HOME LOANS

Educate, Facilitate, Accelerate

At Loan Theory, we make the home loan process easier to understand and easier to manage. Whether you’re buying your first home, refinancing your current loan, building your dream home, or consolidating debt. We’ve got your back.

We work with over 40 lenders and have access to 200+ loan products, so we can match you with a home loan that actually fits your life. Every lender has different options, rules, and features. We cut through the noise and help you make sense of it all.

No matter your goal, we can help:

First Home Buyers – Step-by-step guidance from deposit to settlement
Refinancing – Lower rates, better features, or accessing equity
Construction Loans – Build your home with the right funding structure
Debt Consolidation – Simplify your repayments and reduce your interest
Renovation Loans – Tidy up or transform your space
Offset & Redraw Loans – Smarter ways to save interest
Guarantor Loans – Get a boost from a family member
Bad Credit Loans – Real solutions for real-life situations

We also love working with self-employed borrowers, investors, and those with more complex needs. If there’s a way to get it done, we’ll find it.

Our process is simple. We start by understanding your situation and what you’re trying to achieve. Then we explain your options in plain language, help you choose the best fit, and handle the application from start to finish. We keep you in the loop, communicate the way you prefer, and let you know what’s needed (and when).

And we don’t disappear after your loan settles. We’ll check in regularly to make sure your home loan still suits your goals and help you make moves when the time is right.

With Loan Theory, you’re not just getting a loan, you’re getting a long-term lending partner who’s here to educate, support and grow with you.

HOW WE CAN HELP

We have you covered

What is your situation? What loan product is right for you? We have over 40 lenders, with over 200 different products. Not everyone is the same, not every loan is the same. Request a call today about your situation.

Offset

Speciality Industry

Fixed Rate

OUR PROCESS

A to Z plus a little more

At Loan Theory, we believe knowledge is power and we hope our educational guides, seminars, and social media content have already given you a bit of inside knowledge about how lenders work and what the loan process really looks like.

When you choose to work with us, you can expect clear, consistent communication in a way that suits you. We set expectations upfront, what we’ll need from you, what you can expect from us, and what’s coming next, so you’re never left wondering where things are at.

But our relationship doesn’t end when your loan settles. We’re here for the long run. As your needs change, we check in and review your loan regularly to make sure it still suits your goals. Our aim is simple: to be your trusted broker for life.

BEFORE WE EVEN MEET

We have dozens of free guides and educational video content available across our platforms. We hope these help guide you through your loan process

INITIAL CONSULT

When you are ready, book in a consult to run through your unique lending scenario. We answer any and all of your questions, discover what your lending goals are and build an application ready to submit to a lender.

LENDER COMPARISON

We take your scenario and run that against our panel of lenders to find the most suitable loan for you. We present you the the others to you before submission.

LENDER SUBMISSION

We submit your application to the chosen lender for approval.

APPROVAL AND SETTLEMENT

Once the loan is approved the lender will prepare the loan contracts and we run you through the signing. Once signed and returned to the lender settlement is booked. Settlement occurs.

POST SETTLEMENT

Once your loan is settlement we don't stop there. We keep an eye on your loan and the interest rate market to ensure your loan rate and the loan structure meet your purpose. If interest rates change we make sure the rate change is automatically passed on to you.

COMMON QUESTIONS

Here to answer all of the tricky questions

How much can I borrow?

This is determined based on your free cashflow. A calculation of your net income against your expenses. Talk to us to discuss your borrowing capacity

How long does it take to get approved?

This can depend on lender to lender and their current processing times. Processing times can vary based on the lender demand, their internal process and your application. Before submitting to a lender we can give you an estimate time of approval based on the lender selected.

Why use a broker?

As a broker we have access to over 40 different lenders and over 200 different products. This gives us the ability to place you with a lender and product that suits. Unlike a bank that can only sell their products and may only have up to 5 different loan products.

How much will I need for a deposit?

This will depending on your purchase price goals, what government incentives and what lenders you might qualify for. We have lenders that can lend up to 97% of the property value. Talk to us today to discuss your deposit requirements.