Fixed-Rate Home Loans
Lock in your interest rate for a set period, providing predictable repayments regardless of market fluctuations. Ideal for buyers who want financial stability and budgeting certainty.
Services > Home Loans
home loans
Simple & Affordable Home Loans in Australia
At Prosper Loan Experts, we offer personalised loan options that suit your financial situation, whether you’re a first home buyer, refinancing, or investing.
Our brokers connect you with trusted lenders across Australia, including Sydney, helping you secure competitive rates and flexible terms.
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Why Choose Prosper for Your Home Loans?
Choosing the right home loan can make all the difference in your journey to owning a home. At Prosper Loan Experts, we offer solutions designed to give you confidence and flexibility. Here are some of the key benefits you can expect when you work with us:
Loan amount
$150,000 - $2,000,000
Secured interest rate
5% - 6.8%
Unsecured interest rate
Not Offered
Loan terms
10 - 30 years
Rate type
Fixed or Variable or Split
Average turnaround
1 - 3 business days
Establishment fee
$0 - $1,000
Repayment frequency
Weekly, fortnightly, or monthly
Kinds of Home Loans Offered by Prosper Loan Experts
Variable-Rate Home Loans
Interest rates can change with market conditions, potentially lowering repayments when rates drop. Offers flexibility and often includes options for extra repayments without penalties.
Split-Rate Home Loans
Combine fixed and variable rates to balance security with flexibility. Protect against rate rises while benefiting if rates fall.
Low Deposit Home Loans
Designed for buyers with smaller upfront deposits, helping you enter the property market sooner. Often linked with government schemes to reduce deposit barriers.
First Home Buyer Loans
Specially tailored loans for first-time buyers, with access to incentives and grants. Brokers guide you through the process to make buying your first home easier.
Construction Home Loans
Provides funds progressively as your new home is built. Supports managing costs and cash flow during construction stages.
Property Loans
Loans specifically for purchasing rental or investment properties, with features that cater to investor needs like tax benefits. Structured to support your investment goals.
Refinancing Home Loans
Switch your current mortgage to Prosper Loan Experts for better rates or terms. Can help reduce repayments or free up equity for other uses.
What Documents Are Needed to Apply?
When applying for a home loan, having the right documents ready can make the process faster and smoother. Here’s what you’ll typically need to provide:
Identification Documents
Valid photo ID such as your passport, driver’s license, or Medicare card to verify who you are.
Proof of Income
Recent payslips (usually last two or three), or for self-employed applicants, recent tax returns and financial statements to show your earnings.
Bank Statements
Statements covering the last 3 to 6 months to help lenders understand your spending and saving habits.
Details of Current Debts:
Information about any existing loans, credit cards, or other liabilities you have. This helps assess your borrowing capacity.
Evidence of Savings or Deposit:
Documentation showing how much money you’ve saved towards your deposit, including savings accounts or gifted deposits.
Additional Documents (if applicable)
Rental history or proof of home ownership if refinancing.
- Business financials if you’re self-employed.
- Centrelink statements if you receive government benefits.
Our expert brokers will provide a personalised checklist based on your situation and guide you through collecting and submitting these documents to ensure your application is complete and efficient.
READY TO GIVE US A TRY?
Ready to make your homeownership dreams a reality?
Our expert team is here to help. Contact us today to begin your home loan journey!
No Compromise, Just Maximize.
Getting a Home Loan
Initial Consult
Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.
Fact Find
We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for your first Home Loan.
Pre Approval
Once you're approved, you can start bidding or making offers on properties you want to purchase.
Settlement
You settle on the property, your Home Loan draws-down and you're good to go!
How It Works: Simple Steps to Your Personal Loan
Buying a home can be complex, but with Prosper Loan Experts, the process is straightforward and stress-free. Here’s how we guide you step-by-step:
1
Free Consultation
Speak with our experienced finance specialists about your unique situation.
2
Loan Assessment
We identify loan products best suited to your credit profile and goals.
3
Fast Approval
Enjoy a streamlined process with quick decisions.
4
Flexible Repayments
Choose a repayment plan that fits your budget and lifestyle.
Frequently Asked Questions
What types of home loans are available in Australia?
There are several home loan types to choose from, including fixed-rate, variable-rate, interest-only, and split loans. Each option has different features to suit your financial situation and goals. To learn more about your options, visit our [Home Loans page](https://prosperloan.com.au/home-loans).
How do I qualify for a home loan in Australia?
Lenders look at your income, credit history, savings, and current debts to decide if you qualify. Having stable employment and a good credit score generally improves your chances. For guidance, our [contact page](https://prosperloan.com.au/contact-us) is a great place to start.
What is the minimum deposit required for a home loan?
Most lenders ask for a deposit of at least 5%, but some offer options with lower deposits, especially when combined with government schemes designed for first home buyers. Find out more about deposit requirements on our [First Home Buyers page](https://prosperloan.com.au/first-home-buyers).
How much can I borrow for a home loan?
The amount you can borrow depends on your income, expenses, savings, and lender policies. Getting pre-approved helps you understand your borrowing capacity. Learn about pre-approval on our [Home Loans page](https://prosperloan.com.au/home-loans).
What are typical interest rates for home loans in Australia?
Interest rates vary depending on the lender and loan type but usually range between 4% and 7%. You can choose fixed or variable rates based on your preferences and financial goals.
How long does the home loan approval process take?
Approval times can range from a few days to several weeks. The timeline depends on how quickly you provide documents and how the lender processes applications.
Can I get a home loan with a bad credit history?
Getting approved with bad credit can be harder but is still possible. Some lenders specialise in loans for people with less-than-perfect credit. For options, see our [Bad Credit Loans page](https://prosperloan.com.au/bad-credit-loans).
Should I use a mortgage broker or apply directly with a bank?
Mortgage brokers compare multiple lenders and loan products for you, helping find the best deal and simplifying the process. Many borrowers find using a broker saves time and money.
What fees and charges are involved in a home loan?
Common fees include application fees, valuation fees, account-keeping fees, and sometimes lenders mortgage insurance if your deposit is under 20%. It’s important to understand all costs before applying.
What Our Clients Say About Prosper Loan Experts
Real stories from satisfied clients who found the perfect loan solutions with our help.
George Owens
The team at Prosper made my home-buying process so much easier. They listened to my needs and found the perfect loan for my situation. Their support and guidance were invaluable every step of the way.
Max Tanner
I was overwhelmed with refinancing options, but Prosper expert took the time to explain everything clearly. They helped me secure a better rate, saving me thousands. I couldn't be happier with their service.
Shraddha Adhikari
Got right consultation and advice regarding our loan processing for business. The other best part is that it was swift and easy, got everything settled within couple days. Great service…would highly recommend.
Romina Shrestha
My husband & I were dealing directly with Bala ji for our Commercial loan. Not only did he make the process seamless & easy to understand, he also help us feel comfortable with any next steps. I would highly recommend Bala ji for anyone who is looking for home loan. Thank you once again for your amazing service.
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We are a top-rated mortgage and finance broker in Australia, trusted by individuals and businesses for expert support in home loans, car loans, investment loans, refinancing, private lending, and more.
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Prosper Loan Experts Pty Ltd ABN: 93 676 188 211. Credit Representative #527574 is authorised under Australian Credit License #384704.
Disclaimer: Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take into account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply. The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Prosper Loan Experts Pty Ltd T/A Prosper Home Loans.
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