Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.

When looking at different Home Loan Options, it's important to understand some of the key loan attributes:

Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

Getting a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

Settlement

You settle on the property, your Home Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Steven Lapworth

Adam’s professionalism and experience is second to none. He guided me through the entire process of securing a loan for my first home with grace, understanding, and confidence that made it a completely stressless experience. I would strongly recommend Adam to anyone looking for a trustworthy and responsive mortgage broker.

Nick Lanciano

Adam was so good to deal, as being me first time getting a loan It was very confronting adam made my life a lot easier guiding me and talking me through the processes and always checking in with the progress and what the next required steps were. Highly recommend adam!

Francesco Condello

I had a great experience working with Adam to secure my home loan. He was professional, proactive, and clear in his communication throughout the process. Adams enthusiasm and commitment to achieving the best outcome really stood out. I would confidently recommend him to anyone seeking a reliable and dedicated mortgage broker.

Sarah Raciti

We had an excellent experience working with Adam as our mortgage broker. From start to finish, Adam was professional, knowledgeable, and incredibly responsive. He took the time to explain every step clearly, making the entire process feel smooth and stress-free. Adam genuinely had our best interests at heart and went above and beyond to secure the best possible outcome for us. We’re extremely grateful for his support and wouldn’t hesitate to recommend Adam to anyone looking for a trustworthy and dedicated mortgage broker.

Michael Radic

Adam's professionalism and knowledge in the industry is second to none. He guided us through all the way from conception to securing a our fist home. He always had time to speak to us whenever we had concerns no matter how small they be. I recommend Adam to all my friends & family. He always made sure we were on top of things and never left in the dark. Thank you for the pleasant experience.

Jessica Marie

Adam was incredibly professional and efficient throughout the entire process. His swift work ethic and supportive approach made everything smooth and stress-free. He guided me every step of the way, ensuring I felt confident and informed. Highly recommend his services.

We work with Australia's biggest lenders

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Melbourne, VIC

0421 438 302

About Us

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HBS Financial Group Pty Ltd ABN: 93 674 741 167. Credit Representative #549116 is authorised under Australian Credit License #384704

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

At HBS Financial Group, we're Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options