Save on your taxes with a salary sacrifice home loan.

  • Save thousands on tax! Reduce your taxable income by salary sacrificing your pay into your mortgage repayments.
  • Borrow up to 95% of the property value just like everyone else.
  • Maximize the amount you can borrow with a lender who can accept 100% of your packaged income.
  • Don’t risk getting declined. We know lenders who understand how salary packaging works.

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

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What is salary sacrificing / salary packaging?

Salary sacrificing or salary packaging is when you arrange to receive part of your salary to meet ongoing commitments such as loans. This means that you only have to pay taxes on the remaining salary amount which will help you save money.

You can use a salary sacrificing arrangement to pay for home loans, car loans, school fees, child care, etc. You may also choose to add it to your superannuation.

Do most banks accept packaged incomes?

Some banks may not accept salary packaging because they don’t understand how it works. They may end up declining the loan because they think that the borrower cannot afford the repayments.

Our mortgage brokers know which banks will assess your full income and which documents you need to provide to make your mortgage approval a simple process.

Can I salary sacrifice my mortgage repayments?

Being able to salary sacrifice your mortgage repayments will depend on the industry and the organisation you work for.

It is recommended that you first speak to your HR department and ask if they can allow you to salary package your mortgage and find out if there are any implications for other expenses that you have packaged.

Which organisations usually allow for salary sacrificing?

The most common industries that allow for salary sacrificing are the health industry, charities and NGOs. Usually these type of benevolent organisations pay less than other companies so employees are given this benefit as an incentive.

We’ve lent more than $1 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

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