home Loan Options You May Want to Explore
Explore our dedicated pages for specific home loan scenarios:
Frequently Asked Questions
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Borrowing capacity depends on income, expenses, debts, and lender policy. We assess this upfront.
Speak with a Home Loan Specialist
