When should I speak with a broker before buying?

It is helpful to speak with a broker before making an offer so you understand borrowing power, deposit needs and pre-approval options.

Can you help with pre-approval?

Yes. Winning Home Loans can help compare lenders and prepare a pre-approval application where suitable.

Do first home buyers and investors use different loans?

The right loan can depend on the property purpose, deposit, income, lender policy and future plans.

Find a home loan that fits your next move.

Variable from

6.04% p.a.

6.06% p.a. comparison rate. Owner-occupied P&I, up to 60% LVR.

3 year fixed

6.09% p.a.

6.08% p.a. comparison rate. Owner-occupied P&I, up to 70% LVR.

1 year fixed

6.19% p.a.

6.08% p.a. comparison rate. Owner-occupied P&I, up to 70% LVR.

Investment variable P&I

6.14% p.a.

6.16% p.a. comparison rate. Principal and interest, investment, up to 60% LVR.

Search by LVR

Enter the property value and loan amount to estimate the matching variable rate band.

Property value Loan amount Loan purpose Loan term

Estimated LVR60.0%

Rate band6.04% p.a.

Comparison rate6.06% p.a.

Estimated LVR60.0%

Monthly repayment$0Estimate only. Fees, rate changes and lender assessment can change the result.

Rates sourced from Macquarie Bank for new loans and last checked 01 September 2026. Rates are a guide only and can change; lender approval, loan purpose, LVR, borrower profile, property type and current lender policy apply.

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Pre-approval

Standard pre-approval steps

When you are ready to finalise a pre-approval, lenders usually need enough information to check your income, expenses, debts, savings and credit history. The exact documents can change by lender and situation.

Income and employment

Recent payslips, tax returns if self-employed, employment details and any other income information a lender needs to assess servicing.

Assets and liabilities

Bank statements, savings balances, deposit history and current debts such as credit cards, personal loans, car loans or HECS/HELP debt.

Credit and lender check

A formal credit history assessment, loan structure review and lender policy check before a pre-approval can be confirmed.

Good to know: pre-approval processing times, validity periods and required documents vary between lenders. A broker can help you compare major banks, non-bank lenders and online lender options before you apply.

Next steps

Helpful tools for buying a home

Use the Learning Centre and calculators to understand the process and check the numbers before you apply.

Learn

Read plain-English home loan topics, glossary terms and pre-approval guidance before you make your next move.

Calculator

Estimate repayments, borrowing power, stamp duty and buying costs so your numbers feel clearer.

Ready when you are

Let's get you a Winning Home Loan

Apply online or book a broker call and we will help you understand the right next move for your situation.

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Multiple lendersWe do the hard work so you don't have to.

$0Broker service cost to you in most settled loans.

1:1Guidance from application through settlement.

Australia wideLocal broker support with Australian lender access.