Home loans

Home loans, structured properly.

A well-structured home loan isn't the cheapest rate on a comparison site. It's the one that fits your cashflow today and still works for you in three, five and ten years' time.

What we do

Residential lending, done the long way.

Most home loans are sold on rate. The problem with that is simple: the rate you see today is not the rate you'll pay for the life of the loan, and it isn't the thing that determines what you can actually do with your money along the way. Offset efficiency, redraw flexibility, split options, serviceability caps, fees, and the lender's appetite for your next move all matter more than the 0.05% difference between two advertised variable rates.

Hypercube Finance structures home loans across a panel of more than sixty Australian lenders. We start with what the loan has to do for you — cashflow, flexibility, tax efficiency, future plans — and then select the product and lender that fits. The rate matters. It's just not the first question.

Pick your starting point

Specialist home-loan pages.

First home buyers

FHOG, stamp duty concessions, Home Guarantee Scheme, and the deposit strategy that actually works — wherever you're buying in Australia.

First home loans

Next home buyers

Upsizing, moving, selling first vs buying first, and the ownership decisions that flow from it.

Upsizing loans

Pre-approval

Formal, usable pre-approval so you can bid with confidence and avoid rushed finance clauses.

Get pre-approved

Bridging finance

Buy the next one before you sell the current one — structured without the stress.

Bridging loans

Construction loans

New builds, knockdown rebuilds and renovations. Draw schedules and valuations coordinated.

Construction finance

Low deposit & LMI

Buying with 5–10%. LMI, professional waivers, and Home Guarantee Scheme options compared.

Low deposit options

Guarantor loans

Using family equity as security. Structured with a clear exit to release the guarantor.

Guarantor loans

Expat & non-resident

Foreign income, FIRB, and LVR caps navigated by brokers who've actually closed them.

Expat loans

Q&A

Home-loan FAQs

How much deposit do I actually need?

For a standard owner-occupied purchase, 20% of the purchase price plus stamp duty and costs lets you avoid Lenders Mortgage Insurance. You can go in with 5–10% — LMI is the main cost of doing that, and there are ways to reduce or avoid it (Home Guarantee Scheme, professional packages, guarantor structures). We map the trade-offs in the discovery call.

How is my borrowing power calculated?

Every lender runs its own serviceability calculator. Your income is assessed (with haircuts on bonuses, rental income, overtime and commissions), your living expenses are benchmarked, your existing debts are stress-tested at higher rates, and what's left is capitalised at the lender's assessment rate. The number each lender gives you can vary by tens of thousands of dollars on the same income.

What's better — fixed or variable?

Neither, universally. Fixed gives certainty and protection against cash rate rises. Variable gives flexibility, offset, redraw and the ability to make extra repayments without break costs. Most clients end up with a split to get the benefit of both. The right split depends on cashflow, timeframe, and cycle position.

Do I pay you, or does the lender?

For residential home loans, our remuneration is paid by the lender as a standard broker commission. You don't pay Hypercube Finance directly for a home-loan engagement. If any engagement ever sits outside that model, we disclose it in writing before you agree.

How many lenders do you work with?

More than sixty. That includes the four majors, second-tier banks, credit unions, non-banks, and specialist commercial/SMSF funders. More panel depth means more policy niches we can match to a deal that a single bank would have declined.

Can I refinance with you even if you didn't write my original loan?

Absolutely. A lot of our clients come to us at refinance time because their existing broker went quiet and the bank stopped sharpening the rate. See the refinancing pillar for what we look at.

Keep exploring

Home loans, structured properly.

Residential lending, done the long way.

Specialist home-loan pages.

Home-loan FAQs

Related reading

Ready to structure this properly?