Whether you’re moving up the property ladder or just getting on, choosing the right mortgage matters.
Enter the property market with low-deposit loans and government grants.
Navigate towards your forever home with an owner-occupied mortgage.
Explore flexible loans that can help make your own home a reality.
With a guarantor’s backing, you can take out an LMI-free loan and enter the market faster.
Learn how you can borrow through your SMSF or refinance an existing loan.
Start building your property portfolio with an investment home loan.
Buying your first property isn’t just about having a home that’s finally yours.
By entering the property market, you’ll benefit from capital growth, the most sustainable way to build wealth in Australia.
That’s why working with a broker who can get you there is so important.
With an average approval rate of 96%, our lending strategists can help you secure the right loan – one that’s affordable today and structured for tomorrow.
Schedule a free consultation to find out how we can make your first home a reality.
More than 36,000 Australian businesses and individuals choose us as their mortgage brokers.
ALIC is genuinely different – an award-winning broker with no hidden financial incentives and no questionable referral partners.
With more than 30 bank and non-bank partners on our lending panel, finding the right mortgage is simple.
Your loan should be one that supports your ideal future – whether that’s a multi-property portfolio or a stress-free retirement.
Access our network of leading property professionals to get the advice you need – no referral commissions involved.
Moving onto your next home is a big decision.
You need a loan structure that matches your financial situation.
You need a lender who can move to settlement quickly.
And you need a borrowing strategy that looks beyond today – to the home after this one, to your first investment property, to your long-term financial goals.
Our lending strategists can help you get there.
Our clients share their experiences of transformation and growth.
Every year, residential properties in Australia increase in value by a median of 16.48%.
On a $600,000 home, that’s an annual increase of $98,880 – enough for a deposit on an investment property.
Using a guarantor to take out a home loan can help you get into the market faster, minimising lost opportunity costs and helping you build your property portfolio.
And, with LVRs of up to 105% available, you might not even need a deposit to start borrowing.
Schedule a free consultation with one of our lending strategists to find out more about how ALIC can help.
With articles written by award-winning brokers like Mark Davis, ALIC’s Insights Hub is one of the best places to learn about building wealth through property.
When it comes to purchasing a property, one decision you have to make is choosing between a fixed interest vs variable interest rate for your mortgage. Understanding the difference between these two options is essential for making an informed decision. Let’s explore the disparities between fixed and variable interest rates
Damian Brander, ALIC’s Managing Director, was invited to be an expert panelist on Ripehouse Advisory’s vodcast to discuss the RBA’s monetary policy and its impact on property investors. Joined by a panel of the greatest minds in the industry, they tackled all the hard-hitting questions and reviewed the announcements from
Owning a home has long been a cherished dream for many Australians. However, the soaring real estate prices in major cities have made this aspiration seem unattainable for first-time homebuyers. In response to this challenge, the Australian government has introduced several First Home Buyer Schemes to assist prospective homeowners in
Yes, getting a loan for a residential property is generally much easier if you go through a mortgage broker.
A good broker will act as a guide to the complex world of property financing – they’ll help you understand the loan process and what lenders look for, they’ll operate in your best interests, and, most importantly, they’ll help broker a loan designed for your specific situation.
Mortgage brokers maintain a network of lenders that they can easily reach out to, which means they may be able to help you get a mortgage even if you’ve been rejected when you’ve applied directly to banks. They’ll be able to represent you in the best possible light, making it more likely that you can get a loan with favourable repayment conditions and interest rates.
A mortgage broker doesn’t normally give loans. They act as a liaison between you (the borrower) and the lender, who can be a bank or a non-bank financer.
Most banks let you borrow directly from them, but it often makes more sense to go through a mortgage broker. Banks are lenders, which means they typically have set home loan rates. These rates aren’t ideal for everyone, and you may benefit from the tailored rates that a mortgage broker can facilitate.
Banks may also not want to lend to you outright, especially if you already have a number of mortgages. A mortgage broker can negotiate with the bank to get you a loan; if they’re unable to get a loan from a particular bank, they can help you find another lender from their network of banks and non-bank financers.
Most mortgage brokers get paid by commission from lenders, although some charge the client – you – a service fee instead. Both methods have their advantages and disadvantages.
Service fees can easily run into tens of thousands of dollars, especially if your broker works with you to identify the right type of loan for your financial objectives. That can add a large upfront cost that isn’t affordable for many Australians and means there’s no financial incentive for your broker to secure you a loan quickly. The benefit of paying your broker directly is that they’re not financially associated with lenders.
Brokers who get paid by commission, on the other hand, are completely free for you to use. They can work with you to find the right loan (not just the first one you can afford), develop long-term borrowing strategies, and resolve any problems free of charge. Because they get paid once a loan is settled, they’re incentivised to get you a loan quickly. The disadvantage is that unethical commission-paid brokers may refer you to certain lenders who may pay higher commissions, rather than the lender that’s the best fit for you.
To find an ethical broker, look for a brokerage like ALIC that has:
There is no ‘best bank’ to borrow from. Finding the right lender depends on your personal circumstances and financial goals.
Working with a broker means you’ll have an accredited professional helping source different mortgage options from both bank and non-bank lenders – and, just as importantly, they’ll be able to model exactly how each loan could affect your financial future. Once you understand the possible options and their long-term implications, you can make an informed decision about which loan is right for you.
We help you achieve your dreams and goals through ethical lending strategies.
