How much can I borrow?
Use our quick borrowing power calculator to estimate how much
you may be able to borrow for a home loan.
Trusted Home Loan Advice
Since 1993
For more than three decades Collins Home Loans has helped borrowers navigate Australia’s lending market with experienced advice and access to a wide panel of lenders.
Our role is to compare options across lenders, structure the right loan for your circumstances and guide you through the entire process from application to settlement.
Whether you're buying your first home, refinancing, or building an investment portfolio, we provide clear advice and a personal approach that helps simplify the process and give you confidence in your decisions.
Key Stages Of The Home Loan Process
1. Preparation & Pre-Approval
We begin by assessing your borrowing capacity based on income, expenses and existing commitments. Obtaining pre-approval helps clarify your budget and demonstrates to sellers that you are a serious buyer.
2. Property Search & Offer
Once you know your budget, you can begin searching for a suitable property and make an offer when you find the right home.
3. Loan Application & Assessment
When your offer is accepted, the loan application is submitted to the lender. Supporting documents such as income verification, identification and bank statements are provided, and the lender will arrange a valuation of the property.
4. Conditional & Formal Approval
The lender may initially provide conditional approval while final checks are completed. Once all requirements are satisfied, formal approval is issued confirming the lender’s agreement to provide the loan.
5. Loan Documents
You will receive the loan offer and documents for review and signing. These outline the loan terms and conditions.
6. Settlement
Your solicitor or conveyancer coordinates settlement, including transferring the property title, paying the balance of funds and registering the mortgage.
7. After Settlement
Once settlement is complete, the loan becomes active and regular repayments begin as you take possession of your new property.
Our Services
We offer a full range of residential lending solutions tailored to your goals. Whether you're a first home buyer needing guidance, a homeowner looking to refinance, or an investor expanding your portfolio, we’re here to help. Our services include home loans, investment loans, refinancing, debt consolidation, and access to government grants and incentives. We compare dozens of lenders to find the best fit—so you get the right loan, without the hassle.
First Home Buyers
We guide you through every step of the buying journey, from understanding your borrowing power and exploring available grants to comparing lenders, handling paperwork, and securing your first set of keys—making the entire process simple, clear, and stress-free. Our expert brokers are here to answer your questions, explain your options in plain language, and ensure you feel confident every step of the way.
Investment Loans
Build your property portfolio with tailored finance solutions and expert advice designed to help you maximise returns and grow with confidence. Whether you're purchasing your first investment property or expanding an existing portfolio, we’ll assess your borrowing capacity, identify tax-effective strategies, and structure your loan to support long-term growth. With Collins Home Loans by your side, you can invest smarter and plan for a financially secure future.
Refinancing
Whether you’re looking to lower your repayments, reduce your interest rate, or access equity for renovations, investments, or other personal goals, we make refinancing straightforward, strategic, and rewarding. Our experienced brokers will compare a wide range of loan options to find a better deal, guide you through the process with minimal disruption, and ensure the new loan aligns with your long-term financial plans.
Debt Consolidation
Simplify your finances by rolling multiple debts—such as credit cards, personal loans, or car finance—into one manageable home loan. At Collins Home Loans, we’ll help you streamline your repayments, potentially reduce your overall interest rate, and ease the pressure on your monthly budget. Our expert team will assess your situation, explore the best consolidation options, and guide you through the process to help you regain control and move forward with greater financial clarity.
Why Choose Collins Home Loans?
At Collins Home Loans, we believe getting a mortgage shouldn’t be overwhelming. With a client-first approach and decades of industry experience, we offer personalised home loan solutions that are simple, transparent, and tailored to your goals. We work with a wide range of lenders to give you more choice—and negotiate on your behalf to get the right result. Whether you're buying your first home, refinancing, or investing, we’re here to guide you every step of the way with expert advice and genuine care.
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Personalised
Service
Expert
Guidance
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Wide Lender Panel
Competitive rates with no hidden fees.
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Tailored Solutions
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