We compare Home Loan products from more than 30 lenders



Home Loans

Which home loan will be right for you? There are hundreds of options, so how do you choose? At Pledge Home Loans, we do all the hard work to search through loans from more than 30 lenders. There’s no charge to you for residential home loans and the rates we obtain are the same as those you would see advertised.

It’s our aim to make the whole experience as stress-free as possible and to give you a very high level of service. We’ll help you complete your paperwork, collate all the information required and submit your application to an appropriate lender. And we’ll keep you updated through every step of the process.

Once it’s all settled, we won’t just forget about you. Our post-settlement service will continue for the life of your home loan and we’ll check back with you from time to time to make sure your home loan meets your ongoing requirements.



Choosing the right home loan is a very big decision, but it certainly isn’t a lifetime decision. A loan may suit your needs initially, but life circumstances continually change. Ensure your home loan is still appropriate for your needs with Pledge Home Loans.

Is it time to revisit your home loan? We can help you decide whether refinancing is the best move for you. Whether your decision is driven by cheaper interest rates, unlocking equity in your home, or simply ensuring your current loan meets your needs, we‘ll negotiate on your behalf to ensure you’re getting the best deal.


First Home Owners

Pledge Home Loans’ experienced consultants are here to coach you through the process of purchasing your first home. We spend the time to understand what is important to you so we can make sure your loan is suitable to your needs.

We’re across the latest first home owners grants and concessions and can advise you on how best to take advantage of them. What’s more we can undertake your pre-approval “home-work” to determine how much you can borrow.

So before you start searching for that first home, why not know where you stand? We’re happy to talk it through with you, cost and obligation-free.

Business Team Two Colleagues Discussing New Plan Financial Graph

Investment Home Loans

Are you looking to build your property portfolio? Ensure the loan you choose is getting you the maximum benefit. Whether you’re chasing the best rate, portability, tax offsets, or have other specific objectives, we will work to get you the most suitable loan.

An investment home loan should be tailored to get you the maximum return for your situation. We will search a wide variety of loan options from more than 30 lenders to demonstrate how you can get the best for your investment.


Reverse Mortgage Home Loans

This is a specific home loan product for people aged 60 and above, and is designed to release home equity to live a better retirement. No regular repayments are required as the debt is repaid from the future sale of the property.

Many retirees have money tied up in a house they don’t want to leave, but don’t have the cash to enjoy the lifestyle they would like. A reverse mortgage lets you continue to live in your own home for as long as you wish, and to borrow against the equity in your home for any worthwhile purpose. This could include home improvements, debt consolidation, aged care, living expenses, a holiday or a new car – to name just a few. To find out whether a reverse mortgage could work for you, just give Pledge Home Loans a call.


Construction Loans

Whether you are looking to build your dream home, renovate, or develop multiple residences, construction loans vary greatly from lender to lender.

We will assist you throughout your application to ensure you satisfy the lenders requirements, and ensure we see you through to the completion of your project.


SMSF Loans

If you are looking to invest in property through your Self-Managed Super Fund, there are a number of lenders who can assist. Some of these may not be your traditional “big four” banks. We have several alternatives on our panel, so speaking to us can ensure you’re getting the most suitable product for your SMSF structure.


Non-Conforming Loans

In an environment of increased lender scrutiny, it can be difficult to obtain a home loan if you have had a credit default, a judgement or even a bankruptcy. Many lenders will tell you “no” under these circumstances. Despite this, there are options available.

There are alternatives in the market, even if you don’t currently have a good credit score. At Pledge Home Loans, we have relationships with a range of lenders who may still be able to assist you with your lending requirements. Call us for a no-obligation, confidential discussion.


Medico Loans

If you’re in the health care sector, you may be able to access loans on particularly favourable terms. Many lenders have specific credit guidelines for medical professionals including general practitioners, surgeons, dentists, optometrists, pharmacists, chiropractors and so on.

  • These occupations are generally viewed as lower risk, therefore lenders may offer:
    • Higher loan to value ratios (LVR) without the need of Lenders Mortgage Insurance (LMI)
    • Discounted interest rates
    • loans with no valuation
    • No deposit on practice premises, equipment, motor vehicle or cash flow requirements


Asset Finance

Whether you are looking to purchase a motor vehicle, boat, caravan or motorcycle, we have a range of lenders to assist with both full doc and low doc Loans.

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