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90% home loan.
Which bank will approve your loan?

  • Get a discounted interest rate and LMI premium.
  • Most deposit source accepted including gifts & loans.
  • Don’t pay Lenders Mortgage Insurance (LMI) upfront.

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Our award-winning mortgage brokers will find you the right home loan for your situation.

HLE Awards-Top10 HLE-Awards-AMA Finalist HLE-Awards-Telstra Award

Do I qualify for a 10% deposit loan?

  • Loan purpose: Purchase, refinance or build an owner occupied or investment property. Debt consolidation on a case by case basis.
  • Credit history: Minor paid utility defaults and other small defaults are sometimes acceptable if your application is strong.
  • Other debts: You must be paying your current liabilities such as rent, credit cards and personal loans on time.
  • Employment: Stable employment is preferred, generally 6 months in your current job or 2 years in the same line of work.
  • Income: You must be strong financial position to pay the home loan.
  • Savings: 5% of the purchase price that you’ve saved yourself over 3 months is not required by all lenders. Conditions apply.

How do I get a 1.10% rate discount?

To qualify:

  • Applicable for all loans over $500,000 and then the discount drops to 1.00% for all loans over $250,000 up to $500,000.
  • Purchases and refinances are both accepted.
  • You don’t need savings of your own to cover the cost of the deposit if you’re paying rent.
  • You can borrow no more than 90% of the property value plus Lenders Mortgage Insurance (LMI) (up to 95% on a case by case basis).
  • You must have been in current your job for at least 3 months, with 24 months in the same line of work.
  • You need a perfect credit history.

Can I get a 90% home loan over $1 million?

Most lenders will only approve a 90% mortgage up to $1,000,000.

One of our banks has an agreement with their mortgage insurer and so can consider a 90% loan up to $2,000,000 for people who are in an exceptionally strong financial position.

We’ve lent more than $4 billion+ Australia-wide.

  • They walked us through the process step by step

    We would like to say thank you to Hank from Home Loan Experts for all his help in getting us a guarantor loan.

    We were really unsure if we would ever get an approval for a home loan, but Hank immediately knew the right lender to approach for our situation, and made the whole process simple…

    We would definitely recommend Home Loan Experts to anyone. Thanks again to Hank and the team from Home Loan Experts for making it possible for us to own our first home.

    Ianthe S & Jadobi l, Carina QLD

  • A very friendly, professional and helpful team

    The team was very friendly, professional, helpful and went out of their way to get the right loan that was suitable for us… I recommend this service for those who find it very hard to purchase a property going directly to a bank. Thank you Home Loan Experts, you have finally given my family and me the opportunity to own a beautiful home.

    Denise H, Epping VIC

  • A lot smoother and less stressful than having to deal with banks as an individual

    Our mortgage broker was very personable and made us feel like he went above and beyond to assist us in getting our home loan. He had a great knowledge of guarantor home loans which set our minds at ease. He was happy to answer any questions even outside business hours and responded in a professional and timely manner. As a second home buyer I would recommend going through the home loan experts as this process was a lot smoother and less stressful than having to deal with banks as an individual. I would especially recommend Hoa to others.

    Melissa H & Rhys B, Wynnum West QLD

  • Exceeded my expectations in terms of results

    Throughout the process I felt confident in knowing I could rely on you and at no stage did I ever feel that trust could be an issue with you. You have exceeded my expectations in terms of results and have done this with very short notice. You are an asset to your company and a role model to your profession… I already have and will continue to recommend your services to friends and family.

    Thomas M & Tanya W, Botany NSW

  • So easy to speak to no matter how stressful the situation

    We are both so grateful to Amine for all of his hard work and great advice over the past year! It’s been such a long journey… We are starting to settle into our new home in Trentham now. It is just so beautiful and relaxing! We really love it and are so happy with our purchase. Amine was right all along – things happen for a reason! Thank you Amine for always being there for us.

    Tanya & Andrew B, West Melbourne VIC

  • He even made a guarantor loan from our parents seem effortless!

    After the roller coaster ride of going cap in hand to the bank manager, only to be turned away… we found Tony. What a refreshing change! Within a 2 week time frame, we had approval and were able to follow the normal approval process to get the loan…. With Tony’s inside knowledge on how lenders think he was able to approach the bank with an excellent case and really put us in a great position in the lender’s eyes…. We recommend Tony and Home Loan Experts strongly and will be using them for our next purchase…

    Julie W & Luisa C, Waikiki WA

We are experts at finding the right home loan solution
for our customers. Let us help you.

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