Residential Property Finance

We offer a personalised approach, industry expertise and commitment to securing the best outcomes for our clients. We take the stress out of the home loan process by handling everything from loan comparisons to paperwork, ensuring a smooth and hassle-free experience. Past and current clients appreciate our honesty, transparency and ability to find tailored solutions that fit their financial goals. With access to a wide range of lenders, we can negotiate competitive rates and provide ongoing support even after settlement.


Why choose PropertySensor

Competitive interest rates and loan terms
Access to a comprehensive panel of 66 lenders
Bespoke and tailored financing solutions and personalised service
Licensed with Mortgage & Finance Association of Australia membership
ANZ
AMP
Bank of Melbourne
Citibank
Commonwealth Bank of Australia
ING
Latrobe Financial
NAB
Westpac
First Home Loans

Excited to buy your first home? We’re here to guide you through every step of the process, from understanding how much you can borrow to finding the best loan options for your needs. Our expert advice will help you secure the perfect home loan, with competitive rates and tailored support.

Refinancing

Want a better rate, access more funds or consolidate debt? Refinancing could be the perfect solution. We help you find the best refinancing options to reduce your repayments, get extra funds or streamline your existing loans, making your financial life easier.

Low Deposit Home Loans

Saving for a large home deposit can be hard. Some lenders offer home loans with as little as 5% deposit, and we can guide you through government-backed schemes like the First Home Guarantee to help you secure your dream home faster.

Investment Loans

Whether you're looking to buy your first investment property or expand your portfolio, we’ll help you secure the right investment loan. We provide expert advice on loan products that maximise your investment potential while managing risk.


Commitment to excellence

We provide expert guidance, making the home loan process simple and stress-free. We tailor our solutions to fit your unique financial goals, ensuring you receive the most competitive rates and loan products available. With access to a wide range of lenders, we handle the paperwork and negotiations on your behalf, saving you time and effort. Our commitment doesn’t end at settlement—we continuously review your loan to ensure you’re always on the best deal. Clients trust and recommend us because we deliver results, provide honest advice and always act in their best interest.


Frequently asked questions

This depends on the lender and loan type. Generally, a 20% deposit is ideal to avoid Lenders Mortgage Insurance (LMI), but some lenders allow as little as 5% with government-backed schemes.

A fixed-rate loan locks in your interest rate for a set period (for example: 1 to 5 years), offering stability in repayments. A variable-rate loan fluctuates with market rates, which can lead to lower payments when rates drop but higher payments when they rise.

Pre-approval can take 1–5 business days, while full approval typically takes 1–3 weeks, depending on your circumstances and lender processing times.

You’ll generally need proof of income (payslips or tax returns), ID, bank statements, and details of any existing debts or assets. We’ll guide you through the full checklist.

In addition to your deposit, you should budget for stamp duty, legal fees, lender fees, inspection costs, and potential Lenders Mortgage Insurance (LMI) if your deposit is below 20%. We can help estimate your total costs to ensure you’re financially prepared.

While not mandatory, getting pre-approval gives you a clear idea of your borrowing power and strengthens your position when negotiating with sellers. It also speeds up the loan process once you find a property.

Your borrowing capacity depends on factors such as your income, expenses, existing debts, credit history, and the lender’s assessment criteria. Lenders will also consider interest rate buffers to ensure you can manage repayments if rates rise. We can help you determine how much you may be eligible to borrow and explore loan options that suit your financial situation.

Yes! Refinancing allows you to secure a lower interest rate, reduce monthly payments, or access equity for other financial goals. We’ll compare offers and ensure refinancing benefits you.

Yes, you can! We offer tailored solutions for self-employed applicants, and we’ll guide you through what documentation is needed to secure approval.

At settlement, the ownership of the property is officially transferred to you. Funds are disbursed, and all legal documentation is finalised. We work closely with your solicitor and lender to ensure everything runs smoothly.

Complete the form below to hear back from us within 24 hours to learn how we can help fund your next property purchase.