5.19
%
p.a.
Interest rate *
Buying a home can be overwhelming. Our goal is simple: to empower you to buy sooner, better, and smarter.
Just because the bank said no, that doesn’t mean you cannot get a loan. Our access to over 40 banks and lenders means we can find the right product for you. Whether it’s a 5% deposit or a low-documentation loan.
With fast approvals and flexible structures, it’s no surprise more Australians are choosing It’s Simple for their home loan.
When it comes to finance, we ensure it’s simple.
From Stuck to Settled — $2.4M Investment Refinance in 4 Hours
Buy a home sooner, better, and smarter. With fast approvals and flexible structures, it’s no surprise more Australians choose It’s Simple.
From Stuck to Settled — $2.4M Investment Refinance in 4 Hours
It’s Simple Finance makes securing the right home loan simple. Whether you’re a first-home buyer, upgrading, or looking to invest. We handle the paperwork, negotiate with lenders, and keep you informed every step of the way.
Whether you are buying your first home, upgrading to your next, or investing in property, we handle the paperwork, negotiate with lenders, and guide you through every step.
These flexible loans move with the market and can help you pay off your mortgage faster depending on market conditions.
Lock in your interest rate for greater peace of mind. Fixed loans make it easier to budget with predictable monthly repayments.
You can purchase property with as little as a 5% deposit, helping you get into the market sooner.
Grow your wealth through property. Discover loan structures designed specifically for investors.
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Yes. You can apply with a partner, spouse, family member, or even a friend. Applying jointly often increases your borrowing capacity.
Yes. You can make extra repayments, switch repayment frequency, or refinance to a shorter term. Each option can reduce the total interest you pay.
Pre approval is conditional approval from a lender showing how much you may be able to borrow. It gives you confidence when making an offer but is not a final loan approval.
Some lenders offer loans with as little as 5 percent deposit. Most borrowers aim for 20 percent to avoid Lender’s Mortgage Insurance (LMI).
LMI protects the lender, not you, if you default on your loan. It is usually charged when you borrow more than 80 percent of the property value.
Typically, you will need proof of identity, payslips or income statements, bank statements, details of assets, and information about existing debts.
Pre approvals can be done in 24–48 hours. Full approvals depend on the lender and the complexity of your application, but many are processed within a week.
Yes. Different lenders have different criteria. A broker can match you with a lender more suited to your situation.
Fixed rates give certainty over repayments for a set period. Variable rates move with the market, but may offer more flexibility. Some borrowers choose a split loan with both fixed and variable portions.
In most cases, no. Our service is paid for by the lender, so you do not pay a fee.
Yes. Refinancing can reduce your repayments, consolidate debt, or unlock equity to fund other goals.
Yes, in some cases. With a guarantor or by using equity in another property, you may be able to borrow up to 100 percent of the purchase price.
Besides your deposit, you may need to cover stamp duty, conveyancing fees, building and pest inspections, and moving costs.