Home loans for home buyers and investors
Whether you're buying your dream home or building a property portfolio, choosing the right home loan can make a big difference. At h2o Loans, we tailor solutions to your goals — from first home ownership to strategic investments.
For First Home Buyers
Taking the first step onto the property ladder? We simplify the process with expert guidance, helping you access government grants, secure low deposit options, and understand your borrowing power.
- Access to first home buyer incentives and concessions.
- Support with budgeting and pre-approval.
- Personalised advice from application to settlement.
For Property Investors
Looking to grow your wealth through property? We help investors find competitive rates, structure loans for tax efficiency, and explore options like interest-only or offset accounts to maximise returns.
- Flexible loan structures to suit your investment strategy.
- Insights on rental yield and cash flow impact.
- Options for equity release and portfolio expansion.
No matter your property goals, h2o Loans is here to simplify the process and find the right loan for your future. Let’s get you moving.
Calculators
Buying a Property for yourself
or as an Investment
Whether you're purchasing your first home, upgrading, or entering the property market as an investor, navigating finance can feel overwhelming. That’s where we come in.
At h2o Loans, we simplify the lending process by comparing multiple lenders, negotiating competitive rates, and guiding you from application to settlement — all tailored to your property goals.
We are here to help you through the process
80%
Covered
Government Scheme for
The Australian Government offers a range of schemes to help eligible home buyers get into the market sooner — including reduced deposit requirements, stamp duty concessions, and shared equity programs.
At h2o Loans, we'll help you understand which schemes you may be eligible for, guide you through the application process, and ensure you make the most of the benefits available. Let us simplify your journey toward homeownership
Hear what people say about Us
"“I Was Surprised About The Speed Of The Approval”"
"“When Your Mortgage Approval Was Super Fast”"
"“When Your Client Called You At 8PM”"
"“What Our Clients Said Was Unbelieveable”"
"“We Finally Got Our Dream Home”"
"“We Were Confused, It Was Our First Time”"
Find the best finance solution that's right for you.
Speak to a finance expert today
We work together, as a
seemless team to help
you on your journey
At h2o Loans, we believe that buying a home or investing in property should never feel overwhelming. That's why our brokers, loan specialists, and support staff collaborate closely with you — making the process clear, fast, and stress-free. From application to settlement, we're with you every step of the way.
