Your Next Move. Sorted.

Hobart Mortgage Brokers Helping Families, Investors and First Home Buyer

Whether you’re buying your first home, investing, or refinancing, our Hobart-based brokers will tailor the perfect loan solution for your unique needs.
TASMANIAN FINANCE SPECIALISTS

How can we help?

Home loans

Buying your first home or already planning your next one? Whatever you're working towards, we are here to help you secure the right loan for your next chapter.

Refinancing options

Is it time to refinance your home loan? Here’s how you could get more from your home loan

Investment loans

We’ll help you secure a tailored loan to assist you in maximising your investment potential. A win for you is a win for us.

Construction loans

Planning to build a home that is truly your own? Let us help lay the financial groundwork to bring it to life.
READY TO GET STARTED?

Local mortgage advice, built around you

Tell us a bit about your situation and we’ll take it from there. We'll help you find a loan that works for you in the Tasmanian market.
No obligation to proceed.
YOUR GUIDES IN BUYING YOUR FIRST HOME

Buying your first home in Tasmania

Stepping into home ownership is a milestone but it can also feel like unfamiliar territory at first. With so much to work through, it is easy to feel uncertain. That's exactly where Fortify Loans approaches home lending.

You could think of us as your mortgage ‘coach.’ As such, we help you sort through the lending options in front of you.

Wondering if now is the right time to buy your first home? See how much you could borrow below.

a model of a house with a car parked in front of it
Uniquely local

Your Tasmanian team of mortgage problem solvers

Fortify Loans was built around the idea that lending should not feel boxed in. We specialise in helping clients secure a mortgage loan that fits their needs now and still makes sense for what lies ahead. Because no two situations are the same, the right solution should be shaped around you.

Every borrowing situation also comes with its own roadblocks. As mortgage problem solvers in Tasmania, we help you cut through the noise to focus on what will actually work.
SETTING THE STANDARD

A Name Backed By Experience

Loads of Options

We compare thousands of loan options from 70+ lenders then narrow them down to a few that actually suit you. We do the digging, you get the direction.

Rapid Response

We value your time and aim to get back to you within hours, seven days a week. No more long waits.

Fast-Tracked Application

We take care of the details behind the scenes. That way, securing your property or refinancing feels quicker from the start.
Get started today

Finance Solutions Shaped for Tasmanians

We understand circumstances change from individual to individual. We look to offer finance and loan support for all Tasmanians, including:

Tasmanian First Home Buyers

We help first home buyers move through the buying process with transparency. Along the way, we also help uncover exclusive government grants and incentives that could help you get there sooner.

Medical Professionals

Medical professionals often need lending that takes more into account. We help find loan options that align with your profession plus the direction you are working towards.

Tradies & Self-employed

A more flexible lending approach is often needed by tradies and self-employed borrowers. We make finance easier to move through, with lending options shaped around how you earn.
FAQs about tasmanian financing & home loans

Things people often ask about

Once you start looking into loan options, you’ll probably find it gets confusing pretty quickly. Don’t stress, though; we’ll run through some of the common questions to make things easier for you to understand.

Your borrowing amount is based on several factors, such as:

  • Income and Employment: Lenders look at your income first. They look at how stable your job is as part of the process. From there, they review your work history to get a clearer idea of how much you can borrow.
  • Expenses and Debts: Your regular expenses or any existing debts (like credit cards, car loans, etc.) will also be considered when assessing your situation.
  • Credit Score: A good credit score can increase your borrowing power. This is because it shows lenders that you're a reliable borrower.
  • Loan Type and Terms: Factors like fixed or variable rates the loan term can influence how much you’re able to borrow.
  • Deposit and Equity: This is the amount of deposit you have available or the equity in your current property. It can also impact the amount you can borrow.

Looking for quick numbers? You can use our borrowing power calculator. You can also chat with one of our friendly Fortify Loans brokers who can provide guidance based on your situation.

Equity is the difference between what your home is worth and what you still owe on your loan. If your home is worth $600,000 then your remaining loan is $400,000. Here, your equity is $200,000.

To access your equity, you can apply for:

Home Equity Loan: Borrow a lump sum using your equity as collateral. You will repay it with fixed monthly payments over a set term.

Home Equity Line of Credit (HELOC): Similar to a credit card, you can borrow as needed up to a certain limit. As such, you will only pay interest on what you use.

Refinancing: Replace your current mortgage with a new one for a higher amount, effectively cashing out your equity.

LMI stands for Lender’s Mortgage Insurance. This protects the bank in case you default on your home loan. This is an additional charge, typically if your deposit is less than 20% of the purchase price. If you want to buy a property for $500,000 and have a $50,000 (10%) deposit, the bank may charge you LMI. LMI is a once-off payment, and can often be added to your loan amount.

LVR stands for Loan to Value Ratio. This is the amount of money that a bank will lend you based on how much the property is worth. For example, an 80% LVR means the lender will cover 80% of the property’s value. So if the property costs $500,000, the loan would be $400,000. As such, you’d need to contribute the remaining $100,000 as your deposit.

Absolutely not. Our service is complimentary plus we have access to more choices (over 70 lenders) than what a single bank can provide. So with us, you get more options to tailor a solution better to your wants and needs. Also, as brokers, we are governed by a thing called “Best Interest Duty” (BID) ensuring we are always acting in the best interest of our clients.

