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Home Loans

Secure your perfect home loan, from first-time buying to investment properties—with rates often below market averages.

Home Loans

Convergence Finance Home Loans

Why Choose Convergence Finance for Your Home Loan?

Lower Rates

Save up to 0.8% compared to direct bank offers

Stress-Free Process

Dedicated broker handles paperwork and negotiations

Specialist Advice

First home buyers, investors, and self-employed welcome

Home Loans

First Home Buyers

We make your first purchase smooth and affordable.

  • 5% Deposit Options : Leverage government schemes (e.g., FHLDS)
  • Stamp Duty Savings : Maximize state-specific concessions
  • First-Time Guidance : Avoid common pitfalls
Home Loans Process

How It Works

Free
Consultation

Free Consultation

Discuss goals and budget (15-min call)

Loan
Matching

Loan Matching

We negotiate with lenders on your behalf

Fast
Approval

Fast Approval

Most applications settled in <72 hours

Start Your Application
FAQ

Common Questions Answered Fast

Find quick answers to common queries below. Can’t see your question? Contact our team for personalized advice.

What is a home loan and how works?

A home loan, also known as a mortgage, is a loan provided by a lender to help you purchase a residential property.

Most lenders require a deposit of at least 5% to 20% of the property’s value. However, if your deposit is less than 20%, you may need to pay Lenders Mortgage Insurance (LMI).

Yes, pre-approval gives you a conditional loan offer based on your financial position. It helps you understand your borrowing capacity and shows sellers you're a serious buyer.

A fixed-rate home loan locks in your interest rate for a set period, offering repayment certainty.

The right home loan depends on your income, goals, and financial situation. Factors to consider include interest rate, loan features, repayment flexibility, and fees.

Testimonial

What Our Clients Say About Us

Don’t just take our word for it—hear from satisfied clients who’ve transformed their financial futures with our tailored solutions and expert guidance.

Contact Our Team

Let’s Get In Touch

For immediate assistance, call our team. If you are prefer written communication? Reach out us via email.

Get Your Free Quote
+61 390 524 040
Request a Free Consultation
Call Now