Home Loans Australia. We'll Connect You With the Right Specialist.
Simple Loans doesn't arrange home loans directly. Tell us what you need and we'll refer you to one of our trusted partner mortgage specialists for a free, no-obligation assessment on owner occupier, investment, or first home buyer finance.
Why choose Simple Loans.
Trusted Partner Network
We refer you to vetted mortgage specialists who know the Australian home loan market inside out.
Owner Occupier & Investment
Help buying your first home, upgrading, or building an investment portfolio.
Fixed & Variable Options
Your specialist explains both and helps you choose the right structure.
Offset & Redraw Guidance
Find loans with offset accounts, redraw, and extra repayment flexibility.
No Upfront Fees
Your referral and initial assessment are completely free, with no obligation.
Specialist Solutions
Self employed, low deposit, and credit impaired options available through our partners.
How Our Home Loan Referral Works
A home loan is the largest financial commitment most Australians ever make, so getting the right advice matters. Simple Loans doesn't write home loans ourselves. Instead, we take your enquiry and refer you to a trusted partner mortgage specialist who can compare lenders, explain your options, and help you structure your loan properly.
Your referral and initial assessment are completely free, with no obligation to proceed. If you do settle a loan, the lender typically pays the partner's commission, so there's no cost to you.
Fixed vs Variable Home Loans
Fixed rate home loans lock in your interest rate for a set period, typically 1, 2, 3, or 5 years. They give you certainty on repayments but may limit extra repayments without penalty.
Variable rate loans can move up or down with market conditions and the RBA cash rate. They typically offer more flexibility, including offset accounts, unlimited extra repayments, and easier refinancing.
Many borrowers split their loan, fixing a portion for certainty and keeping the rest variable for flexibility. Your partner specialist will explain which structure suits your situation.
How Lenders Assess Home Loan Applications
Lenders look at five key things: income (consistency and source), expenses (using HEM benchmarks), deposit and savings history, credit file, and the security property itself. Your partner specialist helps you present your application in the strongest possible way.
How it works.
Submit Your Details
Fill out our 60 second enquiry form. No paperwork, no obligations, and zero upfront fees.
We Refer You to a Partner
We match your enquiry to one of our trusted partner mortgage specialists who suits your situation.
Your Partner Helps You Settle
Your specialist compares lenders, structures your loan, and coordinates settlement from go to whoa.
Frequently asked questions.
Does Simple Loans arrange home loans?
No. Simple Loans is a vehicle and asset finance specialist. For home loans, we take your enquiry and refer you to one of our trusted partner mortgage specialists, who looks after you from there.
How much does the referral cost?
Nothing. Your referral and initial assessment are completely free, with no obligation to proceed. If you settle a loan through the partner, the lender typically pays their commission.
What types of home loans can I get help with?
Our partners assist with owner occupier loans, investment loans, fixed and variable rate loans, low deposit options, and specialist solutions for self employed or credit impaired borrowers.
How long does home loan approval take?
Conditional pre-approval typically takes a few business days, with full unconditional approval after you've found a property generally taking 1 to 3 weeks. Your partner specialist will give you a clearer timeline based on your situation.
Can I get help if I'm self employed?
Yes. Our partners work with low doc and full doc lenders who accept ABN holders, sole traders, and company directors, usually needing 1 to 2 years of business activity statements or tax returns.
What happens after I submit my enquiry?
We review your details and refer you to the partner specialist best matched to your situation. They'll contact you to run through your options, free and with no obligation.
Ready to get started.
We don't arrange home loans directly. Share a few details and we'll refer you to one of our trusted partner mortgage specialists for a free, no-obligation assessment.
People we also help
Simple Loans is a finance comparison tool. Holder of Australian Credit Licence No. 509582. All applications are subject to lender approval. Terms, conditions, fees and charges apply. This information is general in nature.
Free assessment
Tell us what you need, we'll do the running around
One short form, then we'll refer you to a trusted partner mortgage specialist for a free, no-obligation assessment. No credit impact to get started.