Just 1 document-that's all it takes for your commercial loan

🧭We guide you with warmth, clarity, and calm support — so your journey feels smoother and easier.

👉 Estimate your borrowing capacity in under 1 minute
No documents & no impact on your credit score.

Home loans made with precision, simplicity, and crafted for you.

👉 Start your application — it’s fast and smooth
Just a few simple details to get started.

🏠 Home Loan Types

Explore every path to homeownership — from first-time buyer support to tailored solutions for professionals, families, and self-employed Australians.

🔰 First Home Buyer Options

For those entering the market for first time.
🏡 First Home Buyer Loan
Tailored support with lower deposits, grants, and flexible options.
🛡️ First Home Guarantee (5% Deposit, No LMI)
Government-backed scheme to buy with just 5% deposit and no LMI.
👉 Check your eligibility — nice and easy
With just few simple details, no forms, no impact on your credit score.

👨‍👩‍👧‍👦 Family-Backed Loans

Support from loved ones to help you buy sooner.
👨‍👩‍👧‍👦 Guarantor Home Loan
A parent or close relative offers part of their property as security.
👥 Dual Guarantor, Single Title Loan
Two guarantors support the loan, but only one person owns the property.
👉 We’ll help you structure it
Get strategic advice, quick and easy.

📉 Self-Employed & Alt Documents

Flexible options for business owners and sole traders.
💼 Low & Alt Doc Home Loan
Use BAS, bank statements, or accountant letters — no tax returns needed.
❌ No Doc Home Loan
Minimal documentation required — for asset-rich or niche borrowers.
👉 Let’s talk tailored lending
Begin your personalised lending conversation.

🧑‍⚕️ Professional & Specialist Loan

Exclusive benefits for eligible professionals and unique borrower profiles
🧑‍⚕️ Professional Home Loan (10% Deposit, No LMI)
Doctors, lawyers, medicos, accountants and more may qualify for waived LMI.
🔐 Non-Conforming Home Loan
For borrowers with credit issues or unique income structures.
👉 Let’s find your path forward
Tailored guidance-confidential & obligation free.

🗂️ Home Loan Categories

A quick guide to how different loan purposes shape your lending options

📘 Understanding Loan Purpose

While loan types focus on who you are as a borrower (e.g. first home buyer, self-employed), loan categories describe how the property will be used. These categories influence your loan features, eligibility, and repayment structure — and help us tailor the right solution for your goals.

📋 Common Home Loan Categories

👉 Estimate your borrowing capacity in under 1 minute
Quick, indicative estimate-no impact on your credit score.
Category
Description
Owner-Occupied Loan
🏠 For homes you plan to live in. Offers lower rates and stable repayment options.
Investment Loan
📈 For rental or income-generating properties. Often includes interest-only and tax-effective features
Construction Loan
🧱 Funds released in stages as your build progresses. Ideal for new homes or major renovations.
SMSF Loan
🧓 Lets you buy property through your Self-Managed Super Fund. Requires a compliant structure.
Bridging Loan
🌉 Short-term finance to bridge the gap between buying a new home and selling your current one.
Green Loan
🌿 Offers incentives for energy-efficient homes with solar, insulation, or sustainable features.

💬 Not sure which category fits your goals?

Let’s talk through your plans and find the right loan structure for your next move.
👉 Estimate your borrowing capacity in under 1 minute
Quick estimate, no forms, no documents and no impact on your credit score.
Loan mall ACN: 676520237 credit representative number: 559389 of AFG Australian credit license number: 389087
Contact Loan Mall mortgage and finance brokers
0401 15 10 20 0452 13 15 17 Postal: 99 Read St Rockingham WA 6168
Address
99 Read St Rockingham, WA 6168 77 Macedon St, Hoppers crossing VIC 3029
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