Take Charge of
Your Home Loan

+ One Enquiry, Multiple Options
+ Loans For Most Credit Types
+ Credit Score Protection

We will find you the best options across the banks
and 20+ non bank lenders

The smart way

to finance your home

Home Buying Options

Private to Private, Auctions, Real Estate Websites, Other

Home Finance Options

Secure & Unsecure Home Loans, Fixed & Variable Loans, Business or Personal Use,  Built or New Build & Land.

Home Loan Amounts

$125,000 to $1m+

Loan Eligibility & Documents

 Are you eligible for a home loan?

To apply with Talk To A Broker, you must:

Be over 18 years of age

Hold a current & valid driver’s licence

Be an Australian Citizen or a Permanent Resident

Continuously employed or self employed for the last 6 months

Earn over $30k per annum

Documentation needed for your loan?

100-point ID is needed and consists of a combination of the following

Current Australian Passport, Valid Drivers Licence or Medicare card

Asset and Liabilities (details of your expenses)

Current bank statement, confirming your details

Proof of Income – 2 most recent payslips

Self Employed – provide 2 years of tax returns & NOA


Get the right options – We provide the very best possible options for your finance needs

  • At Talk To A Broker we partner with Australia’s leading brands in finance.
  • Our loan experts can instantly provide you with the best options available for your needs.

Get the right features – We ensure the right features of the loan to suite you

  • End to end personalised service from preassessment, approval to settlement. Speak to one person the whole way through.
  • Talk To A Broker can provide added value & benefits to its clients, ranging from sourcing exclusive/discounted rates to organising & funding the insurance you require at the end.
  • Our team pre-qualify your servicing ability before submission, saving a unnecessary enquiry in some cases.
  • We listen to all the loan features you require and explain options you may not know about.
  • Save more by understanding lesser-known features such as making additional payments, reduced early exit fees, , seasonal payments, establishment & account keeping fees.

Get the right terms – We will negotiate for the terms and conditions that are favourable to you

  • Flexibility with repayment frequency, to ensure it suites your monthly budget.
  • Interest rates, that are variable, fixed or both for the duration of your loan.


Need some help? Below are some common questions. If you can’t find your question or just need some help, call us on 1300 123 125

Why don't you advertise rates?

We have access to market leading rates across all of Australia’s leading brands in finance. We don’t believe in advertising the lowest rate to only then tell a borrower they may not qualify for it. We do provide full disclosure of rates available to each enquirer based on their particular background and circumstances.

In most situations, we are able to provide the lowest or most competitive rate attached with the best features and terms once we know what they qualify for.

Are there any restrictions with your home loans?

Different lenders definitely have different restrictions, guidelines and features and that can be frustrating if you don’t understand them before applying. There is nothing more irritating than having strict criteria on what you can or cannot purchase.

At Talk To A Broker we are able to explain and provide you with options to meet your requirements before you submit any application through.

How can Talk To A Broker save me money?

There is no obligation in speaking with one of our experts and they can help you increase your loan savings, buying power or possibly both.

How long does it take to get approved and funded?

We have options to provide full approval and funding generally within 24hrs. The speed of approval is largely based on how quick you can provide the necessary documentation.

In most cases, documents required include your proof of income (payslips and other supporting income documents), Medicare card and driver’s licence, alongside a privacy form and application form which can be completed with one of our experts or in your own convenience/time.

Am I able to purchase any home? For example, privately or via an auction?

Absolutely, private sales and auctions are one of our strongest features, we can help arrange private sale inspections and provide you with resources that show you the market value of the home you are looking to purchase.

Why choose a broker over the banks?

Relying on one source for finance can often leave you cornered into having one option only.

By choosing a broker you allow yourself to view multiple options which can often include the same lender the dealer uses at a cheaper rate or lower repayment.

What are the benefits of having pre-approval?

It provides you with a set amount and budget. When you go house shopping, you already know how much you can borrow and what the rough regular repayment will be. This strengthens your ability when negotiating with the seller or builder.

There is no obligation to gain a pre-approval. Should your circumstances change and there is no out of pocket cost incurred. Only if you proceed to get a loan will you be charged a home loan application fee.

How long to get approved for a home loan?

You can get pre-approved for a home loan on the same day, and get final approval within two days once income and identification has been ticked off.

Depending on the lender the overall home loan processing time, from application to settlement, takes 3-4 days, dependant on how fast the seller details are made available to us.

How much can I be pre-approved for a home loan?

Our minimum loan amount is $100,000 and the maximum can be up to $3 million with some exemptions.

Ready to get Pre-Approved?

Get a decision in minutes with no risk to your credit score.

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