Outlook Finance · Home Loans

Home Loans

From your first home to your tenth investment property, we’ll find the right loan from Australian lenders — and handle the application end-to-end.

Get a Free Assessment →

🛡️

ACL Licensed

Australian Credit Licence 418711

★★★★★

Google 5-Star Rating

Verified client reviews

🏆

15+ Years Experience

2,000+ Australian families helped

The problem with banks

Your bank only offers your bank’s products

Walk into one bank and you get one credit policy, one rate sheet, one answer. If your situation doesn’t match their template — variable income, recent ABN, complex deposit structure — you get a no, and you never find out which of the 30 other lenders would have said yes.

The Outlook way

One broker. lenders. The right loan for you.

We’re licensed mortgage brokers (ACL 418711) on a panel of Australian lenders — major banks, second-tier lenders, and specialist funders. We compare every product against your real situation, walk you through the 2-3 best options, and handle the application from first conversation to settlement.

How it works

Three steps. Roughly 30 minutes.

1

Apply

Tell us your situation in a 2-minute online form, or call for a 10-minute chat. No documents needed yet — we just want to understand what you’re trying to do.

2

Assess

We compare every product on our lender panel against your situation, then walk you through the 2-3 best options including realistic rates, fees, and turnaround times.

3

Approved

We package and submit the application, chase the lender, and keep you informed at every step. Most clients are unconditionally approved within 5-10 business days.

Frequently asked

Common questions about home loans

How much can I borrow?+
Borrowing power depends on your income, expenses, debts, deposit, and credit profile. As a rough guide: a single PAYG borrower on $90,000/year with no other debts could borrow around $480,000-$540,000 at current rates. Self-employed borrowers, multiple incomes, or non-standard situations vary widely. Use our calculator or talk to a broker for a precise number based on your actual lender panel options.
Do I need a 20% deposit?+
No. Many lenders accept 5%-10% deposits with Lenders Mortgage Insurance (LMI). Some professional groups (doctors, lawyers, accountants) qualify for 90%-95% LVR with no LMI. First Home Buyers may also access government schemes like the Home Guarantee Scheme that waive LMI on a 5% deposit.
What's the difference between fixed and variable rates?+
Fixed rates lock your repayment for a set term (1-5 years typically) — predictable but limited features and break costs apply if you exit early. Variable rates move with the lender's standard rate — more flexibility (offset accounts, redraw, extra repayments) but exposed to rate changes. Many borrowers split their loan: part fixed, part variable.
How long does the process take?+
From first conversation to formal approval: typically 2-3 weeks. Application to settlement: 4-6 weeks for a refinance, 6-8 weeks for a purchase (depending on cooling-off and settlement period). Pre-approvals can be issued in 3-7 business days for most lenders.
How does Outlook Finance get paid?+
We're paid commission by the lender (not by you) when your loan settles. Commission rates are similar across our lender panel, so we have no incentive to push one lender over another — we recommend the loan that fits your situation best. We disclose commission amounts in your Credit Quote before you proceed.

Get a Free Assessment

Talk to a broker today — no cost, no obligation.

Three fields. We’ll be in touch within one business hour during NSW business hours.

Name(Required)

Or call 1300 432 961 · Mobile 0481 712 907 · Email info@outlookfinance.com.au · Mon-Fri 9am-6pm AEST