Residential Home Loans
Whether you're purchasing your first home, upgrading the family residence, or downsizing, we compare hundreds of products across 40+ lenders to secure the most competitive structure.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Access to 40+ Top Australian Lenders
We negotiate across major banks, tier-two lenders, and non-bank institutions to pinpoint the most favorable terms.
Full Offset & Redraw Optimization
Maximize your interest savings with 100% offset accounts and flexible redraw facilities tailored to your cash flow.
Auction-Ready Pre-Approvals
Bidding at auction requires certainty. We secure robust pre-approvals so you can bid with total confidence.
Value Added Service
Our comprehensive advisory and application management is provided at $0 out-of-pocket cost — we are paid by the lender upon settlement.
Calculate Your Home Loans Numbers
Test scenarios using real-time Australian lending criteria.
The Home Loans Approval Process
Discovery & Capacity Assessment
We analyze your income, assets, and liabilities to determine your borrowing capacity.
Lender & Product Comparison
We model loan options from our 40+ panel, identifying the lowest total cost and best features.
Application & Submission
We prepare and submit your application with clear packaging to fast-track credit approval.
Formal Approval & Settlement
We coordinate with conveyancers and lenders through to settlement, continuing with annual rate reviews.
Home Loans Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.
How long does home loan pre-approval take, and how long is it valid?
Pre-approvals typically take between 2 to 7 business days depending on the lender's credit processing queue and the complexity of your income structure. Once issued, a formal pre-approval is usually valid for 90 days (and can be extended with updated payslips). Having pre-approval ensures you know your exact borrowing ceiling and allows you to make offers or bid at auction with certainty.
What is the minimum deposit required to buy a home in Australia?
While traditional bank policies prefer a 20% deposit to avoid Lenders Mortgage Insurance (LMI), you can purchase with as little as a 5% deposit through the Federal Government's First Home Guarantee (FHBG) scheme with zero LMI, or via a Family Guarantee structure with 0% cash deposit. For standard purchases without schemes, 5% to 10% deposits are widely accepted with LMI capitalized into the loan.