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Home Loans 

With our easy Finance Enquiry Form, we can get to work on your Home Loan immediately. 


Our Home Loans department is a full Member of the Mortgage & Finance Association of Australia and the Credit Ombudsman Service Limited which ensures you of our professionalism and ethical lending practices. 


Our Home Loan professionals are all highly experiences in bank lending processes, evaluating suitable loan products to their clients and continuously undertaking  training provided by our 36 Home Loan lenders on our panel when new products are introduced in the market or changes to existing products.


Our Home Loan professionals are experts in:

    • Variable Interest Rates 
    • Discount Variable Interest Rates 
    • Honeymoon Rates 
    • Fixed Rates
    • Line of Credit 
    • 100% Offset Loans
    • Low Doc Home Loans
    • Reverse Mortgages
    • Construction Loans
    • Vacant Land Home Loans
    • Self Employed Home Loans
    • Bad Credit Home Loans
    • Private Funding Home Loans

   Why doesn't Credit Reform have Home Loan borrowing calculators on their website?
Every applicants circumstance is different, borrowing calculators work only on your income/expected borrowing amount. It is hard to determine how much money you can borrow on just a single question. There are so many other factors that contribute to your application, for example your assets and liabilities, previous credit history and employment circumstances. For a better understanding on how much you can really borrow, it is better to sit with a consultant before you click on to a banks calculator. 

Home/Investment Loans


If you are thinking of selling one house and buying another, or even buying the second as an investment we recommend pre-qualifying for Home Loan before you start.


We provide products with the ability to tailor your payments to match your income stream, opportunity to make extra repayments and redraw when required and even splitting the loan. 


First Home Buyers


The recent rises in home price throughout Australia, has proven to be an ever growing problem for first home buyers. Banks and other lenders insist that individuals have at least 5% in genuine savings before they will consider lending to you. 

Lenders tend to go through savings records with a fine-tooth comb, disregarding any lump sums even if they are gifts from relatives, from the sale of a car or other personal goods.


At Credit Reform, our goal is to deliver more products, as long as individuals can confirm that they have sufficient funds to cover stamp duty and other costs we can help even without three months savings statement.

Equity Release

With the rise in property values throughout Australia over the last few years, many people are now looking to access equity held in their homes. 

Our Home Loans department can look to help you release that equity for reasons such as:

  • Renovate your existing property
  • Purchase a new investment property
  • Consolidate debts
  • Purchase a new Car, Boat or Caravan
  • Provide deposit for your children to purchase a home

Many parents have properties with little or no mortgage against them. Using this equity is to release a sufficient portion of it for your children where they can use as a deposit on their own home purchase. 


Credit Reform Australia

Call us today on 1300-281-133