Buy your home with confidence
Less interest, more enjoyment5.64%Variable rate*
5.65%Comparison rate*
No one deserves to get left behind
You don’t need to know loans.
You just need the right guide.
You just need the right guide.
Become a first home buyer
Get approved with as little as a 5% deposit
Build generational wealth easily
Investment
property loans from just 5.29% pa*
property loans from just 5.29% pa*
Or just build your dream home
Use construction finance to turn your dreams to reality
Are you a medical pro, lawyer, or accountant?
Get access to no LMI home loans, professional home loan packages,
and high-LVR lending up to 95%
and high-LVR lending up to 95%
Up to 90% LVR
Any of these jobs most likely qualify for a professional home loan at 90% LVR with little to no LMI!
Up to 95% LVR
This is the premium home loan tier for professionals. Borrow up to 95% LVR with zero LMI, saving thousands upfront.
How much money
can I borrow?
Use our free borrowing power calculator to get an accurate industry standard estimate how much you can borrow!
We compare all the banks, so you don’t have to
60+
We compare more banks & fintechs than anyone else
120+
Home loan options scanned to get you approved fast
$0
Of hidden Loanity fees. You simply shouldn’t pay to borrow money
3
The top 3 best, most
suitable deals for your next home
Don’t worry we’ve got your back through every step
Live human support
24/7
No need to speak to a clueless AI bot! You can contact us directly to disscus any issues/questions!
Up to and over
+100
Free accessible videos, articles, and tools which we have prepared for you to ease your journey
30 minute consultation
For Free!
Want direct help? No worries. Stop waiting and book your free consult immediately!
Still got questions?
Answer to your questions
Am I eligible to apply for a home loan with Loanity?
Eligibility depends on your situation, but most Australians qualify if they have a stable income, a good credit history, and meet basic lending requirements. We’ll assess your borrowing power, deposit size, income type (PAYG or self-employed), and overall financial position to help you understand exactly where you stand. Find out about your elidgibility through a free consultation session.
Can I really get a home loan with just a 5% deposit?
Yes. Many first-home buyers enter the market with as little as 5% deposit. We’ll guide you through low-deposit home loan options, government schemes, and whether you qualify for LMI waivers, grants, or lender incentives to help you buy sooner.
What is the difference between a broker versus going to a bank?
Unlike a bank that offers only its own products, a brokre compares multiple lenders to find better rates, clearer terms, and more flexible loan options. Our job is to negotiate for you, explain everything in simple language, and help you choose the loan that suits your goals — not the bank’s.
Do we charge any fees for home loan or refinancing services?
Nope! Our home loan and refinance services come at no cost to you. We’re paid by the lender when the loan settles, so you get expert support, comparisons, and personalised advice without paying a cent in broker fees*.
*Read more about our refundable engagement fee here
How long does the home loan approval process take?
While bank processing times vary, Loanity aims to get you “market-ready” as quickly as possible. We generally aim for a conditional pre-approval within 2 to 5 business days, provided all documentation is ready. Having this pre-approval in hand gives you the confidence to make a firm offer or bid at auction, knowing exactly what your budget is.
Can Loanity help me if I’m self employed or have non-standard income?
We absolutely can! We work with lenders who specialise in self-employed and contractor income. Whether you have tax returns, BAS statements, or alternative documentation, we’ll help structure your application so you’re in the strongest possible position.
Find out more here.
What interest rates can I get right now?
Interest rates depend on your lender, credit score, income, deposit size, and loan type. We compare a wide range of lenders daily to help you secure competitive home loan rates and show you how refinancing could save you money.
Does Loanity offer special conditions for medical professionals?
Certainly – many lenders offer special home loan benefits for certain professionals, including 95% LVR, $0 LMI, priority assessment and discounted interest rates. We can check whether you qualify instantly.
Read this list to see whether your occupation qualifies.