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Home Loans Made Simple When Done the Right Way

Strategic home loan solutions designed to secure the right rate, structure, and long-term outcome.

Speak to a Home Loan Specialist

Introduction – Home Loan Solutions

Securing a home loan is one of the most significant financial decisions you will make and it’s about far more than just finding a low interest rate. The right home loan must be structured correctly from the start to suit your income, lifestyle, future plans, and risk profile.

At Grange Finance, we specialise in home loans across Australia, helping borrowers navigate lender policy, interest rate options, and loan features with clarity and confidence. As an experienced mortgage broker in Australia, we compare lenders, negotiate on your behalf, and ensure your loan is sustainable today and adaptable for the future.

Who This Service Is For

Our home loan service is designed for individuals and families at every stage of the property journey.

This includes:

  • First home buyers entering the market
  • Homeowners upgrading or downsizing
  • Property investors building long-term wealth
  • Borrowers seeking to refinance for better rates or features
  • Self-employed and complex income earners needing specialist support

If you’re looking for guidance on how to apply for a home loan or want access to some of the best home loan rates in Australia, we provide tailored advice and not one-size-fits-all solutions.

What Is a Home Loan?

A home loan is a financial facility that allows you to purchase or refinance residential property in Australia. While the concept is simple, loan structures, interest rates, and lender policies vary significantly.

Choosing the wrong loan can cost you tens of thousands over time. That’s why working with an experienced home loan broker in Melbourne (and nationally) can make a meaningful difference to your outcome.

Types of Home Loans in Australia

We source and structure a wide range of Australia home loans, including:

  • Owner-Occupied Home Loans – For primary residences
  • Investment Property Loans – Designed for wealth creation
  • Principal & Interest Loans – Reduce debt over time
  • Interest-Only Loans – Suitable for specific strategies
  • Low Deposit Home Loans – Subject to eligibility

Our role is to align the loan type with your financial goals, not just lender approval.

Fixed vs Variable Rate Options

Choosing between fixed and variable rates can significantly impact your repayments and flexibility.

Fixed Rate Home Loans

  • Predictable repayments
  • Protection from interest rate rises
  • Ideal for budgeting certainty

Variable Rate Home Loans

  • Flexibility with extra repayments
  • Access to offset and redraw features
  • Potential to benefit from rate reductions

We help clients balance certainty and flexibility to secure low interest home loans in Australia without sacrificing control.

Loan Features That Matter

Modern home loans offer features that can dramatically reduce interest and improve cash flow:

  • Offset Accounts – Reduce interest while keeping funds accessible
  • Redraw Facilities – Access extra repayments when needed
  • Split Loans – Combine fixed and variable components

When structured correctly, these features can outperform headline rates alone — even against the best home loan interest rates Australia advertises.

Buying vs Refinancing

Buying a Home

We guide you through:

  • Borrowing capacity assessment
  • Pre-approval
  • Lender comparison
  • Application and settlement

Refinancing an Existing Loan

Refinancing may allow you to:

  • Secure a lower interest rate
  • Reduce monthly repayments
  • Access equity
  • Improve loan features

We review whether your current loan still competes with the best home loans Australia has available today.

Government Schemes & Grants (Overview)

Eligible borrowers may benefit from:

  • First Homeowner Grant (FHOG)
  • First Home Guarantee Scheme
  • Stamp duty concessions
  • Lenders Mortgage Insurance (LMI) reductions

We help you understand what you qualify for and ensure these benefits are factored into your loan strategy correctly.

Why Choose Us for Home Loans

✔ Experienced Mortgage Brokers Australia-Wide

We understand lender policy, not just interest rates.

✔ Access to Leading Lenders

We compare major banks and specialist lenders to find competitive options.

✔ Strategy-Driven Advice

Every loan is aligned with long-term goals, not short-term incentives.

✔ End-to-End Support

From initial consultation through settlement – and beyond – we stay involved.

Home Loan Process

  1. Initial Strategy Call – Understand your goals and position

  2. Loan Comparison – Identify suitable lenders and structures

  3. Recommendation – Clear explanation of options and outcomes

  4. Application & Approval – We manage documentation and lender communication

  5. Settlement & Ongoing Support – Assistance even after your loan settles

FAQs

  • 1. How do I apply for a home loan?

    Start with a consultation. We assess your position, recommend lenders, and manage the application.

  • 2. What affects home loan interest rates in Australia?

    Income, credit history, deposit size, loan structure, and lender policy all play a role.

  • 3. Can you help self-employed borrowers?

    Yes — we work with lenders experienced in alternative income structures.

  • 4. Are brokers more expensive than going direct to a bank?

    No — our service is generally paid by the lender, not the borrower.