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Absolut Financial

Home Loans

At Absolut, we thrive on making your homeowning dreams a reality. Let our home loans and mortgage experts guide you through the complex process to get a home loan that’s right for you.

Get free mortgage and financial advice

Chat with one of our trusted financial advisers today to assess your personal requirements and get the best financial advice.

Features of a Home Loan

Loan Amount

We’ll unpack how much you can borrow.

Repayment Terms

You have various repayment options. We’ll explore what’s right for you.

Interest Rates

Fixed or variable? We’ll explain how interest rates affect the cost of your home loan.

Deposit

This is your initial payment and can affect other elements of your home loan.

Loan Term

The home loan length, usually 15, 20, or 30 years.

Closing Costs

You’ll incur various closing fees in the home-buying process.

Guiding You Through The Home Loan Process

What is the purpose of a home loan?
Whether you’re looking to get on the property ladder, move to a new area, or acquire more property, the home loan application process can be intimidating.

If you don’t have the funds to buy a property outright, a home loan allows you to become a homeowner by spreading the cost of the home over an extended period. You can manage affordable monthly payments and build equity in your home over time. You can also use a home loan to refinance an existing mortgage to lower the interest rate or access the home’s equity.

Whatever your aim, a home loan is often a life-changing undertaking. So, having somebody on your side is essential throughout the process.

Demystifying home loans for you
There are a lot of educational resources and advice columns out there about home loans, but we know you have limited time and resources to pick through all the latest advice and separate the wheat from the chaff.

That’s where expert professionals at Absolut come in.

We will demystify home loans for you as we talk you through the complete process, explaining the different courses of action for you and our reasoning for recommendations at every step. Thanks to this ongoing discussion, you’ll be able to make well-informed decisions about whether a home loan is right for you.

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Getting A Home Loan Is Always A Big Deal

A holistic service
Whether a first-time buyer or buying a second home, getting a home loan is always a significant undertaking, so you want to get it right.

That’s why we’ve built our reputation as a trusted brand offering a holistic service. Our mortgage professionals and buyer’s agents can take you through finding a property, exploring home loan options, processing your application, to finally signing on the dotted line and purchasing a new home or property.

We’re along for the ride the whole way and consider ourselves partners in your homeowning adventure. It’s this end-to-end service that truly sets us apart.

Extensive experience
We’ve had our finger on the pulse of the home loans and property markets since 2016, sniffing out the best home loan providers and providing tailor-made services to thousands of satisfied clients.

Our dedicated brokers get out of bed in the morning hoping to make their client’s homeowning dreams a reality, and they’ve gotten pretty good at it these past 8 years! They know each client is different and needs a personalised structured home loan package.

Let us leverage our extensive industry experience to help you navigate the complex home loan market.

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Get your home loan approved with the help of the dedicated professionals at Absolut.

Let us take you through the complex home loan process to help you land a perfect home loan for your circumstances.
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Why Absolut?

Why should you trust us with your home loan application?

Holistic Service

From brokers to buyer’s agents, we can offer an end-to-end service.

Industry Knowledge

Our brokers know their stuff, having worked on the other side!

Approval Rates

98% loan approval rate.

Transparency

You’re never left in the dark as we demystify every step of the home loan process for you.

Home Loan Expertise

We have years of experience putting together all types of home loan applications for clients from various backgrounds.

Award-winning

Consistently recognised in the annual Australian brokerage awards for our fantastic service.
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Testimonials

Here's what our clients have to say about their experience with Absolut Financial

Awesome stuff

Kristian and the team at Absolut Financial were fantastic in helping us get our finance for our property. We were knocked back at the last minute by a bank and Kristian was able to secure a lender, with excellent rates and had approval within 2 weeks! Highly recommend Absolut Financial.

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Lindsay Stewart

Professionalism, Responsiveness

Kristian did my Finance here for my first home. He held my hand through the whole process and made everything seem easy! I felt as though he gave be a better rate with the best customer service then other brokers I first had dealings with. Highly recommend Absolut Financial!

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Jason Barbara

Professionalism

Absolut team are well structured and has multiple staff members who assist in financial planning, Investing & property advice. My experience with Kristian was excellent. He went over and above with refinancing my loan with lowest interest rate. Couldn’t be more satisfied with the outcome.

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Adrian

Quality, Value

I'd like to thank Sabby Bhatia who has been involved in the process of getting me into my new home. This has been a seamless, pleasant and positive experience which I attribute to him. I truly appreciate all of the work put in by him in making this happen for me!

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Talwinder Singh Dhaliwal

Any Questions About Home Loans?

What is the minimum deposit required for a home loan?
The minimum deposit required for a home loan can vary depending on the type of loan and the lender. However, in Australia, most lenders require a minimum deposit of 5% to 10% of the property’s value. The government also offers a First Home Loan Deposit Scheme that allows eligible borrowers to purchase a home with a deposit as low as 5%. We can explore your options when it comes to determining the % you should pay given your circumstances.
What documents are required to apply for a home loan?
You typically need to provide proof of income, such as recent pay slips or tax returns, proof of identity, such as a passport or driver’s license, and evidence of savings, such as bank statements or a savings account history. We’ll go through this with you and share advice on what to collate.
How do lenders determine home loan interest rates?
Your credit score, the loan amount and term, and the lender’s assessment of your ability to repay the loan will all affect the lender’s interest rates for your home loan. Besides looking at you, the general economy and market rates will also affect the interest rate offered.
What is the difference between a fixed-rate and a variable-rate home loan?
A fixed-rate home loan has an interest rate that remains the same for a set period, usually between one and five years. This means your repayments stay the same for the fixed period, regardless of changes to interest rates. On the other hand, a variable-rate home loan has an interest rate that can change at any time, usually in response to changes in the Reserve Bank’s official cash rate or market conditions.
What is the pre-approval process for a home loan?
To get pre-approved for a home loan in Australia, you need to provide information about your income, employment, and financial history to a lender. This will determine your ability to repay the loan. The lender then provides a pre-approval letter stating the amount you are eligible to borrow for a home loan. You can use this letter to make an offer on a property, subject to final approval by the lender. At Absolut, we can help you with this early stage of the home loan process.