Home Loans

Experience a stress-free and easy home purchase thanks to the dedicated and knowledgeable team of loan brokers at Hodgestone Finance. Combining our years of experience with our qualifications and training our skilled and accredited professionals can find you the right home loan at a low rate to make repayments easier.

Available in fixed and variable rates over differing periods of time our low doc home loans give Melbourne residents the opportunity to realistically pursue home ownership, regardless of their credit or saving history. For whatever reason you do not have a complete selection of documents our expert team can deliver low doc home loans to Brisbane locals and beyond.

For more information about our complete and guaranteed low doc homes loans Sydney residents are encouraged to call us directly on 1300 463 469.

Home Loans Australia

Home Loans Australia – Best Home Loans

What is a home loan?

A home loan is any loan used to help pay for a home, but it’s a term which can cover a range of specific situations.

For example, a service like Hodgestone Finance can offer a straightforward loan for home purchasing, but we can also offer refinancing (a way of shifting your debt to update to a new loan agreement that suits your current financial situation), bridging home loans (so you can buy before you sell) or even equity release loans, often referred to as reverse mortgages.

What are the types of home loans available?

There are many options available when it comes to getting a home loan, including:

  1. Full doc home loans
  2. Low doc home loans
  3. “Non-conforming” home loans
  4. Bank home loans
  5. Non-bank / private lender home loans
  6. Bridging loans

To discuss the details of these options and what works best for you, speak to consultant experts like Hodgestone Finance.

Where can Hodgestone Finance provide home loans for?

Hodgestone Finance provides services across Australia, with options for full doc and low doc home loans Brisbane, Melbourne & Sydney locals can count on for competitive rates and flexible terms.

Low Doc Home Loans

Low Doc Home Loans & No Doc Home Loans

What is a low doc home loan?

A low doc home loan is one that has a lower threshold for the application process than a typical bank loan. The reasons some people need low doc home loans is that they might have adverse credit history or, because they operate as sole traders, lack PAYG income proof.

What do you usually need for a low doc home loan?

Typically a low doc home loan will require:

  1. A business activity statement
  2. An accountant’s statement

What is a no doc home loan?

A “no doc home loan” is a bit of a misnomer – more commonly, the term “non-conforming” home loan will be used. Often utilised by private, non-bank lenders, these are loans for “non-conforming” applicants, and while they may often come with slightly higher rates as higher rates of risks are attached to non-conforming applicants, they can still offer a way into the property market for most people.

Home Loan Broker

Home Loan Broker & Private Lender Home Loans

What is a home loan broker?

A home loan broker is someone who acts as an intermediary between you and a lender. With experience in the finance industry and established connections, they can consult on what loan amount, rate and repayment timeline is feasible for you, as well as connect you with lenders, whether bank or non-bank private lenders.

What is a private home loan lender?

A private home loan lender is a lender outside of the major banks, that isn’t a bank. With private lenders you often get a more personal service, as well as loan terms which can be more flexible than bank terms – especially when it comes to catering for non-conforming loan applicants.

Do I need a home loan broker?

Getting a home loan can be difficult, especially if you’re new to the property market, going for a private loan or are a non-conforming loan applicant.

With a home loan broker, you have an expert that can help ensure you’re finding a sustainable and manageable home loan. With a commitment as large as a home, it’s vital to walk into one with your eyes open, which is exactly what a broker can help you with.

Best Home Loans

Best Home Loans & Home Finance

How do you find the best home loan?

Finding the best home loan often comes with a bit of expert help – as mentioned above, often from a broker like Hodgestone Finance. However, other key tips for finding the best home loan is being patient, shopping around, assessing your existing funds and equity clearly and asking detailed questions to your consultant, broker or directly to the lender you end up choosing.

What are things to consider when choosing a home loan?

It’s important to consider which type of home loan will work best for you, focusing on options like:

  1. Secured home loans
  2. Unsecured home loans
  3. Low docs / non-conforming loans
  4. Short term or long term repayment
  5. Non-bank vs bank loans
  6. With the help of a broker vs without the help of a broker
Home Finance Rates

Home Finance Rates / Home Loan Rates

What’s the difference between variable rate and fixed rate home loans?

Variable rate home loans refer to loans with interest rates that will change depending on the nation’s economy, based on the RBA’s (Reserve Bank of Australia) current cash rate.

What are your property loan rates?

Look over to our regularly updated overview of rates on the side of the page our current home loan rates, or call Hodgestone Finance today on 1300 463 439 to find out more.


Consulting and broking services provided by Hodgestone Finance do not constitute a guarantee on the loan itself when arranged with a third-party (whether bank or non-bank) and we do not accept responsibility for any failure for lenders to deliver on the outlined terms.


Got questions about Commercial Loans? We can help.

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Client Testimonials


The knowledge around Commercial Property & the customer service at Hodgestone is the best you will get. I was really struggling to get a Commercial Loan & Hodgestone came to the rescue with a great solution.


Tristan M


I was overly happy with how quick Hodgestone had my Home Loan approved, it was settled in three weeks of contacting them! I could organise my wedding, renovate my house & buy a new car thanks to Daniel & Alex. Great work Hodgestone.


David B


I was at major risk of losing my block of Land, I had a week to settle to avoid this. I contacted Hodgestone, who structured my loan with a private lender and it was settled 4 days later! I highly recommend Hodgestone to everyone.


Anup B


We have been dealing with Hodgestone for many years now & we are more and more impressed every time we have a new deal for the team. Hodgestone are the best we have come across when it comes to Low Doc lending.


Scott & Vanessa


The situation we brought to Hodgestone Finance was very complex & it was dealt with in a very professional & timely manner by the team, we are so glad we found Hodgestone to help with our Short-Term lending. A better fit would be hard to find!


Lavinia R