Fuel your next move.
Smarter home loans, tailored to your next move.
Lending Made PersonalFinding the right fit.
A home loan helps you finance the purchase of a property, allowing you to borrow the funds you need and repay them over time. With a wide range of loan types, rates, and features available, choosing the right one can have a lasting impact on your financial future.
Whether you're buying your first home, upgrading to a larger property, refinancing an existing mortgage, or purchasing an investment property, there's a home loan designed to suit your circumstances and goals. The right loan should support both your needs today and your plans for tomorrow.
At Spitfire Finance, we take the time to understand what's important to you before comparing suitable options from our panel of trusted lenders. We'll explain your choices in plain English and guide you through the process, helping you move forward with confidence.
Home Loan FeaturesEverything you need in a home loan.
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Flexible Loan Options
Choose from a range of loan types, structures, and features to suit your financial goals.
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Competitive Interest Rates
Access competitive rates from a wide panel of lenders to help keep your repayments manageable.
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Flexible Repayment Options
Choose weekly, fortnightly, or monthly repayments to match your budget and lifestyle.
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Offset & Redraw Facilities
Reduce the interest you pay and access extra repayments when you need them with eligible loan features.
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Fixed or Variable Rates
Choose the certainty of a fixed rate, the flexibility of a variable rate, or a combination of both.
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Low Deposit Options
Eligible buyers may be able to purchase a home with a lower deposit, depending on their circumstances.
A Simple Path to the Right Home Loan
Let’s Chat
Tell us about your goals and financial situation.
We Compare
We assess loan options from our panel of trusted lenders.
You Choose
We explain your options so you can make an informed decision.
Settled
We manage the paperwork and keep everything on track through to settlement.
Our CommitmentMore Choice. Less Stress. Better Outcomes.
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Access to 60+ Lenders
We compare home loan options from more than 60 trusted lenders, giving you greater choice and helping you find the right fit.
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Rated 5.0 by Clients
Our reputation is built on honest advice, responsive service, and helping clients achieve their property goals with confidence.
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All You Need Is One Person
You'll work with one dedicated broker from your first conversation through to settlement, with clear guidance every step of the way.
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No Cost (Paid by the Lender)
Our mortgage broking service comes at no cost to you, so you can access expert advice without paying broker fees.
Frequently Asked Questions
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No. Many lenders will lend with a deposit as low as 5–10%, though this usually means paying LMI unless you qualify for a government guarantee scheme like the First Home Guarantee, which can remove the LMI cost entirely for eligible buyers with a 5% deposit. See our First Home Buyer: Grants and Benefits article for the current detail.
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Depending on your situation, you may have access to the First Home Guarantee (a federal scheme that can remove the need for LMI), state grants like Queensland’s First Home Owner Grant for new builds, and stamp duty exemptions or concessions. These schemes are generally administered separately and can often be used together, but each has its own eligibility rules around income, property price, and whether the home is new or established. We’ll check what you actually qualify for as part of your application — see our First Home Buyer: Grants and Benefits article for a full rundown.
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Yes, in a few important ways. You won’t have access to first home buyer grants or guarantee schemes, but you may be selling an existing property, which introduces its own timing challenges — particularly if you want to buy before you sell. Options like bridging finance, or structuring your new loan with settlement timing in mind, can help manage that gap. We’ll talk through your specific situation, including whether porting your existing loan or starting fresh makes more sense.
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Pre-approval (also called conditional approval) gives you an early indication of how much a lender is likely to lend you, based on the information you’ve provided, before you’ve found a property — useful for setting a realistic budget. Full (unconditional) approval happens once you’ve found a specific property and the lender has assessed and approved that property and loan amount, subject to any remaining conditions like a valuation. Pre-approval typically lasts around 90 days and can usually be extended if needed.
Still Have a Question?
If your question isn’t answered here, that’s exactly what we’re here for. Every situation is different, and general information can only take you so far.
Get Started and let’s talk through your specific circumstances.
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