Buy your home with a broker on your side

We compare home loans from 60+ lenders, explain the costs before you bid, and stay with you to settlement.

5%Deposit for eligible first home buyers

60+Lenders we compare

Book free consultation

Estimate my repayments

Buying a home? Start with the right loan

You don’t need to know loans.
You just need the right guide.

Become a first home buyer

Buy with a 5% deposit and without LMI under the 5% Deposit Scheme, if you are eligible

See if I can qualify

Buy an investment property

Investment loans structured around rent, tax and your next purchase

Start building wealth

Or just build your dream home

Use construction finance to turn your dreams to reality

Explore construction loan broker options

What a home loan broker does when you buy a home

A broker does more than find a rate. Most of the work happens between your first conversation and the day you get the keys, in three stages.

Before you bid

Step 1

Pre-approval. We work out what you can borrow with lenders whose policy suits your income and deposit, so you know your limit before an offer or auction.

Check my borrowing power

After your offer

Step 2

Formal approval. We send the contract to the lender, manage the valuation and answer the credit team’s questions until the loan is approved.

Book free consultation

Up to settlement

Step 3

Settlement. We go through the loan documents with you, keep your conveyancer and the lender in step, and stay on hand afterwards for rate reviews.

Ask us a question

Are you a medical pro, lawyer, or accountant?

Some lenders offer professional packages with the LMI waived and lending up to 90% or 95% of the property value, depending on your occupation.

LVR up to 90%

These occupations may qualify for a professional package that lends up to 90% of the property value with the LMI waived, subject to the lender’s criteria.

Audiologist

Chiropractor

Midwife

Occupational therapist

And other eligible occupations

Check my eligibility

LVR up to 95%

Selected lenders offer their top tier to some health professionals, such as doctors and dentists: up to 95% of the property value with the LMI waived, subject to their criteria.

Medical doctors (GPs, specialists, surgeons)

Dentists and dental surgeons

Therapists and psychologists

Optometrists and more

Check my eligibility

How much money can I borrow?

Use our free borrowing power calculator for an estimate of what you could borrow. A lender’s own assessment decides the final figure.

Book free consultation

What you pay on top of the deposit

The deposit is the big number, but it is not the only cash you need.
This is what a South Australian buyer pays in government charges alone on a $650,000 established home.

Example: a $650,000 established home in South Australia, 2026-27

Stamp duty
$29,580 on the general SA scale.

Transfer fee
$6,653, paid to Land Services SA.

Mortgage registration
$204 for one mortgage.

Total government charges
$36,437

Figures from the RevenueSA duty scale and the Land Services SA fee schedule for 2026-27, for an owner-occupier who does not qualify for first home buyer relief. Your own figures depend on the price, the property and the contract date. General information only.

Other costs vary from buyer to buyer: LMI if your deposit is under 20 per cent and no waiver or scheme applies, lender application and valuation fees, conveyancing, building and pest inspections, and moving. First home buyers in SA pay no stamp duty on a new home, an off-the-plan home or vacant land, and can claim a First Home Owner Grant of up to $15,000 on a new home. Run your own numbers with the stamp duty calculator and the property buying cost calculator.

We compare lenders, so you don’t have to

60+

Banks and non-bank lenders on our panel

120+

Home loan products we can compare for you

Broker fee on most home loans. Any fee is set out in writing first.

Loan options we put side by side for your situation

Logos of banks and lenders on the Loanity lender panel

We’re with you through every step

Live human support

Real people

Talk to a broker, not a chatbot. Call, message or book a time to go through your questions.

Let’s talk right now

Free tools

30+

Free calculators for repayments, borrowing power, stamp duty and more.

See our free calculators

30 minute consultation

For Free!

Want direct help? Book a free 30 minute chat with a broker. No cost and no obligation.

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Testimonials

This is why you should let us handle your business finance

      
   Loanity
   80 Google reviews 
  Write a review 
  
 
 
   
 
 
       Posted on Google  
   
   Morteza Rayati 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a very good experience with Loanity and definitely recommend them.

One thing I really like about Loanity is that they help you actually understand the whole loan process, rather than just telling you what to do. Their website also has several useful tools and information that you can use even before becoming their client, which I found very helpful when trying to understand my options.

A special thanks to Kourosh. He genuinely puts time and effort into answering your questions and making sure you understand everything properly. Whenever I had questions, he took the time to explain things clearly and go through the different options with me, rather than just giving a quick answer.

For me, this level of transparency, education and support makes a big difference. You feel that you are involved in the process and understand what is happening, rather than just handing everything over to a broker.

Really appreciate Kourosh and the Loanity team for their time, effort and professional service. Highly recommended.
  
 
      Posted on Google  
   
   mojgan 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had great experience,They are very knowledgeable and professional through all the process,Highly recommend .
Thank you so much 😊
  
 
      Posted on Google  
   
   Siavash Farhadi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Working with Kourosh and his team on my unsecured personal loan for debt consolidation was a seamless experience from start to finish.

