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Home Loans Sydney

The Right Home Loan.
Not Just Any Loan.

John Pierre Saliba compares 50+ lenders to find the home loan that fits your life — the right rate, the right features, and the right structure for where you're headed.

✓ 50+ Lenders✓ Free Service ✓ MFAA Accredited✓ ACL 511092
📅 Book Free Consultation 📞 02 8046 3933
50+
Lenders on Panel
10+
Years Experience
77
5-Star Reviews
Free
No Broker Fees
Why Use a Broker
Your bank has one set of rates. We have 50+.

When you go directly to your bank, they assess your application against their own products and policies. If you don't fit, you're declined — or worse, approved for something that doesn't work for you long-term.

As an MFAA accredited broker with access to over 50 lenders — including the major banks, second-tier lenders, and specialist lenders — we can find you a loan that actually fits: the right LVR, the right features, the right rate, and the right lender policy for your income type.

And because we're paid by the lender after settlement, our service costs you nothing.

Under the Best Interests Duty, we are legally required to recommend the loan that's best for you — not the one that pays us the most commission.
What We Compare
It's not just the rate.

A great home loan isn't just the lowest rate. We compare:

  • Interest rate — variable, fixed, and split options
  • Comparison rate — the true cost including fees
  • Offset account availability and how it works
  • Redraw facility and conditions
  • Extra repayment limits and break costs
  • Annual fees, application fees, and ongoing charges
  • Lender serviceability calculations for your income type
  • Policy flexibility for future investment or refinancing

We then explain the tradeoffs clearly — so you can make an informed decision, not just accept whatever your bank offers.

Loan Types
Which home loan is right for you?
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Variable Rate Loans

Rate moves with the market. Usually offers offset accounts, redraw, and unlimited extra repayments. Best for borrowers who want flexibility and plan to pay down their loan faster.

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Fixed Rate Loans

Rate locked for 1–5 years. Certainty on repayments regardless of RBA changes. Limited extra repayments and usually no offset. Best when rates are expected to rise.

⚖️

Split Loans

Part fixed, part variable. Get certainty on a portion of your loan while keeping flexibility on the rest. A popular middle-ground for Sydney buyers.

💰

Offset Home Loans

Every dollar in your offset account reduces the interest you pay. On a $700k loan, $50k in offset saves ~$3,000/year in interest. A must-have feature for most borrowers.

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Principal & Interest

Repayments reduce the loan balance from day one. Lower rate than interest-only. The standard choice for owner-occupied home loans.

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Interest Only

Pay only the interest for a set period (typically 1–5 years). Lower repayments now, no equity built. Common for investment properties and short-term cash flow strategies.

The Process
How it works with Lend & Loan
1

Free Consult

We understand your situation, goals, income, deposit, and timeline. No paperwork yet.

2

Lender Search

We identify the best-fit lenders from our panel of 50+ and present your options clearly.

3

Application

We prepare and lodge your application, manage the lender, and keep you updated.

4

Settlement

We get your loan across the line. And we stay in touch for rate reviews and future plans.

FAQ
Common questions about home loans
How much deposit do I need?
Most lenders require a minimum 5% deposit. With less than 20%, you'll generally pay Lenders Mortgage Insurance (LMI). First home buyers may qualify for the First Home Guarantee (5% deposit, no LMI) or Family Home Guarantee (2% deposit for single parents). Some professions — doctors, dentists, lawyers — can access LMI waivers up to 95% LVR.
What's the difference between pre-approval and approval?
Pre-approval (also called conditional approval) is an assessment of your borrowing capacity before you've found a property. It gives you confidence to bid or make offers. Formal approval happens after you've found a property and the lender has completed their full credit assessment and property valuation. Pre-approval typically lasts 90 days.
How long does the home loan process take?
Pre-approval: 24–72 hours in most cases. Formal approval after a property is found: 3–10 business days. Settlement (after formal approval): typically 4–6 weeks from exchange of contracts, though this is set by the vendor and solicitors. We manage the lender side of this timeline actively so there are no unnecessary delays.
Can I get a home loan with HECS debt?
Yes — but HECS-HELP debt reduces your borrowing capacity because lenders treat the repayment as an ongoing liability. The impact varies by lender. We know which lenders apply the most reasonable HECS treatment and can model the exact impact on your borrowing power before you apply.
Do I need to use the same lender for my next property?
No. Each property purchase is assessed independently. Many investors deliberately spread loans across different lenders to maximise future borrowing capacity and reduce cross-collateralisation risk. We help clients think through their long-term portfolio structure, not just the immediate transaction.

Ready to find your home loan?

Free consultation. No obligation. John responds within 2 hours.

📅 Book Free Consultation 📞 02 8046 3933