How it works

We negotiate home loans between you and the lender to save you time, money, and unnecessary stress.

We’ll work with you to understand your financial goals and present multiple lending options that are best for you. With access to over 30 lenders, including all major banks, we’ve got hundreds of products
available—which adds up to a better deal for you.

Let us handle the heavy lifting (like researching, credit advice, and paperwork) and support you from application to settlement.

How it works

We negotiate home loans between you and the lender to save you time, money, and unnecessary stress.

We’ll work with you to understand your financial goals and present multiple lending options that are best for you. With access to over 30 lenders, including all major banks, we’ve got hundreds of products
available—which adds up to a better deal for you.

Let us handle the heavy lifting (like researching, credit advice, and paperwork) and support you from application to settlement.

How it works

We negotiate home loans between you and the lender to save you time, money, and unnecessary stress.

We’ll work with you to understand your financial goals and present multiple lending options that are best for you. With access to over 30 lenders, including all major banks, we’ve got hundreds of products
available—which adds up to a better deal for you.

Let us handle the heavy lifting (like researching, credit advice, and paperwork) and support you from application to settlement.

How does it work?

Here’s a behind-the-scenes look at our process applying for and settling a mortgage with hfinance.

Initial Consultation

We’ll work with you on your terms—face-to-face, phone, email, SMS, Zoom—to understand your mortgage goals and objections.

Present Credit Advice

We’ll research available options from our panel of 30 Australian lenders. Then, we’ll present you with a suitable finance structure, credit advice, and lending options.

Lodge Application

We’ll lodge the bank application along with supporting documents and follow up with the bank on the progress of settlement.

Formal Approval

We’ll work with the Australian lender to satisfy any outstanding issues to ensure formal approval is issued in a timely manner.

Settlement

We’ll supervise your loan through settlement, liaising with any third parties involved to ensure settlement occurs and the transaction is closed off.

Annual Review

We’ll conduct an annual review to reassess your financial goals and ensure you are still getting a great deal on your current loan.

How does it work?

Here’s a behind-the-scenes look at our process applying for and settling a mortgage with hfinance.

Initial Consultation

We’ll work with you on your terms—face-to-face, phone, email, SMS, Zoom—to understand your mortgage goals and objections.

Present Credit Advice

We’ll research available options from our panel of 30 Australian lenders. Then, we’ll present you with a suitable finance structure, credit advice, and lending options.

Lodge Application

We’ll lodge the bank application along with supporting documents and follow up with the bank on the progress of settlement.

Formal Approval

We’ll work with the Australian lender to satisfy any outstanding issues to ensure formal approval is issued in a timely manner.

Settlement

We’ll supervise your loan through settlement, liaising with any third parties involved to ensure settlement occurs and the transaction is closed off.

Annual Review

We’ll conduct an annual review to reassess your financial goals and ensure you are still getting a great deal on your current loan.

How does it work?

Here’s a behind-the-scenes look at our process applying for and settling a mortgage with hfinance.

Initial Consultation

We’ll work with you on your terms—face-to-face, phone, email, SMS, Zoom—to understand your mortgage goals and objections.

Present Credit Advice

We’ll research available options from our panel of 30 Australian lenders. Then, we’ll present you with a suitable finance structure, credit advice, and lending options.

Lodge Application

We’ll lodge the bank application along with supporting documents and follow up with the bank on the progress of settlement.

Formal Approval

We’ll work with the Australian lender to satisfy any outstanding issues to ensure formal approval is issued in a timely manner.

Settlement

We’ll supervise your loan through settlement, liaising with any third parties involved to ensure settlement occurs and the transaction is closed off.

Annual Review

We’ll conduct an annual review to reassess your financial goals and ensure you are still getting a great deal on your current loan.

hfinance can help you with:

Buying a new home

First home buyers

Expat loans

Small business lending

Reverse mortgages

Refinance

Self-employed home loans

Personal loans

Teacher loans

hfinance can help you with:

Buying a new home

First home buyers

Expat loans

Small business lending

Reverse mortgages

Refinance

Self-employed home loans

Personal loans

Teacher loans

hfinance can help you with:

Buying a new home

First home buyers

Expat loans

Small business lending

Reverse mortgages

Refinance

Self-employed home loans

Personal loans

Teacher loans

hfinance can help you with:

Buying a new home

First home buyers

Expat loans

Small business lending

Reverse mortgages

Refinance

Self-employed home loans

Personal loans

Teacher loans

FAQs

Is there a cost to use a mortgage broker?

Generally, there is no out-of-pocket expense to you, as the broker is paid a commission by the bank at settlement. The exact dollar amount paid is disclosed and presented to you upon the selection of lender and application process.

Can I get a loan from my current bank instead of using a broker?

A hfinance mortgage broker can offer you the same deal—sometimes even better!—than your local bank. Shopping around is time-consuming, especially when it involves contacting a number of banks and lenders. That’s where we shine. hfinance will work hard to shop around on your behalf to find you a great deal, saving you time and money and ensuring you have the correct credit structure.

What are some issues I may face when applying for a home loan?

Some banks and home loan providers require you to have a large deposit or be employed in the same job for more than 12 months.

What are some issues I may face when applying for a home loan?

Some banks and home loan providers require you to have a large deposit or be employed in the same job for more than 12 months.
Some lenders have restrictions on the type of security you can purchase or how they assess your income from overseas. A hfinance mortgage broker can examine all providers on their panel to find one that will fit your situation and needs.

When should I contact a hfinance mortgage broker?

Right now! If you are reading this, you are already considering applying for finance. Even if you are not ready to apply for a loan straight away, a hfinance mortgage broker can advise and put you on the right track.

Get in touch

We are passionate about the finance industry, and we’d love to have the opportunity to talk with you about how we can help you find a solution to best meet your financial goals.

Give us a ring any time at 1300 928 227 for a confidential conversation or email us at info@hfinance.com.au.

Resources

First Home Buyers

Queensland First Home Buyers

Victorian First Home Buyers

Victorian FHB Financing a House and Land Purchase

What is a Family Guarantor loan?

Tips to help First Home Buyers save for their first home

First Home Buyers – Increasing your borrowing capacity

Australian Expats

Australian Expat Home Loans

What are the costs involved for Australian Expats?

What income is accepted for Australian Expats?

What currencies are accepted for expat home loans?

Resources

First Home Buyers

Queensland First Home Buyers

Victorian First Home Buyers

Victorian FHB Financing a House and Land Purchase

What is a Family Guarantor loan?

Tips to help First Home Buyers save for their first home

First Home Buyers – Increasing your borrowing capacity

Australian Expats

Australian Expat Home Loans

What are the costs involved for Australian Expats?

What income is accepted for Australian Expats?

What currencies are accepted for expat home loans?

Resources

First Home Buyers

Queensland First Home Buyers

Victorian First Home Buyers

Victorian FHB Financing a House and Land Purchase

What is a Family Guarantor loan?

Tips to help First Home Buyers save for their first home

First Home Buyers – Increasing your borrowing capacity

Australian Expats

Australian Expat Home Loans

What are the costs involved for Australian Expats?

What income is accepted for Australian Expats?

What currencies are accepted for expat home loans?