As a top-tier finance broker, Kourosh took care of the entire loan comparison process to deliver a truly tailored financial solution aligned with my budget. His communication was prompt, the application process was hassle-free, and the quick turnaround time led to a fast approval with no hidden fees.
Even after comparing options with multiple brokers, Kourosh secured the most competitive low interest rate and flexible repayment terms on the market.
For anyone in need of expert financial advice and reliable service, I highly recommend Kourosh and his team
  
 
      Posted on Google  
   
   Arezo Valandizi 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’m very grateful to Kourosh and the Lonity team for all their help, advice, and support throughout my home loan journey.

Kourosh has been incredibly patient, professional, and supportive. He always takes the time to explain everything clearly, answer all my questions, and guide me through every step of the process. His advice has given me confidence and made the whole experience much easier and less stressful.

I truly appreciate all the time and effort Kourosh has put into helping me achieve my goal of buying my own home. I highly recommend Kourosh and the Lonity team to anyone looking for a knowledgeable, trustworthy, and genuinely supportive mortgage broker.

Thank you so much, Kourosh, for all your help and support.
  
 
      Posted on Google  
   
   Sheema 
 
 
 
 Trustindex verifies that the original source of the review is Google. We had a fantastic experience working with Kourosh Tabandeh. He went above and beyond to help us increase our borrowing capacity for our home purchase, and we are truly grateful for all his support.

Kourosh is extremely professional, knowledgeable, caring, and dedicated. He was always available to answer our questions, followed up on everything carefully, and genuinely did his best to achieve the best possible outcome for us.

Buying a home can be a stressful process, but having Kourosh by our side made a huge difference. We really appreciated his patience, persistence, and the genuine care he showed throughout the whole process.

We highly recommend Kourosh to anyone looking for a trustworthy, professional, and supportive mortgage broker. Thank you so much, Kourosh, for everything you did for us!
  
 
      Posted on Google  
   
   Hassan Khaleghi Sohi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service and a very professional experience. I had a phone consultation regarding my finance and refinancing options, and I was very impressed with the consultant’s knowledge, professionalism and helpful advice.

Everything was explained clearly and I never felt pressured. Highly recommended for anyone looking for professional and reliable financial services.
  
 
      Posted on Google  
   
   hadi yousefi 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service from Loanity! Professional, knowledgeable, and always available when needed. They made the whole loan process smooth and stress-free, and went above and beyond to get the best outcome for me.

Highly recommend Loanity to anyone looking for a reliable and trustworthy mortgage broker. Fantastic service!
  
 
      Posted on Google  
   
   Buff Ryder 
 
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

I couldn’t be happier with the service I received from Kia. Refinancing can feel like a complicated and stressful process, but Kia made everything so easy from start to finish.

Kia was always friendly, approachable and happy to answer any questions I had. They took the time to understand what I was looking for, explained everything clearly, and kept me updated throughout the whole process.

What really stood out was how much Kia genuinely cared about getting the best outcome for me. They went above and beyond, and I always felt like I was in good hands.

I’m very grateful for all Kia’s help and would happily recommend Kia to my family and friends. Thank you, Kia, for making the refinancing process such a smooth and positive experience!

Ps: He is really hard working as well.

Beyond the Reviews: Hear From Our Clients

Every home loan journey is different, and choosing the right mortgage broker is a big decision. Hear directly from Loanity clients as they share their real experiences working with our team. Watch their stories and discover what it’s like to have Loanity by your side throughout the home loan process.

Home loan broker or your bank?

Both can lend you the money. The difference is how many loans you see, and who has to check that the loan suits you.

Your bank

One lender’s products and one credit policy. If that lender says no, or offers less than you need, you start again somewhere else.

One lender’s loans only

One credit policy

You compare other lenders yourself

Best interests duty does not apply

Compare loan costs

A broker

Loans from banks and non-bank lenders, matched to your income and deposit, with a legal duty to act in your best interests.

60+ lenders on our panel

Lender policy matched to you

Best interests duty applies

We manage the paperwork

Book free consultation

How we are paid. When your loan settles, the lender pays us an upfront commission of between 0 and 2.25 per cent of the loan, and an ongoing trail of between 0 and 0.55 per cent of the balance. For a standard home loan you usually pay us no fee. If a fee does apply, for example if you cancel after approval, we set it out in a Credit Quote that you sign before we start. Since 1 January 2021 mortgage brokers must act in your best interests when they recommend a loan. Our panel is broad, but it does not cover every lender in Australia. The full details are in our terms.

A first home buyer story: from nearly giving up to a loan built around the family

A Loanity client example. Details are generalised and the story is shared with the client’s consent.

The goal
Move from renting to owning, for stability, without cutting back the family’s current standard of living.

The hurdle
A small deposit for the price, a dependent child and existing debts. A first assessment from another broker fell short.

