Home lending in Australia, without the guesswork.
Home Lending Australia is the national home-lending decision hub, led by James Chee — a Registered Mortgage Broker, CPA and Registered Tax Agent based in Mascot, NSW.
We compare home loans from 40+ lenders at no cost to you, covering first home buyers, refinancing, investment property, construction, SMSF and debt consolidation.
Our service is bound by the Best Interests Duty: we work for you, not the banks.
How we can help
Expert guidance across every type of home lending — from first home buyers to SMSF property.
First Home Buyer
First home buyers face the steepest learning curve in home lending — grants, schemes, stamp duty, deposits and borrowing power all at once.
Refinancing
Refinancing replaces your current home loan with a new one — to secure a lower rate, access equity, consolidate debt or restructure your loan.
Debt Consolidation
Debt consolidation combines multiple debts into one loan with a single repayment — typically at a lower blended rate than credit cards and personal loans.
Investment Property
Investment property lending is about structure — loan type, interest-only vs P&I, entity ownership and tax position all interact.
Construction Loans
A construction loan pays your builder in staged progress payments as the build reaches milestones, not as one lump sum. Interest is charged only on the amount drawn, and the loan converts to a standard home loan at completion.
SMSF Property Loans
A Self-Managed Super Fund can buy property using a Limited Recourse Borrowing Arrangement (LRBA), where the lender’s recourse is limited to the property itself.
Guarantor Loans
A guarantor loan lets a family member use the equity in their own home to support your deposit, so you can buy with less cash and avoid LMI.
Single Parent Home Loans
Single parents can buy with as little as a 2% deposit under the Family Home Guarantee, which removes the need for LMI.
Divorce & Separation Refinance
After separation, refinancing is often needed to buy out an ex-partner’s share, remove them from the loan, or restructure the mortgage to suit one income.
Personal Loans
A personal loan is a fixed-term loan for a set amount — secured (against an asset) or unsecured.
Bridging Loans
A bridging loan lets you buy a new home before selling your current one, with both loans running temporarily.
Home Lending Rates
Home lending rates move with the RBA cash rate and lender competition. Our rate tracker below shows the cash rate and indicative variable and fixed ranges, each dated and sourced.
Home Loan Eligibility
Eligibility for a home loan comes down to serviceability — your income, expenses, existing debts and the lender’s 3% buffer — plus your deposit, credit history and the property.
Calculators
Our calculators give you a fast, honest picture of your position — repayments, borrowing power, stamp duty, refinance savings and equity.
Guides
Our guides explain home lending in plain English — the process, the costs, the traps and the strategies — so you make decisions with the full picture.
Market Insights
Market insights track the RBA cash rate, lender competition and borrowing trends — and what they mean for your next decision.
Off-the-Plan
Buying off-the-plan means committing to a property before it is built, with settlement at completion.
Suburbs
Suburb pages combine local market context with lending guidance — what typical buyers in your area face, from deposits to serviceability.
Investment Suburbs
Investment suburb pages look at what matters to investors — rental demand, yield, growth drivers and the lending structure that fits.
Discovery Assistant
The Discovery Assistant is your starting point — answer a few questions about your goals and position, and we assess your options across 40+ lenders.
Book a Call
Book a free consultation with James Chee — CPA, Registered Tax Agent and Registered Mortgage Broker — and get a clear picture of your home lending options across 40+ lenders.
This content is authored under James Chee — CPA, Registered Tax Agent, Registered Mortgage Broker, Mascot NSW, comparing a panel of 40+ lenders.Home Lending Australia is a trading name of Ding Financial Pty Ltd (ACL 222640).
Part of the Local Knowledge Finance group.