Home Loans

Whether you’re buying your first or next home, it can be overwhelming with process, paper work and information overload. Do it right and it can be positively rewarding and live changing!

Our aim: “To empower you to buy sooner, better, smarter!” – just because you’ve been knocked back a bank doesn’t mean you can’t get a loan! Don’t quite have that 20%? 

Don’t stress, we may be able to help you purchase a property with as little as a 5% deposit (and maybe even less)!

We work with 40+ banks and lenders to give more choices and tailored offers.

With great rates, fast approval times and flexible loan options, more Australians choose It’s Simple when shopping for a home loan.

When it comes to finance, we make sure It’s Simple.

Interest rates from:

5.89

%

p.a.

Interest rate*

5.91

%

p.a.

Comparison rate*

Home Loan
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Home Loan
Options​

Home Loan

Variable home loans

You’re possibly (actually, probably) paying too much interest on your loan.
When was the last time you did a health check on your loan? Banks can sometimes make it more challenging than it needs to be. 

Fixed rate loans

Fixed rate home loans are perfect when we have economic uncertainty. It’s when your mortgage  interest rate remains constant, usually a few years. It offers predictable monthly payments, making it an excellent choice for those who loves certainty.

Home Loan
Home Loan

Investment loans

Planning on starting or expanding your investment portfolio? We’re here to help with tailored offers and more choices to suit your investment needs and goals.

Why It’s Simple?

Home Loan
Home Loan

Prepare Your Paperwork

Our streamlined process makes paperwork a breeze. With our user-friendly systems and guidance, submitting your documents will be quick and hassle-free, ensuring a smooth start to your home loan journey.

Home Loan

Meet With Your Broker

Our experienced brokers are dedicated to understanding your unique financial goals and finding the perfect loan solution for you. Their expertise and personalized approach will give you confidence and peace of mind, knowing you're in capable hands.

Home Loan
Home Loan

Submit Your Application

Submitting your application needs all the right things attached..don't worry we'll make it simple. Our secure and efficient application submission process ensures that your information is handled with utmost care, providing you with a sense of security and ever so closer to settlement.

Home Loan

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Home Loan
Home Loan

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Home Loan
Home Loan

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Apply online for a home loan

We scan our offers and rates based on your exact situation. If you haven’t found a property yet, simply put the approximate amount of the property. Don’t forget to also use our calculators to get an estimate of your maximum borrowing capacity. We value your privacy and are committed to protecting all personal information we collect.

What Clients
Say About Us

Jasreen Sangha
Jasreen Sangha
We reached out to Michael from It's Simple to refinance our home loan. We found Michael to be dedicated and knowledgeable throughout the process. We appreciated his communication and flexibility in meetings times. He was able to deliver or exceed on all said deliverables. Would recommend Michael without hesitation to all family and friends as well keeping him as our preferred broker!
Justin Cox
Justin Cox
Simple finance is just that simple. Michael made refinancing our home loan such an easy and seemless process. We would quite happily recommend Michael and be happy to use him with any future endeavours.
Melinda Barton
Melinda Barton
This was our second time using Simple Finance and as the name suggests the whole process of refinancing our investment loan was made simple thanks to Michael and his expert knowledge, professionalism, swift, transparent communication, and caring manner. I highly recommend Simple Finance and look forward to working together next time.
Sam Ranieri
Sam Ranieri
Michael is an absolute legend. I would like to express my heartfelt gratitude to Michael for his professionalism, He guided us through the entire process from start to finish, it was explained and executed professionally and in record time. All of the information was requested and vetted prior to application which made the approval step and time period quick and easy. I can highly recommend Michael to anyone in need of a loan service. Thank once again for your support!
Ivana Ticinovic
Ivana Ticinovic
Joey was a sensational help to us during our initial mortgage application process. Great honest advice and guidance in the lead up during the purchase of our property. Buying a property during a Covid lockdown was a huge task already however Joey made it the whole process seamless could not recommend enough. We have now reached out again to Joey to help us get a lower rate on our loan after our fixed period had expired. We have now locked in one of the lowest rates on the market and couldn't be more grateful for his assistance! These guys are the best in the business!
Mark Hassan
Mark Hassan
Outstanding service and support. Michael and his team at simple finance Made our journey in buying our 1st investment property super easy. We would highly recommend them for anyone looking for a loan, refinance or even a chat to help you understand the process. Thanks again Team.
simonfayek
simonfayek
Yahya jassem is very professional staff ..Honest ..reliable .i strongly recommend him..my loan application and purchasing process went very smooth Thanks Yahya
Jason G
Jason G
Best company to refinance with, had the pleasure of Michael Mankin assisting me and all was a smooth process, highly recommend.
Emily Cooke
Emily Cooke
Joseph isn't *just* a brilliant mortgage broker. He isn't *just* a mathematical genius. He isn't *just* a great business mind. Joey is someone you want in your corner when you're making big decisions. Like who to trust with your home loan. He genuinely wants to help make the lives of everyone around him better through education and property. His clients and colleagues are better off for the work he does. I'd proudly recommend Joey and the It's Simple team every single time. 🙌🏼
Eric Hoffmann
Eric Hoffmann
The team at It's Simple made it super easy to get into our first home. Yahya, Michael and Joseph are experts at what they do.