Whether you're buying your first home or upgrading, WJ Home Loans compares owner-occupied lending options across 40+ lenders — helping you find a structure that suits your situation, wherever you're buying in Australia.
A home loan (also called an owner-occupied mortgage) is a credit facility that enables you to purchase or refinance a property you intend to live in. As mortgage brokers, WJ Home Loans work with you to understand your financial position and compare suitable options across our lender panel.
Unlike going directly to a single bank, a mortgage broker can access a panel of lenders — from the major banks to specialist non-bank lenders — and help you identify a loan that suits your deposit, income, and long-term goals.
We're paid a commission by the lender if your loan settles, and we'll always disclose how we're remunerated so you can proceed with full transparency.
There's no one-size-fits-all home loan. We'll help you understand the trade-offs and identify which structure suits your situation.
Your interest rate moves with the lender's rate. Variable loans typically offer features like offset accounts, redraw facilities and the ability to make extra repayments without penalty.
Lock in your interest rate for 1–5 years for certainty over your repayments. Useful for budgeting, though typically with fewer flexible features than variable loans.
Divide your loan between a fixed and variable portion — giving you rate certainty on part of your borrowing while retaining flexibility on the remainder.
Each repayment reduces both your loan balance and the interest owed. The most common structure for owner-occupied loans — and often offers a lower interest rate than interest-only options.
Link a savings account to your mortgage. The balance in your offset account reduces the principal on which interest is calculated — a tax-effective way to save on interest.
Some lenders offer loans with deposits as low as 5%. We'll help you understand LMI implications and whether lender's mortgage insurance can be avoided or minimised.
We access options from major banks, credit unions and non-bank lenders — not just one institution — giving you a broader view of what's available.
Interest rate, comparison rate, fees, features, offset accounts, redraw — we help you understand what you're actually comparing.
We manage the paperwork, liaise with lenders on your behalf and keep you updated throughout — from pre-approval to settlement.
We're part of a trusted Australian finance group with deep expertise across property, lending and investment.
We're paid by the lender, not you. We'll always disclose upfront commissions and trail so there are no surprises.
Tell us about your situation and we'll compare suitable options from our lender panel — no obligation, no cost to you.
Or call us on 0412 224 254
hello@wjhomeloans.com.au
From your first conversation with us to settlement, here's what to expect when working with WJ Home Loans.
We discuss your goals, financial position, timeline and property type — getting a clear picture of what you need.
We research suitable options across our panel and present you with a credit proposal explaining our recommendation.
Once you choose a product, we prepare and lodge your application, manage lender queries and track progress to approval.
We coordinate with your conveyancer and the lender to ensure funds are ready on settlement day — and stay in touch post-settlement.
Your borrowing capacity depends on your income, existing debts, living expenses, credit history and deposit. Most lenders assess serviceability using a buffer above the current rate. We can run an indicative borrowing capacity estimate based on your situation — contact us for an assessment.
Most lenders prefer a 20% deposit to avoid Lender's Mortgage Insurance (LMI). However, some lenders accept deposits as low as 5% with LMI. First home buyers may also be eligible for the SA First Home Owner Grant and stamp duty concessions — we can help you understand your eligibility.
A fixed rate loan locks in your interest rate for a set period (usually 1–5 years), giving you repayment certainty. A variable rate loan moves with market rates, typically offering more flexibility including offset accounts and extra repayments. A split loan combines both. We'll help you understand which suits your situation.
We receive an upfront commission and trail commission from the lender if your loan settles. We disclose all remuneration details upfront as required by our credit licence obligations. Our goal is to find the most suitable loan for your needs, not the one that pays us the most.
Pre-approval can often be obtained within a few business days once all supporting documents are submitted. Full (unconditional) approval typically follows within 3–10 business days after a property is purchased, depending on the lender's assessment process and valuation turnaround.
Depending on the nature and age of any adverse credit history, there may be lenders on our panel who consider your application. Non-bank and specialist lenders sometimes have broader credit policies than the major banks. We'll give you an honest assessment of your options.
Yes. We assist clients across all states and territories — including Norwood, Unley, Glenelg, Burnside, Henley Beach, Prospect, Walkerville, Mount Barker and beyond. We can meet in person at our office or assist remotely.
Our team of brokers is happy to talk through your situation — with no obligation and no pressure.
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No-obligation assessment. We compare options across our lender panel on your behalf.
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