Home Loans

We understand that everyone has unique home loan requirements.

You might be a first-home buyer, an existing home owner, wanting to refinance an existing home loan, or are just looking for the best home loan out there.

Whatever it may be, we are equipped to answer all your questions. 

  • What type of home loan is the easiest to qualify for?
  • How can I qualify for a home loan?
  • Which loan is best for a home loan?
  • What deposit do you need for a home loan?

At MortgageWorks, we do it all.

First-home buyers

Congratulations. You’re looking to buy or build your very first home. It’s a big deal and you’re in the right place. Now here’s the good news…

First-home buyers get a few perks when buying a property for the first time. Think of it as a small thank you from the government for keeping the Australian property market alive and kicking.

The First Home Owners Grant (FHOG)

This is $10,000 which can be used towards your deposit when purchasing your first home. Of course there are certain restrictions such as the price of the home and whether it is brand new, but we’d be happy to run you through the ins and outs of this.

First Home Loan Deposit Scheme (FHLDS)

In addition to the grant, first-home buyers can leverage the First Home Loan Deposit Scheme (FHLDS) to purchase their first home, meaning you can purchase it with a smaller deposit — a minimum of just 5% is required.

At MortgageWorks, we know that every first-home buyer has unique circumstances, so we apply a tailored and bespoke approach to every client we work with.

Existing home owners

Often, it’s about being equipped with the right information. The team at MortgageWorks would be happy to educate you on the ins and outs of home loans, as well as help you secure another home loan from our large pool of lenders.

But it’s not just about a good interest rate, it’s about the general home loan structure, how to budget for your next loan, bank policy and getting the lowest fees. 

Home loan interest rates

Interest rates can vary based on your credit score, deposit amount, other properties you own, and previous loans you’ve taken out in the past.

Our mortgage brokers can help you navigate the market to find the best home loan product for your circumstances.


If you think you’re paying more than you need to, it might be a good time to review your options. Refinancing your home loan means paying off your current loan by taking out a new loan, either with your existing lender or a new lender. Your aim is to secure a new loan with better rates and terms tailored to your circumstances. Some banks provide cash backs and annual fee waivers as promotional tools to incentivise customers to refinance with them.

Refinancing depends entirely on your unique situation — we’d be happy to help you explore this.

Want to learn more about home loans ?