Home Loan Broker

Buy your dream home with all-time low rates.

Seeking loan approval for your first or next home? Get instant access to the same tools that brokers use to compare home loan rates across 30+ Australian lenders.

No annoying sign-ups or emails required to start comparing rates. Only when you’re ready, get qualified with us!

We negotiate home loan rates as low as

1.79 % P.A. 3 year fixed rate*
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2.94 % P.A. Comparison rate^

from 30+ lenders

Seek a sharp home loan Our forms will not affect your credit file
Rateseeker Benefits
Find the best home loan for your specific needs
Make better financial decisions while protecting your credit rating
Receive free expert advice from experienced mortgage brokers

Tips for buying your first home home

Buying a home is a huge financial commitment. If you are saving to purchase your very first home, you probably want all possible advice. Here are a few tips to help you prepare wisely and realise property ownership sooner. Save for down payment and other buying costs. The first thing you need to do is work out your finances to make sure that you have enough to cover your down payment and property buying costs such as stamp duty, legal fees and lender’s fees. This prevents unexpected expenses and gives you a realistic picture of how much you can afford before you start house hunting.

Check your eligibility for the First Home Owners Grant (and other incentives). This scheme offers Australians who are building or buying a first home up to $20,000 financial assistance, the amount depending on their state or territory. If you are eligible, you can use the funds towards your down payment, moving expenses or renovation costs on your starter home. Seek the sharpest home loan rates. Search for home loan offers from multiple lenders to ensure you’re looking at the best possible deals. Find out which one best fits your needs by comparing interest rates, lender’s fees and loan terms. Trusted mortgage brokers from Rateseekers can make this process easier at no cost to you.

From finding the best mortgage rates to expert home-buying tips to easy loan approvals, Rateseekers is your one-stop shop for your home loan needs. If you’re ready for the next step in buying your new home, our qualified mortgage specialists are here to make your application faster and simpler.

Buying a second home? Here are some considerations to keep in mind

Whether it’s by the beach or up in the mountains, buying a second home is one of the most exciting property investments you can make. If you’re ready to take the plunge, we recommend getting an expert’s opinion before applying for your second mortgage. Most lenders impose stricter mortgage qualifications for vacation homes and offer slightly higher interest rates. And if you’re planning to rent out your vacation home as a source of additional income, then your home becomes an investment property. Rateseeker has processed successful second mortgage applications throughout the years. We can help you outweigh the costs of owning a second mortgage, and help you secure the loan when you’re ready.

Thinking of buying a second home, but don’t know where to start? Talk to us about your goals. Our mortgage advisers will shop and compare the top mortgage offers so you can pick out the deal that is right for you. Connect with one of our experts today and we’ll get in touch within the next 24 hours.

Ready to seek the right loan for you?

  1. Step 1 Tell us what you need help with
  2. Step 2 Compare low home loan rates
  3. Step 3 Seek approval
Seek a sharp home loanSeek to refinance Our forms will not affect your credit file

We negotiate lower home loan rates from 30+ lenders

Rateseeker has access to all of Australia’s major banks, and over 30 third-party lenders. We provide tailored home loans and interest rates that suit your unique situation.

See what our customers have to say

Nick, Jason and Kevin were great with assisting us with our refinance, they kept us up to date throughout the process. Would definitely recommend them to others.

Amanda C

Happily Refinanced

My experience with Jason has been nothing but positive. I have done a refinance and purchase of a property through him. Both has transitioned smoothly with Jason providing prompt updates along the way. He is very professional, knowledgable and always available to his clients. I genuinely am grateful and thankful to Jason in helping my partner and I secure our dream home!I would definitely 100% use his services again. 10/10.

James M

Dream Home Owner

Jason was really helpful in getting us through the whole process of buying a property. He was very professional, responsive, and patient with all my questions. He is hands down the best broker! Highly recommend!

Dazee T

First Home Owner

From the beginning till the end of our settlements (purchasing and selling our properties), Nick and Jason have helped us along the journey, going above and beyond to secure our dream home. They were always available to answer our questions and provided us with great advise.

Anthony Y

Dream Home Owner

I have being using there service since 2015 and happy with their service. Nick & Jason provide great customer experience besides guiding with excellent professional advice. I highly recommend for anyone who are planning meet achieve their financial commitments like home loans.

Manojkumar D

Happily Refinanced

I highly recommend these guys! Reliable, responsive, efficient, very easy to work with! They were available after hours to accommodate our work hours. Got me and my fiancé the best rates and also went above and beyond when there was an issue with our settlement

Hillary

Dream Home Owner

FAQs about Buying a new Home

What Is The First Home Owners Grant?

The first home owners grant is a government grant developed to assist eligible first home owners to purchase a new home or build their home by offering a grant.

How Do I Apply For The First Home Owners Grant?

Applying for the First Home Owner Grant should be done at the same time as applying for your home loan. Our affiliated brokers will help with the application. You can also request an application from the office of state revenue directly.

How much is this First Home Owner Grant?

Each state has different rules and pays different grant amounts. The grant can vary from $5,000 in some states to $20,000 in others. In NSW, first home buyers purchasing a brand new first home will receive $10,000 first home owners grant up to a cost price of $750,000. States now require the property you purchase to be "brand new" to qualify for the first home owners grant.

If my partner & I are both eligible for the first home owners grant, do we get it twice?

No. When putting through an application, only one person in the application can be granted the FHOG. You also must make sure your partner hasn’t previously used or received the grant in Australia, as it may be denied.

Can I Still get a home loan with a poor credit history?

Eligibility for a home loan depends on many things, which includes your credit score. Your credit score is calculated by an assessment of how risky or trustworthy you are to possible lenders in regards to paying your loan back. Everyone's situation is different, and there are some lenders that will consider poor credit rating, defaults and even discharged bankrupt. Reach out to us if your credit history is of concern to you regarding a new home loan.

When does settlement take place after I put a deposit down?

The settlement date is usually listed on the contract of sale and this period varies by state and territory. This is important because there are different penalties if you do not settled by the agreed date, so make sure you check this before exchanging contracts. When the agreed settlement date arrives, you can pick up the keys to your new place!

Meet one of our experts

Director of Rateseeker
Director Nick Chong

As a founder of Ardent Capital Group, Nick Chong brings more than 12 years of financial planning and mortgage broking experience. This, together with his strong economics background, gives him the expertise to lead his handpicked talented team of advisers.

Get in touch and seek out the right home loan for you

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