Home Loans

We Specialise In Residential Home Loans.

Home Keys

Without the right advice and support, purchasing property can be a stressful and overwhelming experience.

You are likely to have many questions which need to be answered – How much can I afford to borrow? What deposit will I need? Which lenders best fit my goals and objectives?

From friendly initial advice, through to settlement and beyond, Finance Ferret will be there with you, adding real value at every stage.

Being accredited with a wide panel of lenders, you can have peace-of-mind knowing that you will be able to find the right solution to your unique circumstances – and without having to do weeks of legwork.

Following the simple steps below, let Finance Ferret guide you through the property purchase process.

The Finance Ferret Process

Get In Touch

If you’re interested in applying for a home loan, our friendly team are waiting to hear from you. Getting started is as simple as completing our online Assessment Form. However, if you prefer, you can always phone us on 1800 FERRET or send us an email at [email protected].

Find The Right Home Loan

Once we have reviewed your initial information, one of our friendly team will send you our Welcome Email which sets out the more detailed information and supporting documents required to progress to a formal application. To make this process as simple as possible for you, we utilise a number of financial technology systems which simplify the process for you. At this point we will also arrange an appointment to meet with you. At this meeting we will discuss:

  • Any questions that you may have, such as how much can I afford to borrow? And, what deposit will I need?
  • What loan structure is most appropriate for your goals and objectives.
  • Which lenders are most aligned with your goals and objectives.

Loan Application

Once you have decided which lender you would like to proceed with, we will:

  • Prepare our Loan Summary, which is a discussion of the application’s key points and why we believe the loan should be approved. This is an important document which presents your application in the best possible light. As the lender does not have the opportunity to meet you, this gives your application the best chance of being approved. Prepare and lodge an application on your behalf
  • Order an upfront valuation (where possible) to ensure the best possible turn-around times
  • Provide you with the lender’s estimate on how long it will take them to process your application
  • Keep you informed as your application progresses


Once the lender has approved your loan, they will produce your formal loan documents. We can assist you in signing the loan documents, however, in some cases it is important that you also review the documents with your solicitor. After you sign the documents and return them to the bank, settlement of the loan will take place shortly after.


This is only the beginning of our relationship. It is critical that you understand how to get the most out of your home loan as it is an important part of your life. We are always available for you to call whenever there is a change in your circumstances and you may need to adjust your loan structure. Even if you have a fairly basic question about your mortgage we are happy to discuss it with you.

Refer Your Family & Friends

If you have found value in our service, the highest compliment you could pay us is a referral to your friends and family. If you know anyone who could benefit from talking with us, please let us know.

Loans We Specialise In

Finance Ferret mortgage brokers are specialists in the following types of residential home loans.

Family Guarantee Loans

For those who have a small deposit or no deposit, family guarantor loans can help by allowing immediate family members to guarantee all or part of your loan using the equity in property that they already own. This can also help to avoid Lenders Mortgage Insurance (LMI) costs.

Specialist Loans Lending

Specialist loans are designed for borrowers with some sort of credit impairment. While lenders are willing to overlook prior credit problems, they will still want to see evidence of your ability to repay the loan. These loans generally attract a higher interest rate than prime loans.

Construction Loans

Construction loans are usually short-term finance used when building of a new home or undertaking structural renovations. With this type of loan, lenders will make progress payments to the builder at regular intervals. Typically borrowers will make interest only payments on those funds which have been dispersed, with the loan converting to a standard variable loan once the construction is complete.

Debt Consolidation Loans

A debt consolidation loan can allow you to combine existing debts such as credit cards, store cards, personal loans and car loans into one loan, secured against your property. As these existing debts generally attract a much higher interest rate, consolidating them into a home loan generally results in one easy to manage lower repayment.

Bridging Loans

A Bridging Loan allows you to cover the financial gap when purchasing or building a property before the existing one is sold. This type of loan saves the borrower from having to live in a rental property and move twice in a short period. Lenders will require security over both properties and because of the short term nature, bridging finance can be more expensive than other types of loans. Usually borrowers have up to 12 months to sell the existing property.

Equity Release Loans

An equity release home loan can be used to unlock the equity currently tied up in your home for such things as non-structural renovations, holidays, motor vehicles and other purposes as required.

Lines Of Credit

An Equity Line of Credit involves a lender approving a credit limit secured against your property. When you need cash, you draw against that limit. Much like a “large credit card”, when you repay the loan the money becomes available to you again.

Property Share Loans

Property Share is a home loan option which allows friends to purchase a property together, but keep their finances separate. It can help both first time buyers and investors get into the property market sooner.

Reverse Mortgages

A reverse mortgage allows seniors to access equity in their home, without needing to sell their property. Such loans are often used to fund one-off expenses such as home improvements, to supplement the aged pension with a regular cash payment, or to establish an approved limit which can be drawn down on as required. Unlike a traditional home loan, reverse mortgages do not require any repayments to be made until the end of the loan term.

Non-Resident Loans

Many lenders have specific policies for lending to non-residents, such as expats and new migrants. These policies are generally more restrictive with shading applied to income and lower Loan to Value Ratios (LVRs) available.