Home Loans

Our brokers can source the most competitive and appropriate home loan for your needs.

Acceptance Finance has been ranked in the top 25 brokerages in Australia consistently for the last 10 years, and named the country’s top brokerage in 2019, we’re very proud of these awards and work hard to keep winning and getting mentions for a large amount of awards nationwide. 

Whether you are buying your first property, upsizing, downsizing, or buying an investment property, our team of experts brokers will help you find the right product.

Our Mortgage Brokers can provide home loans for:

First Home Buyers

Buying your first home can be daunting. Our brokers have helped 1,000’s of First Home Buyers get a home loan, and can provide guidance on government grants and schemes, how to buy at auction, genuine savings requirements, parental guarantees and more.


Ready to step into your next property? Our brokers are able to provide valuable insights on loan structures, sale and purchase costs, settlement timing, and obviously ensuring you obtain a home loan product that meets your needs.


If you think downsizing is a step backwards, think again. There are many reasons why downsizing has become a popular choice for homeowners, especially retirees. Our brokers will be able to help you manage this process with confidence and find the right home loan for your current and future needs.

Connect with one of our

Finance Brokers now.

Why use a Mortgage Broker to obtain a home loan?

We take the stress out of the financing process and give you the knowledge to make the decision process easy. We also partner with our clients for the long term to ensure they receive ongoing advice for each step in their financial journey. 

Our brokers are governed by Responsible Lending guidelines, and a Best Interests Duty to ensure your interests come first. These principle ensure that our brokers will be able to recommend home loan products to you that will serve you well, and are not influenced by lender relationships and commission structures.

We are able to conduct meetings in our office, online or possibly at your home or office. Most of our communication will be carried out over the phone and email, so you will never be left not knowing how your home loan application is tracking. 

With our large panel of lenders, we can ensure we recommend a competitive home loan product in your best interest, which will save you in the long run. Having access to multiple lenders, each with their own policies and assessment criteria, will ensure we can provide a greater width of home loan product options for our clients. It also allows us to manage possible valuation issues, which can impact loan to valuation (LVR) requirements and the ability to complete a property purchase.


Our Home Loan lender panel

ME Bank


Meet our Home Loan experts

Albert Kavcic

Albert Kavcic

Finance Broker
John Empey

John Empey

Finance Broker
Matt Mannaert

Matt Mannaert

Finance Broker
Matthew Papuga

Matthew Papuga

Finance Broker
Minji Kim Korean Mortgage Broker

Minji Kim

Finance Broker
Richie Kasai

Richie Kasai

Finance Broker
Russel Shaw

Russel Shaw

Finance Broker
Sally Whitworth

Sally Whitworth

Finance Broker

How to apply for a Home Loan

Step 1
Connect with us
Contact one of the brokers listed to book an appointment. Appointments can be completed over the phone, over email, via an online video call, or in our offices.
Step 2
Initial Discussion
We'll chat through your current situation and objectives. Our broker will gather the information required to be able to recommend the correct structure and home loan product(s) for your situation.
Step 3
If appropriate our broker will recommend the home loan products for you to consider. The proposal will include lender details, interest rates, set up fees and any ongoing fees. Your broker will then guide you through each recommended option to help you decide on your preferred path forward.
Step 4
If you decide to proceed, our broker will help with the paperwork to submit your home loan application to the chosen lender.
Step 5
The bank will instruct an independent valuation firm to value the security property.
Step 6
If the lender is satisfied with your home loan application, they will approve it and instruct their solicitor to prepare the loan offer documents.
Step 7
Loan Offer Documents
Loan documents will be sent to you to review and sign. We can guide you through this process.
Step 8
Once the loan offer documents are returned, the lender can proceed to settlement.
Step 9
Ongoing care
Your Acceptance Finance broker will guide you through this complete process, and be available to help with any queries you may have in the future.

Need to connect

with a broker?