QLoans.au official logo representing Australian mortgage broker services
  • LoansLoans & Finance Solutions. Explore home loans, investment loans, commercial lending, development finance, and business loans tailored for Australian borrowers. Compare 88+ lenders and find the right finance option with expert guidance.
    • First Home BuyerSpecial first‑home buyer loan packages that integrate the First Home Owner Grant — ideal for eligible first‑home buyers seeking to leverage FHOG support for a new build or off‑the‑plan purchase, with lower deposit requirements and reduced buying costs.
    • RefinanceCombine and simplify your debts — refinance your mortgage to consolidate credit cards, personal loans, car loans or other debts into one home loan with lower interest, single repayments and improved cash flow. Ideal for homeowners, investors and business owners seeking streamlined loan management across Australia.
    • Investment LoanTailored investment home loans for new and experienced investors — compare lenders, maximise borrowing capacity, structure your loan for growth, and finance your next residential or commercial investment with expert support.
    • Car LoanCommercial vehicle finance for cars, utes, vans or trucks — flexible loan and asset-finance solutions tailored for small businesses, trades, contractors and self-employed professionals across Australia.
    • Bridging LoanShort‑term bridging finance to help you buy a new property before selling your current home — ideal for homeowners, investors or developers who need flexibility buying now and selling later. Offers interest‑only repayments, combined loan flexibility and time to sell your existing property without rushing.
    • SMSF LoanSpecialised Self‑Managed Super Fund (SMSF) loan solutions to help investors and business owners purchase residential or commercial investment property within their SMSF — structured via Limited Recourse Borrowing Arrangements (LRBAs), protecting other fund assets while enabling property investment for retirement.
    • Reverse MortgageUnlock your home equity to access cash flow — tailored for Australians aged 60+ or retirees, offering lump‑sum, line‑of‑credit or regular income options while allowing you to stay in your home for life. A convenient solution for retirement planning, covering aged care costs, home improvements, living expenses or travel, with no monthly repayments required until the home is sold or vacated.
    • Deposit BondDeposit bond home loans Australia — secure a property without a cash deposit. Use a deposit bond to guarantee the deposit amount and complete your purchase with flexible financing and minimal upfront cash.
    • All LoansLoans & Finance Solutions. Explore home loans, investment loans, commercial lending, development finance, and business loans tailored for Australian borrowers. Compare 88+ lenders and find the right finance option with expert guidance.
    • CalculatorsAccess expert mortgage calculators for home loans, refinancing, and borrowing power to make informed property finance decisions in Australia.
      • Borrowing CapacityFree borrowing power calculator Australia. Quickly estimate how much you can borrow for a home, investment or refinance based on your income, expenses and debts.
      • Home Loan RepaymentInstantly estimate your home loan repayments based on loan amount, interest rate, term and repayment frequency — a quick tool for borrowers, first-home buyers, investors or refinancers to plan their budget before committing.
      • Refinance SavingsRefinance repayment calculator Australia. See how much you could save and what your payments might be if you refinance your home loan.
      • Income TaxIncome tax calculator Australia. Get a fast estimate of your tax obligations to help plan loan repayments, cash flow or property investing.
      • Stamp DutyStamp duty calculator Australia. Estimate your state stamp duty — including first‑home buyer discounts — to budget total property purchase costs.
      • Grants by StateGovernment grants & eligibility checker Australia. Discover which first‑home buyer incentives, stamp‑duty concessions or grants you qualify for.
      • All CalculatorsAccess expert mortgage calculators for home loans, refinancing, and borrowing power to make informed property finance decisions in Australia.
      • PromosDiscover current deals, finance offers and special-rate promotions on home loans, refinancing, commercial and asset finance — ideal for first-home buyers, property investors, business owners and developers looking for discounted rates or limited-time finance packages.
        • PromotionsBrowse top Australian loan deals and rate discounts. Plus, join our live events to network with property enthusiasts and experts on the latest in property investment.
        • CollaborationsCollaborate with QLoans.au for both personal and professional referral opportunities. Whether you’re a family member or friend sharing the love, or a property developer, accountant, or solicitor seeking strategic finance support, we’ve built a collaborative ecosystem that rewards every connection.
        • Document ChecklistA complete checklist of required loan application documents — income proofs, IDs, assets, liabilities and property paperwork — designed to help first-home buyers, investors, self-employed borrowers and business owners streamline their application process and improve approval chances.
        • ResourcesExplore expert guides, mortgage insights, and comprehensive finance resources — from first‑home buyer tips and investment strategies to refinancing checklists and lending guides — to help you confidently navigate home loans, property investment, and finance options in Australia.
        Use QLoans.au’s loan assessment service to get a clear picture of what you can borrow — assessed against your income, expenses, debts and lifestyle. We compare multiple lenders to find the best fit, help you understand serviceability requirements, and guide you through the whole process — obligation‑free, secure and confidential. Feel free to have a chat with us anytime too.

