Home Loans

At Get Approved, we help Australians secure home loans that fit their actual life — not just the ones banks can offer. Whether you're buying your first home, upgrading, investing, or refinancing, we go to work for you across a panel of over 40 lenders to find the right loan and fight for your approval.

And if you're self-employed? You can apply with no bank statements, no tax returns, and no financials required.

Built for real borrowers — not just the easy ones.

Banks have a narrow idea of the perfect applicant.We don't! That's exactly where we do our best work.

What we help with

First Home Buyer Loans — navigate grants, guarantees, and the full process with an expert beside you
Investment Loans — structure your lending to maximize returns and protect your portfolio
Refinancing — find out if you're overpaying and switch to a better rate without the stress
Construction Loans — progress payment structures managed from slab to handover
Low-Doc Home Loans — approval without full financials, ideal for self-employed and sole traders
Adverse Credit Home Loans — defaults, late payments, or a past knock-back don't have to be the end of the story
SMSF Loans — purchase investment property through your self-managed super fund
Commercial Property Loans — finance your business premises or commercial investment

Why borrowers choose Get Approved

Access to 60+ lenders — major banks, non-banks, and specialist private lenders
No financials required for eligible self-employed applicants
15+ years of experience navigating complex applications
We fight for your approval — not just process your paperwork
Clear, honest communication at every stage — no jargon, no surprises
Australia-wide — we work with clients in every state and territory

Worried about approval?

You're not alone. Most people who come to us have been told no by a bank, or assume their situation is too complicated. In the majority of cases, it isn't — it just needs the right lender and someone who knows how to present your application properly.

That's what we do.

What happens when you contact us?

We talk through your situation — no forms, no pressure
We identify the right lenders and loan structures for you
We manage the application from submission to approval
You get the keys to the property :)

It really is that straightforward.

Ready to get approved?

Whether you're just starting to look or you've already found the property — reach out today. We'll give you a clear picture of where you stand and what's possible.

Let's get you approved.

1. Understanding Your Needs

Your mortgage journey begins with a detailed consultation with your Finance & Mortgage Broker. Your broker will listen to your property goals, whether you’re buying a home, investing in real estate, or seeking a commercial loan. They will assess your financial situation, considering factors like income, savings, liabilities, and credit history, to provide tailored advice on loan options available to you.

2. Financial Positioning

Your broker will request relevant documentation as required to determine your borrowing capacity. They will calculate how much you can afford to borrow, considering important factors like LVR, potential LMI, and interest rates. Your broker will also advise you on how to improve your financial standing if necessary, ensuring you are in the best position to apply for a loan.

3. Comparing Loan Options

Once your financial situation is fully assessed, your broker will begin comparing loan products from a range of lenders across Australia. They will help you weigh the benefits of fixed interest rate loans versus variable interest rate loans, as well as exploring options for offset accounts and interest rate discounts. They will also explain important terms like loan features, fees, and other considerations like the potential for future rate changes or LVR adjustments.

4. Pre-Approval Process

Pre-approval is a crucial step in the property buying process. With pre-approval, you’ll have a clear idea of the loan amount you can borrow, which strengthens your position in the local property market. Your broker will help you gather the necessary documents and submit them to the lender for pre-approval, ensuring the process is as quick and straightforward as possible.

5. Submitting the Loan Application

Once pre-approval is in hand, your broker will help you complete the loan application. They will guide you through submitting all necessary paperwork to the lender, including documents like bank statements, proof of income, and details of existing liabilities. Your broker will communicate directly with the lender to ensure the application is processed quickly, ensuring no delays in getting you the loan you need.

6. Loan Approval & Settlement

After your loan is approved, your broker will review the final loan offer with you and help arrange any necessary insurance, such as mortgage protection insurance. They will also work with you to ensure you understand the terms of the loan and guide you through the settlement process. Your broker will remain available to help you navigate any final hurdles before you complete the purchase of your property.

7. Finalising Ownership

The final step is settlement, when your loan is officially advanced, and you take ownership of the property. Your broker will coordinate with the lender and conveyancer to ensure the transfer goes smoothly. Once the settlement is complete, you’ll officially become the owner of the property, and your Finance & Mortgage Broker will continue to offer guidance to help you manage your loan and stay on track with repayments.