Melbourne-based mortgage broker · Helping borrowers Australia-wide
Loan Experts compares home loans from 80 lenders, handles the paperwork and stays with you after settlement.
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Tell us where you are. We'll show you which lenders fit, what they'll lend and what it will cost.
Different lenders treat the same income very differently. Matching you to the right policy is where a broker earns their keep.
LMI Waivers at up to 95% LVR with selected lenders
One year of tax returns, BAS or an accountant’s letter
Avoid lenders mortgage with less than 20% deposit. Only 5% deposit required.
Lenders that accept WorkCover payments as income
Buy your next home before you sell the current one
Property loans for self-managed super funds
Australian citizens overseas and temporary residents
Use family equity instead of a full deposit. Pay little to no deposit and borrow upto 105% of the property value
We help customers with unique circumstances. Where others fail, we secure approvals from top lenders.
Your journey is unique, so is our approach. We provide solutions based on your current and future needs.
No hidden fees, no confusing jargon, just transparency. Ongoing care and support beyond settlement of your loan.
Chinmay came to home loans from research and grants management. He makes a complicated process simple, explains every option in plain English, and helps clients choose with confidence.
Priti came to lending from residential construction and real estate, so she knows the property side as well as the finance. Expect clear advice and regular updates, with no surprises.
Sanket came to home loans from IT and a love of numbers. He loves seeing first home buyers get their keys, and keeps clients updated from first chat to settlement.
Calculate your estimated home loan repayments. Adjust your interest rate, loan term and extra repayments to see how they affect your loan.
Estimate only. This calculator does not include fees, rate changes or other loan-specific charges.
We work by phone, video call and email, so you get the same service wherever you live. No office visit needed.
Melbourne, VIC Serving all states
03 7034 6634
hello@loanexperts.au
Monday to Friday 8 am to 6 pm & Saturday 9 am to 2 pm
Clear answers to help you make confident home loan decisions in Melbourne.
For most residential home loans, nothing. The lender pays the broker a commission when your loan settles, and our Credit Guide sets out exactly how we’re paid. If a specialist or commercial loan carries a fee, we tell you upfront, in writing, before you go ahead.
It depends on your income, living expenses, existing debts and deposit, and on how each lender assesses them. Lenders test your repayments at a rate above the one you’ll actually pay. Our borrowing power calculator gives an estimate; a broker can show how it changes between lenders.
Yes. Eligible buyers can use the Australian Government’s 5% Deposit Scheme, run by Housing Australia, or a lender’s own low-deposit loan. Property price caps and eligibility rules change, so check the current figures on our 5% Deposit Scheme guide (Updated 04/11/26).
Talking to us and comparing options doesn’t. A credit enquiry is recorded when a formal application goes to a lender, so we shortlist first and only apply where approval is likely.
Yes. Most lenders ask for two years of tax returns, but some accept one year, and low doc lenders may accept BAS statements or an accountant’s letter instead, usually at a slightly higher rate.
Typically 1-3 weeks from application to settlement, depending on the lenders involved and how quickly documents are provided.