The loan
Kourosh and Kia chose a lender whose policy suited the profile and structured the loan the couple asked for: a variable rate so they could benefit if rates fall, an offset account and a redraw facility for flexibility, and principal and interest repayments to reduce total interest.

Result
Borrowing capacity $70,000 higher than the first assessment, which kept the home they wanted within reach.

Important information: this is one client’s experience. Results depend on each person’s circumstances and a lender’s credit assessment, and are not typical. General information only, not financial or credit advice.

The lesson for first home buyers is to know your number before you bid. A pre-approval built on the right lender’s assessment keeps your search at the right price point. Not sure where you stand? Book a free consultation or start with the borrowing power calculator.

Still got questions?

Home loan broker questions, answered

Am I eligible to apply for a home loan with Loanity?

It depends on your income, deposit, debts, credit history and the property. There is no single cut-off, because each lender applies its own policy. In a free consultation we look at your borrowing power, deposit and income type (PAYG, casual or self-employed) and tell you which lenders are likely to accept your application.

Can I really get a home loan with just a 5% deposit?

Yes, if you qualify. Under the Australian Government 5% Deposit Scheme, eligible first home buyers can buy with a 5 per cent deposit and pay no lenders mortgage insurance. Since 1 October 2025 there is no income test, and the price cap in Adelaide is $900,000. Outside the scheme, some lenders accept a 5 per cent deposit with LMI added. Our first home buyer loans page explains the scheme, the SA grant and stamp duty relief.

Is it better to go with a mortgage broker or a bank?

A bank can only offer its own loans. A broker compares loans from many lenders and must, by law, act in your best interests when recommending one. Going direct can suit you if you already know the loan you want and your situation is simple. If your income, deposit or property is less standard, matching the lender’s policy usually matters more than the headline rate.

Do you charge a fee for arranging a home loan?

Usually not. For a standard home loan the lender pays us a commission when the loan settles, and you pay no broker fee. Where a fee does apply, such as a cancellation fee after approval, we explain it in a Credit Quote that you review and sign before any work starts. The details are in our terms.

How long does the home loan approval process take?

It depends on the lender and on how complete your documents are. We aim for a conditional pre-approval within 2 to 5 business days once we have everything we need. Formal approval comes after your offer is accepted and the valuation is done. Pre-approval lets you make an offer or bid at auction with a budget you can rely on.

Can Loanity help me if I’m self employed or have non-standard income?

Yes. Some lenders specialise in self-employed, contractor and casual income. Depending on the lender, you can apply with tax returns and notices of assessment, BAS statements or, for a low doc loan, an accountant’s declaration. We match your documents to a lender that accepts them. Book a free consultation to go through yours.

What interest rates can I get right now?

It depends on the lender, your deposit, the loan type and your credit history, so we don’t quote one figure for everyone. As a guide, the average variable rate on new owner-occupier loans was 6.2 per cent in August 2026, according to the Reserve Bank. We show you the interest and comparison rates from several lenders for your own situation.

Does Loanity offer special conditions for medical professionals?

Some lenders do. Doctors, dentists and some other professionals may qualify for packages with the LMI waived at up to 90 or 95 per cent LVR, and sometimes a rate discount. Whether you qualify depends on your occupation, registration and income. The eligible occupations are listed on our professional home loan packages page.

Are home loan brokers worth it?

Usually, because the service costs most buyers nothing and you see loans from many lenders instead of one. A broker adds the most when your situation is not simple: a small deposit, self-employed income, a professional package, or a lender that has already said no, as in the client story above. If you are happy with your loan and only want a better rate, you can ask your bank for a rate review yourself.

What does a broker do when buying a house?

Before you bid, a broker works out your borrowing power and gets you pre-approval. After your offer is accepted, they send the contract to the lender, manage the valuation and the lender’s questions, and get formal approval. Before settlement they check the loan documents with you and keep the lender and your conveyancer in step.

How much do you need to earn for a $700,000 mortgage?

There is no single figure. Repayments on $700,000 over 30 years at 6.2 per cent are about $4,287 a month. Lenders also check that you could keep paying at about 3 percentage points higher, roughly $5,733 a month, after your other debts and living costs. So the income you need depends on your debts, dependants and spending. The borrowing power calculator gives you an estimate for your own numbers.

How much deposit do I need for a $500,000 house?

If you are an eligible first home buyer, $25,000 under the 5% Deposit Scheme. Without the scheme, many lenders want 20 per cent, or $100,000, to avoid LMI, although you can borrow with less and pay LMI. You also need cash for purchase costs: in South Australia, stamp duty on a $500,000 established home is $21,330, SA first home buyer relief applies only to new homes, off-the-plan homes and vacant land, not to established homes.

Stop waiting.
Just do it now.

No fees on most home loans. No obligation. A free consult and handy resources. No strings attached.

Give me my spot!