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Collective Financial Solutions have helped thousands of Australians get a better home loan. With our smart technology and access to over 50 lenders, our team of Home Loan specialists match customers with loans that suit their needs and help them get approved faster.

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The loans for your situation are...

It pays to shop around. We have searched hundreds of different loan options to find you the top four results based on your choices.

* Products selected are indicative only based upon the general information you have provided and subject to meeting lender terms & conditions. There may be cases that we are be able to offer more competitive products based upon obtaining further information and meeting lender requirements.

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I'M LOOKING TO BUY

Selecting a home is a significant decision, and securing the right mortgage is equally important. Our team, with access to over 50 lenders, can assist you in finding a great deal or the perfect lender for your home loan.

 

I'M LOOKING TO INVEST IN PROPERTY

Many Australians are seeking to get ahead by investing in real estate. With a variety of products and lenders available, now is an opportune time to strategically grow your investment property portfolio.

 

I'M LOOKING TO REFINANCE

As a mortgage broker, we provide clients with competitive rates and access to a broad selection of products available on the market. By not refinancing, you could be losing thousands of dollars annually. Contact us today to explore your options.

 

VIC Government Grants and Schemes

First Home Owner (New Homes) Grant

If you are buying or building a new home, you could be eligible for the First Home Owner Grant of $10,000, if you signed your contract on or after 1 July 2013. Your new home must be valued at $750,000 or less and be a new home. The property must not have been previously sold as a place of residence, occupied as a home, leased out or used for short-term accommodation, such as Airbnb.

Talk to us today to find out how we can help!

Australian Government 5% Deposit Scheme

The Australian Government 5% Deposit Scheme is designed to support eligible home buyers to enter the housing market sooner. It does this by allowing Housing Australia to issue guarantees for eligible loans to home buyers with a deposit of between 5 and 20% of the property value.

Talk to us today to find out how we can help!

Victorian Homebuyer Fund shared equity scheme

The Victorian Homebuyer Fund is supporting thousands of Victorians to enter home ownership – at a time when it’s harder than ever to save. If you have a 5% deposit, the Victorian Government could contribute up to 25% of the purchase price in exchange for an equivalent share in the property. This will save you money by reducing your mortgage and removing the need for Lenders Mortgage Insurance.

Talk to us today to find out how we can help!

Check out our 5 Star Google reviews

We have access to over 50 lenders so you can be confident in us finding the right home loan to suit your individual circumstances.

 

Home Loans

We compare thousands of hone loans from over 50 leading banks and non-bank lenders to help you find a loan quickly and easily.

For more information, speak to us today!

 

Investment Loans

If you are a property investor, finding a competitive investment loan is an important part of maximising returns from your investment.

Contact our team today to discuss your options.

 

Low Doc Loans

If you’re self-employed and your bank knocks back your application to purchase a property, we can help you.

Click here for more information.

Latest News & Mortgage Tips

How a Mortgage Broker Can Help You Beyond the Loan

3 December 2025

Most people think of mortgage brokers as the professionals who help you secure a home loan—and while that’s true, their role goes far beyond the initial transaction. A good broker becomes a long-term partner in your financial journey. From the start, brokers provide tailored advice based on your unique circumstances.

Read more

How to Use Equity to Fund a Holiday or Investment

26 November 2025

Your home isn’t just a place to live—it’s also a valuable financial asset. As property values rise and your mortgage balance decreases, you build equity. This equity can be accessed to fund a variety of goals, from a dream holiday to a new investment. Equity is the difference between your

Read more

Contact Us

Our team will help you search, choose and settle your loan. Chat to one of our loan specialists at a time that suits you.

General Enquiries
Lisa – 0418 174 003
Sam – 0437 987 417