Owning a home is a major milestone, and securing the right residential home loan can make all the difference. At Mortgages101, we specialise in helping Australians navigate the home loan market, whether you’re a first-home buyer, upgrading to your next home, or refinancing for a better deal. With access to a wide range of lenders, we compare options to find a loan that suits your financial situation—whether it’s a competitive interest rate, flexible repayment terms, or features like offset accounts. Our expert brokers handle the hard work, so you can focus on finding your dream home. Ready to get started? Let’s make homeownership happen with the home of home loans, Mortgages101.
Some of the key features of residential home loans using Mortgages101 brokers are:
- Competitive Interest Rates – Choose from a variety of lenders to secure a rate that suits your budget
- Flexible Loan Terms – Options ranging from variable, fixed, or split-rate loans to match your financial goals
- Offset & Redraw Facilities – Reduce interest costs with an offset account or access extra repayments when needed
- Low Deposit Options – Home loans available with as little as 5% deposit, including options for first-home buyers.
- Government Grants & Schemes – Take advantage of incentives like the First Home Owner Grant (FHOG) and stamp duty concessions
- Fast & Easy Pre-Approval – Get pre-approved to confidently search for your dream home within your borrowing power
- Extra Repayment Flexibility – Pay off your mortgage faster with the ability to make additional repayments on certain loan types
- Expert Guidance & Support – Our experienced brokers handle the hard work, ensuring a smooth application process from start to finish
Finding the right home loan is about more than just securing a great interest rate—it’s about choosing a loan that fits your lifestyle and financial goals. Whether you prefer the stability of a fixed-rate loan, the flexibility of a variable-rate option, or a combination of both with a split loan, there’s a solution to suit your needs. At Mortgages101, we work with a range of Australian lenders to ensure you get the best possible deal, with loan features that help you save money and manage your repayments with ease.
For many Australians, saving for a home deposit can be a challenge. That’s why there are a variety of low-deposit home loans and government schemes designed to help buyers get into the market sooner. First-home buyers can take advantage of grants and incentives, while other borrowers may qualify for Lenders Mortgage Insurance (LMI) waivers or family guarantee loans. Our team at Mortgages101 ensures you understand your options, so you can take the next step toward homeownership with confidence.
Navigating the home loan process can feel overwhelming, but with the right guidance, it doesn’t have to be. From understanding borrowing power to preparing your application and securing pre-approval, our experienced mortgage brokers take care of the hard work. We’re committed to making the process as seamless as possible, helping you avoid common pitfalls and secure a loan that truly works for you. Whether you’re buying your first home, upgrading, or refinancing, Mortgages101 is here to help you every step of the way.