Securing a home loan

Did you know that some of the home loans with the lowest rates on the market are from smaller lenders?

At Collective Financial Solutions, we can help you find a great value home loan with the right features for your needs.

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

To learn more about home loans, continue scrolling…

What our customers have to say...

Lisa had made the whole process extremely easy and has helped guide us smoothly throughout. Couldn’t recommend Lisa highly enough. Cheers

Justin Noonan

Lisa was fantastic dealing with. She made it so easy, quick & seamless getting my loan approved. Highly recommend Lisa!!

Elida Behari

I have dealt with Lisa from Collective Financial Solutions to secure 2 loans now. On both occasions Lisa ensured my desired outcome in a smooth and timely manner.

Davina Hollands


When applying for a home loan, it is important to:

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Look at properties in your price range in the areas you like, and in the surrounding suburbs. See what’s happening in the local market by talking to real estate agents about properties that have sold and go to some local auctions. Once you’ve found the home you’re interested in, you may want to engage a valuer to determine the market value of the property.

It’s important that you set an upper limit and actually stick to it, otherwise you run the risk of tying yourself to a burdensome debt that you’ll struggle to repay. Don’t allow the emotion of the negotiation get the better of you, but also be careful not to put the owner offside with an insulting offer. If you are making a low offer, make sure to provide information about why you believe the offer is genuine.

Look at suburbs where there are lots of properties for sale, as there will be less competition from other buyers – but more competition between vendors to secure a deal. This will give you a stronger negotiation position with a seller who is competing with other homeowners in the area.

Keep in mind that there’s no such thing as the ‘perfect’ home, so you may need to “set priorities Determine what you’re willing to sacrifice, especially if you have a limited budget, and go from there.

Have they already committed elsewhere? Are they financially over-extended and desperate to sell? Or is it an investor who is keen to liquidate their assets? Ask the agent plenty of questions, as this information can be extremely valuable during negotiations. Sometimes a seller will take a lower price if the terms and conditions are more favourable to their own situation.

Auctions are aimed at putting buyers in direct competition with each other in order to generate the highest price for the seller. In other words, they’re firmly tipped in favour of the vendor. If you’re planning to buy a home that is going to auction, then spend some time understanding the psychological process that the agent will be using leading up to and during the auction itself. At auction you’ll be buying on a cash unconditional basis so you must have your finance approved, building and pest inspections completed and have spoken to your solicitor about the contract before auction day. Also, remember that there is no cooling off period if you buy at auction.

How we can help

Whether you’re looking to purchase your next home or would like more information on home loans, contact us today.

Speak to a broker

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