Home Loans
Lending, structured around your next move.
Whether you're purchasing your first property, moving to your next home, or simply want a clearer picture of your options, we help you understand what's possible and structure your lending to suit.
Getting started
A clear path to the right structure.
A home loan is more than a single transaction — it's a structure that should support your life for years to come. We take time to understand your income, goals and circumstances, then talk you through the types of lending options that may be available and how they could be structured.
We work with you to prepare your application, liaise with lenders on your behalf where appropriate, and stay involved through to settlement — explaining each step in plain English along the way.
Where we can help
Lending guidance for every stage.
First Home Buyers
Understand the process, grants and considerations for your first purchase.
ExploreRefinancing
Review your current loan and explore whether another structure may suit you better.
ExploreInvestment Loans
Build a lending strategy designed around your property investment goals.
ExploreSelf-Employed & Complex Lending
Considered guidance for borrowers whose circumstances don't fit a standard mould.
ExploreFrequently asked
Common home loan questions.
How much can I borrow?
Borrowing capacity depends on your income, expenses, existing commitments and the specific lender's criteria. We work through your circumstances with you to give you a clearer picture of what may be achievable.
How long does the process take?
Timeframes vary depending on the complexity of your situation and individual lender processing times. We'll keep you informed at each stage so you know what to expect.
Do I need a large deposit?
Deposit requirements vary by lender and loan type. We can talk you through the general considerations and what may apply to your situation.
What does it cost to work with Lending Architects?
We'll explain how our service works during your first conversation, including any fees that may apply, so there are no surprises.
Ready when you are