Home Loans &
Construction Loans

Owner Occupied Home Loans

Whether you’re upgrading, upsizing, buying before selling or selling before buying, we’re here to help you make it happen. Unlike the banks & other mortgage brokers, we take the time to truly understand your goals, needs, and YOU, putting you in the best position possible to make your next move.

We’ll help you review all of the possibilities and crunch all of the numbers; showing you how much you can borrow, what you’ll be able to spend, how much you’ll need to contribute and more. With 40+ lenders to choose from, we’ll find you the best deals & solutions for your needs and help make the finance process a breeze!

Self Employed Home Loans

As business owners, we understand how frustrating it can be to provide the traditional documentation banks tend to ask for when applying for a home loan, especially when your financials may be complex or not quite up to date.

We specialise in helping business owners, sole traders & anyone that’s classified as self-employed, and can provide many lending solutions which use alternative methods to verify your income (sometimes referred to as ‘low doc’ or ‘alt doc’), allowing you to spend less time on paperwork & more time focusing on your business!

Home Loan Refinancing

When it comes to making sure you’re getting a good deal, unfortunately your bank will never care as much as you do. Refinancing can potentially save you thousands of dollars, especially when you’ve been with your current lender for a few years. By having the right finance structure in place, combined with the best possible rate, you can potentially shave years off your mortgage. Whilst it’s important to keep in mind the ‘lowest’ rate may not necessarily be the cheapest, or the best option, it’s always worthwhile ensuring you’re not a paying a ‘loyalty tax’ by keeping your loans where they are. Credited Finance is 100% independent, which means we work for YOU, not the banks, and always have your best interests in mind.

With access to dozens of lenders and hundreds of different products, we’ll find the best solutions for you, negotiate with lenders on your behalf to obtain the lowest rates possible & make the application process simple. We also complete ad-hoc rate reviews post-settlement to ensure you continue receiving the best interest rate possible with your new lender.

Investment Home Loans

Property investment is our passion, and our speciality. We love helping clients build wealth through property, and as investors ourselves, can provide you with tips on how to balance your portfolio to maximise growth, insights into different markets & help you crunch the numbers to ensure you get the most out of your investment. We also work closely with your accountant &/or financial advisor to maximise the tax effectiveness of your loan structure.

Whether it’s restructuring your loan portfolio to improve cashflow or maximising your borrowing capacity to make your next move, with access to over 40 bank & non-bank lenders, we can help you find the right solution for every stage of your investment journey.

Construction & Development Loans

Whether you’re looking to build your dream home, a duplex, townhouses or a block of units, we’ve got the solutions to get your project off the ground. From first-time builders to seasoned developers, we’ve helped hundreds of clients secure the finance they need to turn their vision into reality. We understand getting the right loan, at the right rate with the right structure is crucial to your project’s success. That’s why we work closely with you to understand your project, discuss potential challenges & obstacles, what you’ll need to organise and who’ll you’ll need to engage in order to secure funding.

We’ll then shop your proposal with our wide range of funders to provide you with the most competitive terms & rates, and put it all together to get the finance in place.

First Home Buyer Home Loans

Buying your first home is a big deal! Whilst it’s a very exciting time, it’s also most likely the biggest financial decision you’ve ever made in your life! It pays to have experience on your side, not only to get you a great deal on your home loan, but to make the process straightforward & simple. We aim to make your first home buying experience a memorable one for all the right reasons.

We’ll help you understand how much you can borrow, your indicative repayments, the deposit/savings you’ll need, the government grants and benefits available to you, how different types of loans work, what documentation you’ll require, who to engage and when, breakdown of costs, how to make an offer, and more. Once you’re ready, we’ll help find a great deal to suit your needs & get pre-approved so you can start searching for your new home with confidence. We’ll hold your hand throughout the entire journey, helping you understand the property market, giving you feedback on potential purchases & answering all of your questions along the way. Then, when you’ve found the one, we’ll help you take care of the rest with ease!

With us however, it’s never set and forget. We’ll stay in touch regularly after you settle, ensuring your loan remains competitive & best suited to your needs, and hope to continue working with you throughout the years as you continue to climb the property ladder.