Home-loan options
Explore your home-loan options.
Explore lending for a first or next home, refinancing, property investment or building. Luke will help you compare options against your needs and circumstances.
Choose your starting point
Choose the help that matches your goal
Explore the options, prepare your questions and find a starting point that feels right for you.
First home buyers
Plan the deposit, costs, application and property decision.
Pre-approval
Understand what is checked and which conditions still remain.
Refinancing
Compare staying and switching, including costs and loan term.
Loan reviews
Review the current loan before deciding whether to change it.
Investment property
Keep loan purpose, structure and adviser roles clear.
Construction loans
Coordinate the contract, valuation, contribution and progress draws.
Debt consolidation
Measure the term, total cost and risk before combining debts.
Fixed or variable
Understand certainty, flexibility and the trade-offs between structures.
Repayment planning
Model a principal-and-interest scenario with visible assumptions.
Lender comparison
See how eligible options can be researched and compared.
A useful comparison
Compare what matters most
The weighting changes with the borrower, property and plans ahead.
Policy fit
Income, liabilities, property, purpose and lender criteria.
Cost
Interest, fees, loan term and the way you expect to repay.
Useful flexibility
Features, restrictions and likely changes in your plans.
Unsure where you fit?
Start with the goal, not the loan name
Luke can help identify which information and lending pathway are relevant to your situation.
Make an enquiryCommon questions
Home-loan answers
Which home loan is best?+
There is no universal best loan. Suitability depends on your needs, financial position, property, purpose and the costs and features of options for which you are eligible.
Can Loanswest guarantee approval?+
No. Loanswest can help assess and prepare an application, but the lender decides approval after applying its policy, verification and property assessment.
Is the lowest rate always the lowest-cost loan?+
Not always. Fees, loan term, repayment type, introductory conditions and the value of features can alter total cost. Compare equivalent scenarios and the way you expect to use the loan.
Ready to compare your next move?
Talk directly with Luke Serra about the goal and timing.