Home loans, done properly.

First home, next home, investment or a better rate on the one you have. We compare our lender panel, structure the loan around your plans and handle everything to settlement.

50+ lenders comparedNo brokerage fees on most loansAustralian Credit Representative 537767

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Couple holding the keys on the verandah of their new home

The keys are the moment. The plan is what gets you there.

Most buyers only compare rates. We look at your deposit, the loan structure, each lender’s policy and your timing, so the day you pick up the keys feels the way it should.

  • Pre-approval you can make offers with
  • Every scheme and grant you may qualify for, checked
  • Settlement managed from start to finish

Every kind of home loan

Whatever stage you're at, we'll find the lender whose policy fits your situation, not just the lowest headline rate.

First home buyers

Low-deposit options, government schemes and grants you may be eligible for, and a clear plan from pre-approval to keys.

5% deposit optionsPre-approvalSchemes and grants

First home buyer loans

Refinancing

Move to a sharper rate, consolidate debts or release equity for renovations or your next purchase. We compare and manage the switch.

Lower rateDebt consolidationEquity release

Refinancing

Upgrading or downsizing

Bridging finance and loan structures that let you buy the next place before you sell the current one.

Bridging loansNext home

Bridging loans

Investment loans

Interest-only or principal and interest, structured around your portfolio and how you want to grow it.

Interest onlyOffset accountsPortfolio lending

Investment loans

Construction and land

Progress-payment loans for new builds, knockdown rebuilds and land purchases.

Progress paymentsKnockdown rebuild

Construction loans

Buying with friends or family

Co-ownership is where Propple started. We structure group loans so every owner's share and obligations are clear.

Co-borrowersShared deposits

How co-buying works

Self-employed and low doc

Lenders that assess BAS, business statements or accountant letters when full financials don't tell the whole story.

Alt-docABN holders

How it works

One broker from first conversation to settlement day, and a rate review every year after.

  1. Tell us your goals

    A free 20-minute call about your income, deposit, timing and the kind of property you want.

  2. We compare lenders

    We shortlist loans across our panel and show you the trade-offs in plain English.

  3. We do the paperwork

    We prepare and lodge your application and chase the lender so you don't have to.

  4. Settle and review

    We see you through to settlement, then check your rate each year to keep it competitive.

Why Australians choose Propple

A broker works for you, not the bank. Here's what that means with us.

Talk to a broker

50+ lenders on our panel

Major banks, regionals and specialist lenders, so you see options a single bank can't offer.

No brokerage fees on most loans

We're paid by the lender when your loan settles. Our support is included.

One dedicated broker

The same person from your first call to settlement, who knows your file.

Rate reviews after settlement

We keep watching the market and tell you when it's worth refinancing.

One broker for the whole picture.

The home, the car, the investment property, the business. Same team, same lender panel, one conversation.

Common questions

How much deposit do I need?

Many lenders want 20% to avoid lenders mortgage insurance, but loans with 5–10% deposits are available, and government schemes may let eligible first home buyers buy with 5% and no LMI.

What does a mortgage broker cost?

For most home loans, nothing. The lender pays us a commission when your loan settles. If a fee ever applies to your situation, we'll tell you upfront before you proceed.

How long does pre-approval take?

Often a few business days once we have your documents, though it varies by lender and how complex your situation is.

Can you help if I'm self-employed?

Yes. Some lenders assess recent BAS statements, business bank statements or an accountant's letter instead of two years of full tax returns.

Find out what you can borrow

A free, no-pressure call with a Propple broker. You'll leave with a borrowing estimate and a clear next step.

Book a free call

Ready to Add a New Revenue Stream to Your Business?

Become a propple Partner Today

Name
Propple Pty Ltd
AFCA Number
87648
AFSL Number
384704
Credit Rep Number
537767
ABN
39652025646