Home Loan

Your Dream Home Awaits: Find the Perfect Home Loan

Buying a home is one of life's most exciting milestones, and securing the right home loan is the foundation of that journey. At HR Mortgage Finance, we understand that navigating the mortgage market can be complex. That's why we're here to simplify the process, connect you with the best lenders, and help you find a home loan that perfectly fits your financial goals and lifestyle. Whether you're a first-time buyer, looking to refinance, or expanding your property portfolio, our expert team is dedicated to providing personalised advice and support every step of the way.

We believe in making your home loan journey as smooth and stress-free as possible

Expert Guidance:

Our experienced mortgage brokers are up-to-date with the latest market trends and lender policies. We'll answer all your questions and demystify the mortgage process.

Access to Multiple Lenders:

We partner with a wide panel of leading banks and financial institutions, giving you access to a diverse range of home loan products and competitive rates that you might not find on your own.

Personalised Solutions:

We take the time to understand your unique financial situation and future aspirations, tailoring our recommendations to suit your individual needs.

Transparent & Honest Advice:

We're committed to clear communication and upfront information. You'll always know where you stand.

Use the mortgage affordability calculator

Our Simple Home Loan Process:

We've streamlined the journey to your home loan into these easy steps:

Discovery Call: We start with a friendly chat to understand your financial situation, goals, and what you're looking for in a home loan.

Loan Options & Comparison: Based on our discussion, we research and present you with suitable loan options from our panel of lenders, explaining the pros and cons of each.

Application & Submission: Once you choose a loan, we assist you with all the necessary paperwork, compile your application, and submit it to your chosen lender.

Approval & Settlement: We liaise with the lender on your behalf, keep you informed of the progress, and guide you through to the final settlement of your loan.

Ongoing Support: Our service doesn't end at settlement. We're here for ongoing advice and to help you review your loan in the future.

Full Doc vs Alt Doc Home Loans

Full Doc Home Loan

A Full Doc (Full Documentation) home loan is the standard loan type for most borrowers. It requires complete proof of your income and financial position.

Key Features

Requires payslips, tax returns, and bank statements.
Offers access to the most competitive interest rates.
Suitable for employed individuals or self-employed with full financials.
Higher borrowing limits are usually available.

Who is it for?

PAYG employees with stable income.
Self-employed borrowers who can provide up-to-date tax returns.
Borrowers who want the lowest rates and standard lender options.

Minimum Deposit:
Most lenders require a deposit of at least 5–10% of the property value. Loans above 80% LVR generally require Lenders Mortgage Insurance (LMI).

Alt Doc Home Loan

An Alt Doc (Alternative Documentation) home loan is designed for self-employed borrowers, contractors, or business owners who can’t provide all the usual income documents.

Key Features

Accepts alternative proof of income (business bank statements, accountant’s letter, BAS statements).
Ideal for self-employed, freelancers, and small business owners.
Provides flexible solutions for non-standard income streams.

Who is it for?

Self-employed with incomplete tax returns.
Small business owners who need to borrow sooner.
Contractors or freelancers with varied income.

Minimum Deposit:
Most lenders require at least 10–20% deposit. Up to 80% LVR may be available with conditions and LMI.

Important Considerations:

Interest rates are generally higher than Full Doc loans.
May involve extra paperwork, including BAS statements or an accountant’s declaration.
GST-registered businesses can use BAS statements to verify income.