find the right HOME LOAN without the bank headaches
Buying a home should be exciting — not stressful. Whether you're a first-time buyer, upgrading your family home, or building your property portfolio, we make the home loan process straightforward, fast, and tailored to you.
At Edgewater Finance, we work for you, not the banks. That means personal advice, a wide range of loan options, and smarter lending strategies that align with your goals — not a bank’s sales quota.
Loan Features We Can Help You Access
- Offset Accounts
- Redraw Facilities
- Fixed, Variable or Split Loans
- Interest-Only or Principal & Interest
- 100% Online & Paperless Options
- Fee-Free or Cash-Back Loan Options
HOME LOAN SOLUTIONS for every stage of life
01
First Home Buyers
We’ll guide you through the entire process — from pre-approval to settlement. Plus, we’ll help you access available grants, concessions, and low deposit options.
02
Upgrading or Downsizing
Need to sell and buy at the same time? We can structure bridging finance, tap into equity, or get you conditionally approved so you’re ready to make your move.
03
Property Investors
Whether it’s your first investment or your fifth, we’ll help you structure the loan for maximum cash flow, tax efficiency, and portfolio growth.
04
Construction Loans
Building a new home or doing a major renovation? We arrange progress-payment construction loans and ensure your lender suits your builder’s terms.
05
Refinancing
Still on a legacy rate? We’ll review your current loan and show you how much you could save or unlock in equity.
06
Self-Employed Borrowers
If you run a business or earn income outside the norm, we specialise in low doc and alt doc loans. We know how to present your income the right way to the right lenders.
why use a BROKER instead of going direct to a bank?
More Loan Options
We compare offers from 40+ lenders, not just one bank’s products.
Better Loan Structure
The interest rate is only part of the puzzle. We focus on the right loan features, repayment flexibility, offset accounts, redraw options, and long-term fit.
Expert Guidance
No call centres. No bank jargon. Just straightforward advice from a broker who understands your goals.
Faster, Smoother Process
We manage the application, handle the paperwork, and chase up the bank so you don’t have to.
what we look at when MATCHING YOU with a home loan
- Your income and employment type (including self-employed)
- Your deposit and equity position
- Your credit history
- Your loan purpose (owner-occupied, investment, refinance, etc.)
- Your long-term plans and risk profile
We’ll also identify lender-specific policies that could affect your application — saving you from unexpected knockbacks.
LOAN FEATURES we can help you access
Offset Accounts
Redraw Facilities
Fixed, Variable or Split Loans
Interest-Only or Principal & Interest
100% Online & Paperless Options
Fee-Free or Cash-Back Loan Options
Case Study
JAKE & PRIYA: first home buyers
Jake and Priya had saved a 5% deposit but were overwhelmed by the bank jargon. They came to us for clarity.
What we did:
- Secured a 95% LVR loan with lender’s mortgage insurance waived
- Helped them access the First Home Guarantee Scheme
- Provided conditional pre-approval so they could house-hunt with confidence
- Handled the full process from approval to settlement
“Edgewater Finance made everything so easy. They answered all our questions, kept us in the loop, and helped us secure our dream home.” – Jake & Priya
FAQs - HOME LOANS
How much deposit do I need for a home loan?
Usually 10–20%, but some lenders offer loans with as little as 5% (with LMI). Government-backed schemes can also help eligible first home buyers get in with less.
Can I get a loan if I’m self-employed?
Absolutely. We work with lenders who accept alternative income documentation like BAS statements, bank statements, and accountant letters.
Should I go fixed or variable?
That depends on your income, risk tolerance, and plans. We’ll help you weigh the pros and cons — or choose a split loan for the best of both worlds.
How much can I borrow?
We can give you an accurate borrowing capacity estimate once we know your income, debts, and expenses — no guesswork, no fluff.