- We’re Here to Make It Easier
Helping First Home Buyers
Purchasing your first home is exciting—but it can also feel overwhelming. With so much information to sift through and complicated jargon to decode, knowing where to start isn’t always easy.
Pre-qualification Check
- First Home Buyers
First Home Buyer Loans
As a first-time buyer, navigating the various government incentives can be confusing. With the right guidance, however, you can take advantage of grants and schemes that reduce costs and help you secure your home sooner.
At ALIC, we specialise in cutting through the complexity. We’ve helped thousands of Australians understand their options, maximise available incentives, and make informed decisions about their first home purchase.
Government programs frequently change, and staying up to date can be a challenge. That’s where we come in—our experts provide clear, current advice to ensure you don’t miss out on potential savings.
- ABOUT US
Why Australians Invest With Us
More than 36,000 Australian businesses and individuals choose us as their mortgage brokers.
Ethical Lending
ALIC is genuinely different – an award-winning broker with no hidden financial incentives and no questionable referral partners.
Diverse Lending Panel
With more than 30 bank and non-bank partners on our lending panel, finding the right mortgage is simple.
Strategic Approach
Your loan should be one that supports your ideal future – whether that’s a multi-property portfolio or a stress-free retirement.
Connect With Experts
Access our network of leading property professionals to get the advice you need – no referral commissions involved.
- Multiple Award Winning Lender
Smarter Lending Solutions Since 2009
At ALIC, we believe Australians deserve a better deal. Since 2009, we’ve been challenging the industry status quo, offering smarter, more customer-focused lending solutions that put you in control. By truly understanding what matters to homebuyers, we help thousands of Australians save money and make confident property decisions every day.
Let’s make your first home a reality—without the stress.
- The ALIC Advantage
More Than Just a Home Loan
Connect With Advocates
Our lending strategists can connect you with essential professionals like buyer’s advocates – and, with no financial relationships involved, you know you’re getting an honest referral.
Develop a Strategy
It’s a step towards your long-term financial objectives, which is why the right lending structure and a proper borrowing strategy are so important.
Build a Portfolio
With a record of successful portfolio creation for leading investors, our strategists can help get you there – whatever ‘there’ looks like for you.
- Testimonials
Leading Property Investors Trust ALIC
Our clients share their experiences of transformation and growth.
Trusting someone with your finances is a crucial decision, and ALIC has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it's about building a lasting partnership.
Look no further than the Australian Lending & Investments Centre. No one better and highly recommended.
We've recommended Tash to all of our friends who have sought mortgages and they would all write something similar. Highly recommend.
- With a Guarantor
Guarantor Home Loans
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.
- FAQs
Questions About Home Loans
Is it easier to get a mortgage through a mortgage broker?
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.
Do mortgage brokers give loans?
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.
Are mortgage brokers better than banks?
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.
How do mortgage brokers get paid?
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:
- a diverse lending panel with 15 or more lenders
- a proven record of happy clients
- a long-term, outcome-focused approach to lending
- no financial relationships with buyer’s advocates, real estate agents, or other property professionals.
What’s the best bank to get a home loan from?
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.
- Talk to our experts
