Time to buy a new home?

Time to upsize, downsize or rightsize? We can help you arrange the funding for your next move.

We find home loan options
that work for you

Buying a house and negotiating home loans isn’t something you do every day. But we do – and that’s exactly what we can do for you.

Tell us what you want to achieve, and we’ll find the best source of funds for you. We’ll start with the banks, and if necessary pull in other lenders as well to make sure we can get you the money you need.

We complete your applications, negotiate hard with lenders, and make sure we secure the funds you need.

We can also help structure your lending if you want to keep your current home as an investment property, or if you need short-term bridging finance.

Why choose Luminate?

We’ve been securing property finance for our clients since 1998, and in that time we’ve sourced nearly $10 billion in loans.
We give you expert financial advice on your best lending options, and complete your applications on your behalf. We set out your case in a compelling way, with everything lenders need to make a fast decision. Then we negotiate hard on your behalf to get you a deal that could save you thousands in repayments. Call us today.

Customised loan options

Every application is unique. We will work closely with you to tailor a solution that unlocks your situation and gets you moving forward.

Experienced loan advisors

Our team of experienced loan advisors understand home loans and can help secure the best possible interest rates and terms for you.

Wide range of lenders

We have access to a vast network of bank and nonbank lenders. As a result, you get more loan options to choose from and increase your chances of getting approved.

Get the funding you need in four simple steps

Contact us

Get in touch with our team of experts by phone, email, or filling out our online form. We’ll ask you some questions to understand your unique situation and loan needs.

Application and assessment

We’ll let you know which documents we need to start your applications. We’ll look at your income, expenses, credit history and savings to work out how much you might be able to borrow.

Approval and terms

We’ll complete your applications and lodge them with our lenders. When they get back to us we’ll let you know the results, including interest rates and fees. You can ask us questions and make sure you understand the offers.

Settlement

We’ll get you documents to sign for your loan, and make sure the funds go through. The funds usually go to your solicitor’s trust fund, ready to transfer to the seller on settlement day.

Ready to purchase your home?

Take the next step and let our expert team guide you through every part of the process—from finding out how much you can borrow to choosing the right loan features.

© Copyright - Luminate Home Loans. All rights reserved. Made by 19Design