16+ years in business
$5 billion+ loans settled
Fast & confidential loan process
Picture of a man thinking what Bricklet Shared Equity Model is

What Is Bricklet Shared Equity Model?

  • In this model, there are three parties involved: You, investors from Bricklet and AMP.
  • Investors from Bricklet will put in 20%-40% of the purchase price of the house.
  • You pay rent on that share. The rest will be financed by your deposit and mortgage.

You qualify for this model if:

  • You have a high or stable income.
  • You are able to cover stamp duty and Bricklet fee.
  • You pass AMP’s serviceability and qualifications.
Picture of a woman wondering how Bricklet Shared Equity Works

How Does It Work?

  • You make an upfront payment of the Bricklet fee, stamp duty and deposit.
  • Investors from Bricklet will put in 20%-40% of the purchase price of the house.
  • Get a mortgage from AMP bank for the remaining amount.
  • You eventually buy back the share of equity from investors.

Example: On a house with a purchase price of $800,000,

  • You put in $20,000 as a deposit, apart from the stamp duty and Bricklet fee.
  • Investors from Bricklet put in $200,000(which is 25% of the property value) and share equity with you
  • You apply for a mortgage of $580,000 and don’t have to pay LMI.

We love winning awards

ABA office of the year 2019
AMA australian brokerage of the year
AMA brokerage of the year
ABA Customer service award 2016
BBA Customer service award 2016

Don’t believe us, hear from our customers

Amy testimonial-review-star

The team at Home Loan Experts has been wonderful to deal with, paying close attention to all our needs. Always very prompt, communicating clearly, explaining each step and a great attention to detail.

Josh S testimonial-review-star

I needed a loan for my land and a separate one for the construction. It was a bit of a lengthy ordeal (due to the complexity of the loan). The team took care of both, I can’t imagine how long it would have taken if I had to do all the work.

Jeff L testimonial-review-star

Very happy with HLE. They look after you and regularly will check if there is anything that can help with. Had several occasions where they would take it upon themselves to look for best rates. Nothing more welcoming than hearing that they managed to get a lower rate than what we are currently on.


4.8 out of 1600+ reviews


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4.7 out of 720+ reviews

How does Home Loan Experts stand out

We get tough loans approved

  • We are experts at helping customers with unusual circumstances.
  • Where other brokers have failed, we regularly get an approval from reputable lenders.

Fast approval, easy process

  • We can assist you in navigating often complex processes.
  • We’ve got your back through pre-approval and application.

We aren’t owned by banks

  • Our expert mortgage brokers will provide you with down-to-earth home loan advice.
  • As a credit licence holder, we’re required by Australian law to help you with the best.

Free upfront valuations

  • Get a good indication of how much the bank will allow you to borrow.
  • Learn the ways to overcome the barriers to home loan approval from us.

Brokers you can trust

  • In a crowded market, it’s hard to know whom you can trust.
  • We regularly provide commentary to The Sydney Morning Herald, The Age, news.com.au, The Adviser and Australian Broker.

The best post-settlement service

  • Our post-settlement team assists and guides you throughout the life of your home loan.
  • We answer your post-settlement queries, and also help you make changes, additions and amendments to your loan.

50+ lenders for you to choose from

Our brokers will compare thousands of home loans to find you the best fit.