What does Property Finance Help actually do?

We're a free service that helps Australians explore their property finance options and connect with the right broker or lender for their situation. We don't lend money and we don't write loans ourselves. We point you to the people who do.

Is the service really free?

Yes. Free for you. We're paid a referral fee by the broker or lender we connect you with, but only if you proceed and a loan eventually settles. You get the same help whether you go ahead or not.

Do you give financial advice?

No. Property Finance Help doesn't recommend specific loans or assess what you can afford. That's the role of a licensed credit provider or broker. We help you understand your options and connect you with the right person to give that advice.

Who do you work with?

A network of brokers and lenders across Australia, including major banks, non-bank lenders, specialist commercial and SMSF lenders, and private lenders for specific situations. The match depends on what you're looking for.

How do I know which type of property finance I need?

Start with the situation, not the loan name. Use the pathways above, or fill in the contact form describing what you're trying to do and we'll point you to the right place.

Property Finance Help Australia

Whether you're buying your first place, refinancing a loan that's costing you too much, building from scratch, or trying to work out how SMSF lending actually works, you're in the right spot.

We help Australians cut through the noise on property finance and connect with the right broker or lender when they're ready to move.

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How It Works How It Works

Explore: Home Loans Commercial Construction SMSF Refinancing Low Doc

100% free to use. No cost to you, ever.

No lock-in. You're in control from start to finish.

Where do you fit?

Pick the one closest to your situation. Not sure? Scroll down or get in touch.

Home Loans

First home, next home, investment property. Fixed, variable, low doc, guarantor and bridging options.

Explore home loansExplore home loans

Construction Loans

Building a new home, renovating, knock-down rebuild, house and land, owner builder, or development finance.

Explore constructionExplore construction

Commercial Loans

Offices, retail, industrial, medical, childcare and hospitality property. Standard and low doc options.

Explore commercialExplore commercial

Refinancing

Lower your rate, reduce repayments, refinance an investment property, borrow against a property you own outright, or consolidate debt into your home loan. Covers home, investment, commercial and SMSF loans.

Explore refinancingExplore refinancing

Questions people actually ask

Property finance statistics 2026: $97.6 billion of new loans a quarter, brokers at 81.6%, arrears at 1.01%. The official numbers, sourced and dated.

01How much deposit do I need for a home loan in Australia?

02Can I get a property loan if I'm self-employed?

03How does buying property through an SMSF work?

04When does it make sense to refinance?

05What deposit do I need for a commercial property?

Start with your situation, not the loan name

The loan product matters, but your starting point should be what you're actually trying to do.

Buying a place to live?

Home loans cover first home buyers, upgraders, investors, fixed and variable rates, guarantor loans and low deposit options. If you qualify for a government scheme, your deposit could be as low as 2-5%.

Buying for the business?

Commercial lending covers offices, retail, industrial, warehouses, medical suites, childcare centres and hospitality assets. Most lenders offer 65-75% LVR on standard commercial property.

Building, not buying?

Construction finance works differently. Funds are released in 5-6 staged payments as each building milestone completes. Options include residential builds, owner builder loans, house and land packages, knock-down rebuilds and development finance.

Using your super fund?

SMSF property loans use a Limited Recourse Borrowing Arrangement (LRBA) and require a corporate trustee, a bare trust, and an SMSF-specialist lender. Since 10 August 2026, new SMSF loans are limited to business real property, where LVRs typically cap at 65-75%. The 70-80% residential range now only applies to refinancing an existing SMSF residential loan.

Already have a loan that's not working?

Refinancing can mean a lower rate, lower repayments, access to equity, or consolidating multiple debts into one loan. Most refinances complete in 2-6 weeks.

Self-employed?

Low doc lending accepts BAS statements, accountant declarations or business bank statements instead of full tax returns. Available across home, commercial and construction loans, typically with deposits starting at 20-30%.

Four things worth checking before you sign anything

Loan structure

Principal and interest or interest only? Fixed or variable? Offset or redraw? Single loan or split? The right structure depends on whether you're paying down the loan fast, managing cash flow, or balancing an investment strategy. Get this wrong and you'll either overpay or lose flexibility.

Lender fit

The big four banks aren't always the best option. Non-bank lenders, specialist lenders and private lenders each cover different situations. Self-employed borrowers, complex income, fast settlement, credit history issues, SMSF purchases. A broker who works across the full market can show you what's actually available.

Costs

The headline rate is only part of the picture. Look at the comparison rate, application fees, ongoing fees, break costs on fixed loans, discharge fees if you're refinancing, and Lenders Mortgage Insurance (LMI) if your deposit is under 20%. On a $600,000 loan, these extras can add up to thousands.

Service approach

For larger or more complex deals like commercial, SMSF or development finance, specialist brokers and lenders consistently deliver better outcomes than generalists. For a straightforward home loan, turnaround time and communication often matter more than panel size.

How Property Finance Help works

Step 01

Tell us what you're looking at

Use the form. Takes two minutes. We don't need income details or bank statements at this stage, just enough to understand your situation.
Step 02

We point you in the right direction

That might be a guide on this site, a specific calculator, or a broker or lender who specialises in exactly what you need. It depends on where you're at.
Step 03

The broker or lender does the real work

They handle the formal assessment, compare options across their lender panel, and walk you through loan structures and rates. That's their job, and they're licensed for it.
Step 04

You stay in control

There's no lock-in. No commitment from talking to us. If the match isn't right, say so and we'll point you somewhere else.

Get help with your situation

Finance specialist at Property Finance Help

Not sure where you fit? Describe what you're looking at and we'll point you in the right direction. No commitment, no bank statements, no awkward sales calls.

Tell us about your situation

Share a few details and we'll point you to the right next step.

Tell us what you need and we'll match you with a finance specialist and email you their introduction. Reply to it and they'll contact you. Free, no obligation.

Full name

Email address

Phone number

Postcode

State

What is the finance for?

Type of finance needed

Tell us about your situation

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We may receive a referral fee from the specialist we match you with. Your details stay with us until you reply to their introduction. Privacy.

Your enquiry is confidential.

Ready to get finance help?

Tell us your situation using the form above and we'll match you with a finance specialist and email you their introduction. Reply to it and they'll contact you.

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Property Finance Help Australia