Home loan and refinancing support across Australia
Home loans, refinancing and investment loan support
Gifted Loans helps clients understand borrowing options for home loans, refinancing, investment property loans, construction loans and related residential lending needs. Clear guidance is provided from the first enquiry through to the next suitable step.
A clear next step
Ready to take the next step?
Start with a few simple questions about your home loan goal, then discuss the next suitable step with Gifted Loans.
Home loans
Home loan needs vary with the property, deposit, income, expenses and future plans of each borrower. Gifted Loans helps clients understand their borrowing position, the information lenders may require and the options that may suit their circumstances.
View the home loan checklist
First home buyers
Buying a first home can involve unfamiliar decisions about deposits, loan features, documents and timing. Gifted Loans explains the lending process in clear language and helps first home buyers prepare for the next suitable step.
Read the first home buyer guide
Refinancing
Refinancing starts with understanding why a change is being considered. This may include reviewing repayments, loan features, the remaining term, future borrowing plans and the costs involved in moving from an existing loan.
Read the refinancing guide
Investment loans
Investment property lending requires consideration of the purchase purpose, cash flow, existing commitments and future plans. Gifted Loans helps property investors understand suitable lending pathways and the documents likely to be required.
Read the investment property guide
Construction loans
Construction lending commonly involves a building contract, lender assessment and staged progress payments. Gifted Loans helps clients understand the expected process and prepare the available property, building and financial information.
Read the construction loan guide
Guarantor loans
A guarantor arrangement can create significant obligations for everyone involved. Gifted Loans explains the lending process, while guarantors may also need independent legal and financial advice before proceeding.
Read the guarantor loan guideA clear residential lending process
How Gifted Loans helps
Understand your goal
Start with the property purpose, timing and residential lending needs.
Review your borrowing position
Consider income, expenses, liabilities, assets and available information.
Compare suitable options
Review relevant lender options against your priorities and circumstances.
Prepare the application
Help organise the application and supporting documents requested for assessment.
Guide the next suitable step
Explain what happens next and keep the process moving at an appropriate pace.
Professional support
A clear process with broad lender access
Gifted Loans is an FBAA Member with access to a range of major banks and specialist lenders. Explore the current lender panel and accreditation information.
Preparing for a home loan
Get your application information ready
The documents required vary depending on the borrower, property and type of application. Use the home loan application checklist to see the identification, income, statement and property information commonly requested when preparing an application.
View the home loan application checklist
Start a residential lending conversation
Ready to discuss your home loan options?
Book a consultation and Gifted Loans will help you understand the next suitable step.
Preparing for a purchase, refinance or investment loan? Browse the Home loan guides and practical checklists, or visit the mortgage broker FAQs.