A home loan should fit the purchase, not just the application.
The right home loan depends on more than the advertised interest rate — it should fit the purchase, not just the application.
The right home loan depends on more than the advertised interest rate — it should fit the purchase, not just the application.
A mortgage is likely to be one of the largest financial commitments you will make. That makes the structure of the loan worth considering carefully, not simply the headline rate.
DVELOP Finance helps clients assess their home lending options and structure finance around the broader objective — from a first purchase to an upgrade, or refinancing an existing mortgage. We take the time to understand the situation before considering which lending options may be appropriate.
What we consider
Depending on your circumstances, a range of factors can matter as much as the interest rate. The right combination depends on the purchase and your plans.
- Loan amount, deposit and LVR
- Repayment structure and loan term
- Fixed versus variable rates
- Offset and redraw facilities
- Establishment, ongoing and valuation fees
- Future borrowing plans and servicing
Understanding the total cost
A loan should not be judged solely by its headline rate. The lowest advertised rate does not always produce the best overall outcome once fees, features and flexibility are taken into account.
- Interest and ongoing fees
- Establishment and valuation costs
- Break costs on fixed rates
- Repayment flexibility and features
What lenders generally consider
Lending requirements vary between lenders, but an assessment commonly takes account of the following.
- Income and employment
- Living expenses and existing debts
- Credit history
- Deposit or available equity
- Property value and LVR
- Loan purpose and proposed repayments
Things to weigh up
Deposit, equity and overall borrowing position
Loan structure, features and repayment type
How the loan fits alongside your longer-term plans
Property-led finance, structured around your goals.
Clear advice, from first conversation to settlement
Understand your position
We start with your goals and the numbers behind them, then explain the options in plain language.
Match the right structure
We consider suitable lending pathways and recommend a structure with the reasoning made clear.
Manage the process
We handle the application detail and keep you informed on what happens next through to settlement.
A simple process, even when the finance isn't
Talk to us
Tell us what you want to do and the basic numbers behind it.
Compare your options
We assess the scenario, structure and suitable lending pathways.
Apply with confidence
We prepare and manage the application, keeping it clear throughout.
Settle and review
We stay in touch and review your finance as your situation evolves.
Explore related home finance options
First Home Buyers
Deposits, borrowing capacity, government schemes, stamp duty and LMI — we help you understand the finance side before you commit to a property.
Learn moreRefinancing
A different lender may offer a lower rate, but the real question is whether changing the loan improves your overall position.
Learn moreConstruction Loans
Construction finance is generally released progressively as the build reaches agreed stages, subject to lender requirements.
Learn moreBridging Loans
Bridging finance may help you purchase a new property before selling an existing one, where settlement timing does not line up.
Learn moreDebt Consolidation
Combining eligible debts into a single facility can simplify repayments — but it is not automatically beneficial, and the structure matters.
Learn moreCommon questions
General information about home loans. It is not financial advice — every situation is assessed individually.
Discuss Your Home Loan
Tell us what you’re looking to finance. We’ll start with the right questions and keep the process clear.