First Home Buyers, Refinancing & Investment Property Loans. Compare 40+ lenders through your local Ballarat mortgage broker.
Compare rates from 40+ lenders in minutes
Looking for a trusted home loan broker in Ballarat? Navigating the home loan market can be overwhelming, with dozens of lenders, hundreds of products, and constantly changing interest rates. That is where our network of experienced mortgage brokers can help.
Our partners provide access to over 40 lenders, including major banks, credit unions, and specialist lenders. They do the research, compare the options, and present you with loan products tailored to your specific situation, whether you are buying your first home, refinancing for a better rate, or building an investment portfolio.
Based in Ballarat and serving all of regional Victoria, our network understands the local property market, growth areas, and what it takes to secure finance in regional areas.
Our partners are legally obligated to act in your best interests, not the lender's.
No cost to you. Brokers are paid by the lender when your loan settles.
One application, 40+ lenders compared. We handle the paperwork.
From your first home to your investment portfolio, our network of mortgage brokers offers comprehensive home loan solutions for every stage of life.
Access government schemes like the First Home Guarantee with just 5% deposit and no LMI. Our partners guide first home buyers through stamp duty concessions, the First Home Super Saver Scheme, and help you understand your borrowing power. From October 2025, the First Home Guarantee is available to all eligible buyers.
Is your current rate competitive? Our partners review your existing home loan and compare it against current market offerings. Access equity for renovations, consolidate debt, or simply secure a better rate. A free rate review could save you thousands over the life of your loan.
Build your property portfolio with investor-friendly lenders who understand investment strategies. Our partners help structure loans tax-effectively, compare interest-only options, and find lenders comfortable with multiple properties. Whether your first investment or your fifth.
Building your dream home requires specialised finance. Our partners arrange progress draw facilities that release funds as construction milestones are reached. Whether building on your own land, a house and land package, or a knock-down rebuild, we find lenders experienced with construction lending.
Standard income verification does not work for everyone. Our partners specialise in low-doc loans for business owners, ABN holders, and self-employed borrowers. Alternative income verification methods, accountant declarations, and specialist lenders who understand business income.
Family pledge or limited guarantee options help buyers enter the market sooner. Our partners explain how guarantor loans work, the obligations involved, and find lenders with family-friendly guarantee structures. Help your children into their first home while protecting your own assets.
From initial consultation to settlement, our streamlined process makes getting a home loan straightforward. Most applications are approved within 2-4 weeks.
Discuss your goals and financial situation. Your broker assesses your borrowing power, explains your options, and outlines the best approach for your circumstances. No obligation, no cost.
Your broker compares products from 40+ lenders and presents the best options for your situation. We explain rates, features, fees, and help you understand the comparison rate.
We handle the paperwork, submit your application, and chase lenders for updates. Pre-approval typically takes 48-72 hours, giving you confidence when making offers.
We coordinate settlement deadlines and keep you informed throughout. Post-settlement, your broker provides annual reviews to ensure you stay on the best deal.
Our network connects you with licensed, accredited mortgage brokers who are legally obligated to act in your best interests.
All brokers in our network operate under an Australian Credit Licence and are regulated by ASIC. They hold AFCA membership for dispute resolution and maintain professional indemnity insurance for your protection.
Understanding Ballarat and regional Victoria matters. Our partners know the local property market, growth suburbs like Alfredton and Delacombe, and have relationships with lenders comfortable financing regional properties.
Access to major banks, credit unions, non-bank lenders, and specialist financiers. More choice means better rates and more options for complex situations. Competition works in your favour.
Since January 2021, mortgage brokers have been legally required to act in your best interests, not the lender's. Our partners prioritise your outcome, providing transparent, unbiased advice backed by law.
Home Loan Broker Ballarat connects consumers with vetted mortgage broker professionals. Individual service providers maintain their own licences and credentials including Australian Credit Licence authorisation.
Common questions about home loans, mortgage brokers, and the lending process in Ballarat.
Yes, our service is completely free to you. Mortgage brokers are paid a commission by the lender when your loan settles. This does not affect your interest rate or loan terms. Using a broker often means access to better rates through established lender relationships and volume-based pricing.
First home buyers can access several schemes including the First Home Guarantee (5% deposit, no LMI), the First Home Super Saver Scheme, and Victorian first home buyer stamp duty concessions. From October 2025, the First Home Guarantee is open to all eligible first home buyers with no annual caps on places.
Traditionally 20% is required to avoid paying Lenders Mortgage Insurance (LMI). However, with government schemes like the First Home Guarantee, eligible buyers can purchase with as little as 5% deposit and no LMI. Some lenders also offer 10% deposit options. Your broker can explain all available options.
Pre-approval can often be obtained within 48-72 hours. Full unconditional approval typically takes 2-4 weeks depending on the lender and application complexity. Having your documents ready upfront significantly speeds up the process. Your broker will provide a checklist and manage the timeline.
This depends on your circumstances. Fixed rates provide certainty with locked repayments, ideal if budgeting is important or you expect rates to rise. Variable rates typically offer more flexibility with features like offset accounts and unlimited extra repayments. Many borrowers choose a split loan combining both.
Typically you need identification (passport or driver licence), proof of income (recent payslips or tax returns), bank statements covering 3-6 months, details of existing debts and credit cards, and property details once you have found somewhere. Self-employed applicants may need additional business financials.
Consider refinancing if interest rates have dropped since you took out your loan, your financial situation has improved (potentially qualifying for a better rate), you want to access equity for renovations or investment, or your current lender simply is not competitive. A rate review costs nothing and could save thousands.
A broker compares loans from 40+ lenders, saving you countless hours of research. We negotiate on your behalf, handle all the paperwork, and are legally required to act in your best interests. Banks only offer their own products and policies, while brokers find the best fit across the entire market.
Have more questions? Our mortgage brokers are happy to help.
Contact UsProudly helping Ballarat families and investors achieve their property goals. Our network of mortgage brokers services the Greater Ballarat region and all of regional Victoria, whether you prefer face-to-face meetings, phone consultations, or video calls.
With Ballarat's median house price in the mid-$500,000s and strong population growth projected to exceed 170,000 by 2041, now is an excellent time to explore your home loan options with a local expert who understands the regional market.
Do not see your suburb? We service all of regional Victoria.
Get Home Loan HelpTake the first step toward your property goals. Whether you are a first home buyer in Ballarat, looking to refinance, or building an investment portfolio, our network of experienced mortgage brokers is ready to help.
Get a free, no-obligation quote and discover how much you could borrow. We will call you within 2 business hours.
Monday - Friday: 9:00am - 5:00pm
Saturday: By appointment
Sunday: Closed