Home loans for property investors.

The first step is understanding your financial position. We’ll help you assess your income, expenses, and deposit amount—so you know exactly how much you can borrow comfortably.

Book an appointment to find out your borrowing power.

While a 20% deposit was once the standard, it’s no longer the only path to homeownership. Depending on your situation, you may be able to get started with as little as 5–10% deposit.

There are also government incentives and first-home buyer schemes that can help reduce upfront costs—and in some cases, even eliminate stamp duty.

If you don’t meet the full deposit requirement, options like low-deposit loans or guarantor loans may be available. These allow a family member to use their property as security, helping you cover the gap and even borrowing extra to cover costs like legal fees and stamp duty.

Book an appointment to explore the options available and find out what’s possible for your situation.

Home loan pre-approval is a conditional indication from a lender of how much you may be able to borrow, based on your current financial position. It typically involves providing documents such as ID, proof of income, employment details, and a credit check.

Getting pre-approved gives you a clear idea of your borrowing power, so you can shop with confidence. It also shows sellers you're a serious buyer—giving you an advantage in a competitive market.

Book a free appointment to get started with your pre-approval today.

Choosing the right home loan depends on your financial position, goals, and what matters most to you—whether it’s flexibility, low repayments, or future planning.

At Wizely, we take the time to understand your needs, compare options across lenders, and guide you toward the loan that fits best.

Book an appointment for personalised advice and expert support.

Before diving into features like fixed or variable rates, offset accounts, or redraw facilities, it’s important to understand the different types of home loans available—each designed to suit different needs and circumstances. Some common options include:

• First home buyer loans

• Refinancing loans

• Home loans for professionals (e.g. doctors, lawyers)

• Self-employed home loans

• Construction or renovation loans

• Investment property loans

• SMSF loans

• Trust and company loans

• Expat and non-resident loans

• Home equity loans

• Bridging loans

• Guarantor-supported loans

• Low deposit home loans

There’s no one-size-fits-all. Book an appointment to find the right solution with expert guidance.

Loan approval today involves more than just income and deposit size—lenders take a close look at your overall financial behaviour, including credit history, liabilities, bank activity, and even day-to-day expenses.

If you're preparing to apply for a home loan, especially as a first-home buyer, here are some practical steps to help strengthen your application:

• Keep up-to-date with rent, bills, credit card payments, and any tax obligations

• Minimise credit enquiries (including multiple credit card or Zip Pay, AfterPay applications)

• Pay off or reduce credit card debt and consider lowering your credit limits

• Stay on top of any defaults and maintain clear communication with creditors

• Build up a consistent savings history to demonstrate financial discipline

• Review your credit report regularly and correct any errors early—MoneySmart can help guide you through that process

Want tailored tips based on your situation? Book an appointment to find out how to boost your home loan readiness.

At Wizely, we keep things simple and transparent—while using our expertise and lender network to help you access great rates and the right loan for your needs.

Here’s how it works:

1. Book a appointment– We’ll take the time to understand your goals and guide you through your options.

2. Share your details – Fill out a quick form and upload your documents so we can assess your position.

3. We do the legwork – We calculate your borrowing power, compare lenders, and talk through tailored solutions.

4. Apply with confidence – Once you’re ready, we manage the application, guide you through to approval, and help set up your new loan—hassle-free.

Book your free appointment to get started—we’ll handle the heavy lifting, so you can focus on the big move.

When purchasing a home, there are a few standard costs to factor in—such as loan application fees, property valuation charges, legal and conveyancing fees, and settlement costs.

The good news? Our service is free to you—we’re paid by the lender, so you won’t pay us a cent. 😊

To get a clear breakdown of the total costs for your loan fee, Book an appointment.

It’s easy! Simply book a free appointment and speak with us. We’ll walk you through your options and help you take the first step with confidence.