Talk to a broker
Your Next Move. Sorted.

We search 1000s of loan options across 70+ lenders (so you dont have to).

Our Brokers are here to find you a loan to suit your needs, no matter what your situation; low deposit, split loan, construction, debt consolidation and more.
TALK TO A BROKER
Find a loan
hico-first-home-buyer-2

Loads of Options

Our expert brokers quickly review thousands of home loan options from 70+ leading lenders, narrowing down a choice of three options, tailored to your unique situation. Achieve your financial goals faster with our efficient service.
hico-comprehend-settlement

Rapid Response

Tired of waiting for days to hear back? We value your time and aim to get back to you within hours, seven days a week. Experience prompt, reliable service that keeps you informed every step of the way.
4Cs-icon

Fast-Tracked Application

We streamline the application process, handling all the tricky paperwork for you. From start to finish, we work quickly to secure your property or refinance your loan, ensuring a smooth and speedy experience.
YOUR LOCAL BROKER

Your Trusted Mortgage Problem Solvers

At Fortify Loans, we’re not your typical mortgage brokers. We see ourselves as mortgage problem solvers - dedicated to untangling complexities and creating tailored solutions. Whether you’re expanding your property portfolio, buying your first home, or seeking loan approvals, we’re here to guide you. We thrive on challenges and understand that not every financial goal fits neatly into a box.

Let’s fortify your financial future together!
YOU HAD ME AT HELLO
ZIP, ZILCH, NADA

We'll compare thousands of loan options from 70+ lenders at ZERO cost to you.

At Fortify Loans we free you up to find your home, while we find your loan. We free you up from mountains of paperwork and we free you from banky jargon. So it just makes sense that talking to us won’t cost you a thing!

How is this all possible? Well, we get paid by the bank when we settle your loan. So when you're happy, we are too.
Man and Woman Standing on Green Grass
FAQs

Things people often ask about

LVR, LMI, comparison rate, interest only, conveyancing and more! When we were researching our home loan options, we kept seeing all this jargon everywhere. Everyone else seemed to know what LMI meant but we…erm.. weren’t so clear. We’ve created a whole page for people like us that like their answers without a side of gobbledygook.

The amount you can borrow depends on several factors, including your income, expenses, existing debts, and the type of loan you're seeking. Here's how it typically works:

Income and Employment: Lenders will look at your gross income, job stability, and employment history to determine your borrowing capacity.

Expenses and Debts: Your regular expenses and any existing debts (like credit cards, car loans, etc.) will be considered to understand your financial commitments.

Credit Score: A good credit score can increase your borrowing power, as it shows lenders that you're a reliable borrower.

Loan Type and Terms: The type of loan and its terms (fixed or variable rate, loan term, etc.) will also impact how much you can borrow.

Deposit and Equity: The amount of deposit you have saved or the equity in your current property can affect the loan amount.

If you just like quick numbers, use our borrowing power calculator or chat with one of our friendly Fortify Loans brokers who can provide personalised guidance based on your unique situation.

Equity is the difference between the current market value of your property and the amount you still owe on your mortgage. For example, if your home is worth $600,000 and you owe $400,000, your equity is $200,000.

To unlock your equity, you can:

Home Equity Loan: Borrow a lump sum using your equity as collateral. You'll 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 and 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.

Each option has its benefits, so it's best to discuss your situation with one of our Fortify Loans brokers to find the right fit for you.

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 $50,000 (10%) saved for a 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. 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 bank is willing to lend up to 80% of what the property is worth. If you’re buying a property for $500,000, an 80% LVR loan is $400,000. In this example, you would need to have $100,000 (20% of $500,000) saved up for a 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… something that banks aren’t governed by.

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 and can be signed via secure digital signature online.

LOAN COMPARISON SITES ARE SO LAST YEAR...

We find you three great rate, tailored home loan or refinance options in seconds

With access to loan options from 70+ lenders we can show you three options that match your criteria, fast. It costs you nothing and is zero obligation. Let's go.
Find My Loan
  • Privacy Secured
  • Takes <60 seconds to apply
  • Won't ding your credit score

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.

CONNECT WITH US

03 6184 7127
info@fortifyloans.com.au

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.