FIRST HOME OR NEXT MOVE
A place of your own.
A clearer way forward.
Home loan conversations for people across Australia. Buying your first home, moving to your next place or navigating self-employed income? Start with your goals and explore the next steps with a broker partner.
Build a budget beyond the deposit.
Consider legal and conveyancing fees, property inspections, government charges where applicable, moving costs and a buffer for unexpected expenses. After settlement, allow for rates, insurance, maintenance and owners corporation fees where relevant. The amount a lender offers is not the same as a budget you are comfortable living with.
Understand repayments before you commit.
Use the homepage calculator to explore loan amounts, interest rates and loan terms. Try a higher interest rate to see how repayments could change. Estimates are illustrative and do not include every cost or assess your borrowing capacity. A broker can discuss the assumptions and actual lender requirements.
PAYG or self-employed, tell the whole story.
Employees, sole traders, contractors and business owners can have different evidence to provide. Explain how you earn, your regular expenses and existing commitments. A lender assesses both income and your ability to repay, along with the property and other criteria. There is no universal approval rule.
Ask what pre-approval really means.
A conditional pre-approval is not a guarantee of final approval. Ask about its conditions, expiry and any property restrictions. Obtain legal or conveyancing advice before signing a contract and understand finance clauses and auction conditions before making a commitment.
Compare a loan you can live with.
Consider the interest rate, comparison rate where available, fees, loan term and features. Ask about offset accounts, redraw, repayment flexibility and fixed rate restrictions. A broker should explain the options they can offer, their lender panel and how they are paid. Ask about any fee payable by you.
From Melbourne to anywhere in Australia.
Sole Trader Finance is a referral service connecting people with broker partners. We are not a lender. Send an initial enquiry without financial documents, and we will ask permission before sharing your details with a partner.
General information only. This page does not assess borrowing capacity, eligibility or recommend a loan. Loan availability, rates, fees, terms and government assistance depend on current criteria and your circumstances.
Also explore: Low doc home loans · Self-employed home loans · Refinancing