Before we do anything serious, we will get you to sign off on our Privacy Policy and our Credit Guide. Everything is available via your home loan portal. Each can be signed via a secure digital signature online.

Yes. Fortify Loans is proudly based in Tasmania. Our brokers support clients across Hobart and regional areas every day. That gives us a better understanding of how things work in the local market. It also means we’re familiar with lending policies along with state-specific grants and incentives.
DON’T JUST TAKE IT FROM US

Things people say about us

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Kim Woulleman profile picture
Kim Woulleman
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Riley May at Fortify is fantastic. He made the whole process of refinancing so simple for us. His friendly nature and an abundance of patience when it came to my many questions was amazing. Thanks Riley 😊
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Tegan Hailey profile picture
Tegan Hailey
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I couldn’t be happier with the service we received from Kaya at Fortify Loans. From the very beginning, he was professional, knowledgeable, and incredibly responsive. We were working against a tight deadline to have everything finalised before the end of the financial year, and he went above and beyond to make it happen. I highly recommend his services. Thanks again for making it happen!
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brit jenkins profile picture
brit jenkins
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We recently worked with our financial adviser Cam to refinance an existing commercial loan and structure it alongside our new investment loan. The advice and support throughout the process were outstanding.
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Linc Reynolds profile picture
Linc Reynolds
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I was recommended Cam Brumby by a mutual friend, and it is genuinely hard to put into words just how good he was throughout the entire process. Cam helped navigate tricky visa issues, lender complications and guarantor requirements, all on very short notice. That saga alone would have been enough for a five star review. On top of that, I unknowingly brought an incredibly difficult ( putting it lightly ) conveyancer into the process which made the final few weeks before settlement far more stressful than they needed to be. Cam was forced to deal with problems that really were not necessary nor part of his job description and handled it with complete professionalism, patience and persistence. He went above and beyond effectively guiding the process through to the very end when I was completely lost and unsure what to do ( along with my conveyancer…) I can honestly say I would not have ended up with our house if it were not for Cam’s help. He was also incredibly responsive and upbeat throughout everything. Over Easter, weekends and while he was away. I must have emailed him what felt like a thousand times and he always got back to me quickly and calmly. Writing this review doesn’t do justice to just how helpful, approachable and reassuring he was. I hope whoever reads this has a smoother case than mine but if your situation is difficult or complicated I can guarantee you will be in the best possible hands with Cam. I cannot recommend him highly enough.
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Hayden Miller profile picture
Hayden Miller
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Can’t rate Riley highly enough, always more than happy to help! He is knowledgeable and reliable, wouldn’t go past his services!
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jake vincent profile picture
jake vincent
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Kaya was awesome to work with. He provided real time updates and every question we had he supported us through. The loan we required was somewhat complex but Kaya did a great job of keeping us informed and clearly explaining our options.
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Sidney Vincent profile picture
Sidney Vincent
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We recently refinanced through Kaya and honestly couldn’t recommend him more highly. He made the entire process feel incredibly easy and stress-free — definitely the smoothest refinancing experience we’ve ever had. He was professional, friendly, laid-back, and kept us updated regularly throughout the whole process so we always knew what was happening. Nothing ever felt too hard and he was always happy to answer questions. Such a genuinely nice guy and someone we’d happily recommend to anyone looking for a mortgage broker!
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Jordan Cooke profile picture
Jordan Cooke
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Kaya Geale from Fortify Loans was amazing throughout the entire process of buying our first home. Great communication went above and beyond to contact us, real-estate agents and conveyancers whenever required! Gave us great information and ideas that best fit our position! Thanks again, will definitely recommend to anyone looking for a loan to here!
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misssstars profile picture
misssstars
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We cannot recommend Kaya highly enough! Kaya has been our broker since we purchased our first home three years ago, and from day one he has gone above and beyond for us. Even after settlement, he continued checking in every six months to see how we were going, knowing our long-term goal was to purchase an investment property. That level of genuine care and ongoing support is something you rarely find. Most recently, Kaya helped us refinance and secured us an unbelievable interest rate that we honestly didn’t think was possible. We are now in the planning stages of purchasing an investment property in the next 12 months, and we wouldn’t trust anyone else to guide us through that process. No question was ever too silly, and Kaya always took the time to explain everything clearly in a way we could understand, making what can be a very overwhelming process feel simple and stress-free. He even went the extra mile to assist us in finding a great insurance company for our home insurance — proof that he genuinely cares about helping his clients beyond just the mortgage side of things. If you are looking for a broker who is knowledgeable, responsive, patient, and truly invested in helping you achieve your financial goals, Kaya is your guy. Highly, highly recommend!
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Victoria Ling profile picture
Victoria Ling
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Kaya was fantastic to work with throughout the whole process. He was incredibly honest with his recommendations when it came to different banks, which made it much easier to feel confident in the decisions I was making. He was also very prompt in getting back to me whenever I had questions, which I really appreciated. What stood out most was how well he explained everything—he broke down complex concepts in a clear and simple way, helping me understand my options and make informed choices. On top of that, he has great contacts and was able to connect me with the right people for other aspects of purchasing a property. I’d highly recommend Kaya to anyone looking for a reliable, knowledgeable, and supportive broker.

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.
*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.