        LOANS

        • Business LoanBusiness loans in Australia to fund growth, equipment, or working capital. Compare competitive rates, terms, and eligibility with expert guidance.
        • Construction LoanConstruction home loans in Australia for building or renovating. Flexible progress payments, competitive rates, and expert financing advice.
        • Equity LoanEquity loans in Australia to unlock your property’s value. Use funds for renovations, investment, or debt consolidation with competitive terms.
        • Essential Worker LoanHome loans for Australian essential workers. Access competitive rates, tailored terms, and eligibility support for frontline professionals.
        • Expat LoanExpat home loans in Australia for overseas residents. Secure financing with flexible terms, competitive rates, and eligibility guidance.
        • Guarantor LoanGuarantor home loans in Australia let a family member help you buy with minimal deposit. Compare rates, terms, and eligibility easily.
        • Low Credit Score LoanHome loans in Australia for low credit scores. Find options with competitive rates, flexible terms, and expert eligibility support.
        • Low Deposit LoanLow deposit home loans in Australia for first-time buyers and investors. Secure finance with minimal upfront deposit and competitive rates.
        • Low Doc LoanLow-doc home loans in Australia for borrowers with limited paperwork. Flexible terms, competitive rates, and eligibility support available.
        • TVH LoanNon-resident home loans in Australia for overseas buyers. Compare rates, eligibility, and flexible financing solutions for property investment.
        • Off The Plan PurchaseOff-the-plan home loans in Australia. Finance property before it’s built with competitive rates, flexible deposits, and expert guidance.
        • Over 55 LoanHome loans for borrowers over 55 in Australia. Tailored mortgage options for mature buyers or retirees, offering flexible terms, competitive rates and age‑appropriate eligibility.
        • Property Development PlanProperty development loans Australia — finance builds or renovations with flexible payment plans, competitive interest and tailored funding for developers.
        • Self Employed LoanSelf-employed home loans Australia — flexible paperwork and mortgage solutions for freelancers, contractors and business owners seeking property finance.
        • Vacant Land LoanVacant land loans Australia — secure financing to purchase land for future building or investment, with competitive rates and flexible LVR options.

        CALCULATORS

        • BudgetingBudget calculator Australia — track income, expenses and living costs to assess your borrowing capacity and build a realistic home‑loan budget.
        • Car Loan RepaymentCar loan repayment calculator Australia — estimate monthly repayments, interest and total cost to plan your auto loan before you apply.
        • Personal Loan RepaymentPersonal loan repayment calculator Australia — estimate your monthly repayments, total interest and loan cost to plan your personal or debt‑consolidation loan.
        • Return on InvestmentReturn on investment calculator Australia — estimate potential returns on property or other investments to help you assess yields, cash flow and growth before purchase.

        PREAPPROVALS

        • All LoansHome loan assessment tools Australia. Compare rates and estimate borrowing power, repayments, and eligibility to see if you qualify before applying for finance.
        • Asset FinanceCompare rates and estimate repayments and borrowing capacity for asset purchases or business equipment finance.
        • Home LoanFree Australian home loan calculators. Compare rates and estimate repayments, borrowing power, interest and costs to plan your mortgage and compare loan options.
        • Personal LoanCompare rates and quickly estimate repayments, interest and total cost to plan your personal loan or debt consolidation.
        • Vehicle LoanCompare rates and estimate repayments, interest and total cost to plan your car, ute or truck finance before you apply.

        GUIDES

        • Why Use a BrokerWhy use a mortgage broker — download our free eBook to discover the benefits of using an Australian broker, how to get better home‑loan deals, and expert loan guidance.
        • Buying Off The PlanOff‑the‑plan buying guide Australia — download our free guide to understand deposits, contracts, financing options and timelines when purchasing a pre‑construction property.
        • Buying Your First HomeFirst home buyer guide Australia — download your free guide to understand home‑loan options, saving for a deposit, stamp‑duty exemptions and buying your first property with confidence.
        • Home Loan ApplicationHome loan application guide Australia — download your free guide for a step‑by‑step process covering required documents, loan eligibility and how to submit a successful mortgage application.
        • RefinancingRefinancing guide Australia — download our free guide to learn when to refinance, how to reduce interest rates and fees, and strategies to optimise your home loan.
        • Loan FeaturesHome‑loan features guide Australia — download our free guide to understand interest rates, loan types, fees and mortgage structures before you borrow.
        • Financing Property InvestmentProperty investment finance guide Australia — download your free eBook with expert tips on investment loans, rental yield, tax strategies and financing success.
        • Interest Rate RiseInterest rate rise guide Australia — download your free eBook to learn how rising home loan rates affect repayments, borrowing capacity and refinancing strategies.
        • Capital Gain TaxCapital Gains Tax (CGT) Australia — calculate CGT on property or investment sales, learn exemptions, rates, and how it affects your mortgage or refinancing.
        • Business Finance“Business finance guide Australia — download your free eBook on securing business loans, equipment finance, cash‑flow strategies and smart funding decisions.”

        FHOG

        • AUSFirst Home Owner Grants Australia
        • QLDFirst Home Owner Grants Queensland Brisbane
        • NSWFirst Home Owner Grants New South Wales Sydney
        • VICFirst Home Owner Grants Victoria Melbourne
        • SAFirst Home Owner Grants South Australia Adelaide
        • WAFirst Home Owner Grants Western Australia Perth
        • ACTFirst Home Owner Grants Australian Capital Territory Canberra
        • NTFirst Home Owner Grants Northern Territory Darwin
        • TASFirst Home Owner Grants Tasmania
        QLoans.au mortgage and loan services including residential, commercial, and asset finance — QLoans.au

        Privacy Policy

        Complaints Procedure

        T&Cs

        CRN 557242

        ACL 377294

        ABN 13 675 793 478

        1

        +61 426 224 229