Home loans, structured properly.

A well-structured home loan fits your cashflow today and still works in three, five and ten years' time. That is rarely the cheapest rate on a comparison site.

Rate is not the first question.

Most home loans are sold on rate. But the rate you see today won't be the rate you pay for the life of the loan, and it doesn't decide what you can do with your money along the way. Offset efficiency, redraw flexibility, split options, serviceability caps, fees and the lender's appetite for your next move all matter more than the 0.05% difference between two advertised variable rates.

Hypercube Finance structures home loans across a panel of more than sixty Australian lenders. We start with what the loan has to do for you, from cashflow and flexibility to tax efficiency and future plans, then choose the product and lender that fit. The rate still matters, and we compare it once the structure is right.

Specialist home-loan pages.

First home buyers

FHOG, stamp duty concessions, the 5% Deposit Scheme (formerly the Home Guarantee Scheme) and a deposit strategy that works, wherever you're buying in Australia.

First home loans

Next home buyers

Upsizing, moving, selling first vs buying first, and the ownership decisions that flow from it.

Upsizing loans

Pre-approval

Formal, usable pre-approval so you can bid with confidence and avoid rushed finance clauses.

Get pre-approved

Bridging finance

Buy your next home before you sell the one you're in.

Bridging loans

Construction loans

New builds, knockdown rebuilds and renovations, with draw schedules and valuations coordinated.

Construction finance

Low deposit & LMI

Buying with a 5 to 10% deposit. We compare LMI, professional waivers and the 5% Deposit Scheme.

Low deposit options

Guarantor loans

Using family equity as security, with a clear plan to release the guarantor.

Guarantor loans

Expat & non-resident

Foreign income, FIRB and LVR caps, handled by brokers who have closed these deals before.

Expat loans

Home-loan FAQs

How much deposit do I need?

For a standard owner-occupied purchase, 20% of the purchase price plus stamp duty and costs lets you avoid Lenders Mortgage Insurance. You can buy with 5 to 10%. LMI is the main cost of doing that, and there are ways to reduce or avoid it, such as the 5% Deposit Scheme, professional packages or a guarantor structure. We set out the trade-offs in the discovery call.

How is my borrowing power calculated?

Every lender runs its own serviceability calculator. Your income is assessed (with haircuts on bonuses, rental income, overtime and commissions), your living expenses are benchmarked, your existing debts are stress-tested at higher rates, and what's left is capitalised at the lender's assessment rate. The number each lender gives you can vary by tens of thousands of dollars on the same income.

Is fixed or variable better?

Neither is better for everyone. Fixed gives certainty and protection against cash rate rises. Variable gives flexibility, offset, redraw and the ability to make extra repayments without break costs. Most clients end up with a split to get the benefit of both. The right split depends on your cashflow, your timeframe and where the rate cycle is.

Do I pay you, or does the lender?

For residential home loans, our remuneration is paid by the lender as a standard broker commission. You don't pay Hypercube Finance directly for a home-loan engagement. If any engagement ever sits outside that model, we disclose it in writing before you agree.

How many lenders do you work with?

More than sixty. That includes the four majors, second-tier banks, credit unions, non-banks, and specialist commercial/SMSF funders. A deeper panel gives us more policy niches, so a deal that a single bank would decline may still fit another lender's policy.

Can I refinance with you even if you didn't write my original loan?

Yes. Many of our clients come to us at refinance time because their existing broker went quiet and the bank stopped sharpening the rate. Our refinancing page sets out what we look at.

Home loans, structured properly.

Rate is not the first question.

Specialist home-loan pages.

Home-loan FAQs

Related reading

Ready to structure this properly?