REsidential

Home Loans

Buying a home is one of the biggest financial decisions many Australians will make, and having the right lending support can make the experience feel far less overwhelming. At Home & Commercial Finance, we help individuals, couples, families, and investors navigate the home loan process with guidance tailored to their goals, lifestyle, and future plans.

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10+ years

Experience across the services 

40+ Lenders

Access to a wide range of lenders

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expert brokers

 experienced finance professionals

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trusted advice

Clear, honest and reliable support

our residential home loan solutions

loan designed around your life style

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First Home Buyer Loans

Buying your first home can feel exciting and challenging at the same time. From understanding borrowing capacity to navigating deposits, lender requirements, and upfront costs, we help first home buyers feel more informed throughout the process. Our team aims to make the experience easier to manage so you can focus on moving toward home ownership with confidence.

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Investment Property Loans

Property investment can create opportunities for long-term financial growth when supported by the right lending strategy. We assist investors looking to purchase residential investment properties, review existing lending structures, or expand their portfolios with finance solutions aligned to their investment plans.

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Low-Deposit Home Loans

Saving for a large deposit is not always achievable for every borrower. We help eligible clients explore lending options that may support property purchases with a smaller upfront contribution. Our role is to explain the available pathways clearly while helping you understand the lending process and financial considerations involved.

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Home construction loans

Building a home or renovating an existing property often requires a more flexible finance structure. We assist clients in understanding construction lending, staged payments, budgeting requirements, and loan management throughout the building process. Whether you are building your dream home or improving your current property, we help make the process more manageable.

why choose

home & commercial finance?

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Flexible Lending Solutions

We work with a range of lenders to help find finance options tailored to your needs.

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Personalised Support

Every client’s financial situation is different, and we take the time to understand your goals.

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Simple & Clear Process

We help make the finance process easier to understand from start to finish.

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NSW-Wide Service

Supporting clients across Sydney, NSW, and Australia-wide.

our simple home loan process

a smooth experience from start to finish

01

Initial Consultation

We discuss your goals, borrowing needs, and financial situation.

02

Loan Assessment

We compare suitable lending options from our panel of lenders.

03

Application Support

We assist with paperwork, documentation, and loan submission.

04

Approval & Settlement

We guide you through approval and settlement to help ensure a smooth experience.

who we help

finance solution for every stage of life

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First home buyers

Helping You take the first step with confidence

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Self employed

Solutions for the self-employed and business owners

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property investor

Loans to help grow and diversify your portlofio

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growing families

finance to support lifestyle and future

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homeowners refinancing

helping you find better rate and loan flexibility

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Tailored loans for building, renovations & upgrades

PLAN SMART. BORROW CONFIDENTLY.

Try Our Helpful Calculators

Use our easy-to-use calculators to estimate your borrowing power, repayments, and property costs before making your next financial decision.
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Borrowing Capacity Calculator

Find out how much you may be able to borrow based on your income, expenses, and financial situation.

  • Quick estimate in minutes
  • Compare different scenarios
  • Tailored to your situation
Calculate Now →
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Loan Repayment Calculator

Estimate your monthly repayments and see how interest rates may affect your loan.

  • See monthly repayments
  • Adjust rates and loan terms
  • Plan your budget clearly
Calculate Now →
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Stamp Duty Calculator

Calculate estimated stamp duty costs for properties across NSW.

  • NSW duty calculation
  • First home buyer guidance
  • Plan upfront costs
Calculate Now →

Ready to Explore Your Home Loan Options?

Speak with our team today and tailor your goals with us.