First Home Made Easy,
Guided by Finnex
Home Loan
Buying a home isn’t just a financial decision — it’s the start of a new chapter. Whether you’re a first home buyer, refinancing, or building your dream home, Finnex is the mortgage broker you can trust. We work with over 60 lenders across Australia, exploring countless loan options to find the perfect fit for your life, with faster loan approvals to get you moving sooner.
We handle the paperwork, negotiate with banks, and guide you every step of the way so you can focus on picturing your future, not stressing over the fine print. Our team of experts doesn’t just find loans; they help turn your homeownership dreams into reality.
First home buyers
Having Finnex by your side makes buying your first home a joyful journey. We simplify the process, secure faster approvals, and guide you every step of the way.
Refinancing
Unlock better rates and new possibilities with Finnex. We do the research, handle negotiations, and make refinancing seamless — so you save time and money.
Construction Loans
Building from the ground up? Finnex finds flexible construction loans with faster approvals, managing the complexities so you can focus on creating your dream home.
Making Homeownership Easier with Finnex
Finnex is more than just mortgage brokers — we’re your partners in turning homeownership dreams into reality. From saving for your deposit to finding the perfect loan, we take care of the hard stuff, so you can focus on what matters most: your future.
Saving Your Deposit
Planning your deposit is more than just saving money. We’ll guide you through what to save, how to maximize it, and help you plan for extra costs like stamp duty so you can build your deposit faster and smarter.
Saving You Time
Why juggle multiple lenders and endless paperwork? With Finnex, you submit your information once, and we handle the rest. We liaise with banks, negotiate better terms, and fast-track approvals to give you more time to live your life.
Finding You the Right Loan
A loan is more than an interest rate — it’s the foundation of your future. We explore countless options across 60+ lenders, crafting a financial structure that not only meets your current needs but also supports your long-term goals.
Living Your Best Life
Your home loan shouldn’t come at the cost of your lifestyle. Whether you’re buying your first home or planning for the future, we take the stress off your plate. You dream big, we make it happen, with ease and excitement.
Always by Your Side
Our support doesn’t end when your loan is approved. We’re here for the long haul — ready to help you refinance, invest, or build again. Whatever your next step is, Finnex is your trusted guide, every step of the way.
Book Your Free Loan Consultation
Finding the right loan can feel overwhelming, but with Finnex, you’re never alone. Our expert mortgage brokers guide you through every option, tailor solutions to your needs, and fast-track approvals with zero stress.
Explore Ways We Can Help
Your journey doesn’t end here. From future investments to business growth, we’re here to guide you through every financial milestone so that you remain stress-free and confident.
Frequently
Asked Questions
Uncertainty can be overwhelming. To end it, we provide honest answers, expert insights, and the clarity you need to move forward with confidence. These FAQs will provide you the answers to most of your questions.
What is Lenders Mortgage Insaurance (LMI) ? Do I need it?
LMI is an insurance that protects the lender if you default on your loan. You typically need to pay LMI if your deposit is less than 20% of the property’s value. It’s a one-off fee that can be added to your loan amount.
How much deposit do Ineed to buy a home?
Most lenders require a minimum deposit of 5–10%, but 20% helps you avoid LMI. We can help you explore low deposit options and government schemes to reduce what you need upfront
What’s the difference between a fixed and variable loan?
Fixed: Interest rate stays the same for a set period (e.g. 2–5 years) – stable repayments.
Variable: Rate can rise or fall – may offer more flexibility and features like redraw and offset.
Can I get a loan with casual or contract income?
Yes. Many lenders accept casual or contract workers if you’ve been in your role or industry for at least 6–12 months. We’ll find lenders that suit your employment situation.
Can I use my super to buy a home (First Home Super Saver Scheme)
Yes. The FHSSS lets you withdraw voluntary contributions (up to $50,000) from your super to use as a deposit. There are eligibility requirements — we’ll guide you through the process
How do mortgage brokers make the process easier?
Mortgage brokers do more than compare loans; they lift the weight off your shoulders. They navigate complex paperwork, negotiate with lenders, and translate financial jargon, so you feel supported and empowered. It’s not just about loans; it’s about making your home-buying journey as joyful and stress-free as possible.
How long does the loan approval process take ?
Pre-approval: 1–3 business days
Formal approval: 5-10 business days, depending on the lender and documents provided.
Will applying for multiple loans effect my credit score ?
Yes. Multiple formal applications can lower your credit score. We pre-assess your situation and apply only when you’re ready.
How do mortgage brokers get paid ?
In most cases, our service is free to you. We’re paid a commission by the lender once your loan settles. If any fees apply, we disclose them upfront.
Are you accredited with multiple lenders ? How many?
Yes. We’re accredited with over 30 leading banks and non-bank lenders, giving you access to hundreds of loan products.
Can I switch lenders after I’ve taken out a loan?
Yes. You can refinance or switch lenders anytime. We’ll help you assess the cost vs benefit and manage the transition.
What documents do I need to apply for a loan?
Typically:
● ID (passport, driver’s licence)
● Payslips or tax returns
● Bank statements
● Existing loan/credit card details
We provide a checklist to make it easy.
