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Home loans

Helping Guide Tasmanians Towards Home Ownership

At Fortify Loans, our goal is to make property ownership easier to understand and more within reach for Australians. We are here to help explore loan options that work for you.

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SUPPORT AT EVERY STAGE OF YOUR HOME OWNERSHIP JOURNEY

Which best describes your current situation?

I want to buy my first home but don’t know where to start.

We’ll take you through the grants available, along with loan options that may suit your situation.
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I want to see what’s available before speaking to a broker.

We can show you loan options upfront. That way, you can take your time and plan ahead before having a conversation.
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I'm ready to chat to a broker today

Let’s talk through your situation to find what fits. We’ll help you find a loan that works.
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A HOME LOAN, TAILORED TO YOU

We Help You Move Closer To Homeownership

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Buying your first home

For many people, buying a first home is such a big moment. This is why it's essential to understand how everything comes together before you commit. We can help with:

  • Access first home buyer incentives
  • Low-deposit home loan options
  • Expert guidance from start to settlement
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Buying your next home

Moving into your next home comes with more moving parts, especially when it comes to timing or finances. As such, we’ll go through your options, like bridging loans or offset accounts. We’ll also focus on:

  • Loan options suited to your needs
  • Ways to access your equity
  • Advice customised to your needs
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Property Investment Loans

A strong investment begins with choosing the right loan structure. If you’re new to investing or growing your portfolio, we’ll help you find loan options that keep your costs manageable. This is while giving yourself room to grow over time. We can help with things like:

  • Competitive rates/flexible loan structures
  • Unlock equity for new investments
  • Maximise tax benefits and rental yields
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Borrowing power Calculator

I want to calculate how much I can borrow

Suss out your borrowing capacity so you can start planning that purchase.
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Stamp duty Calculator

I want to calculate the stamp duty I will have to pay

Estimate how much stamp duty you could have to pay so you can make your dream home a reality
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More expert ways we can help

Expert solutions to help you manage, grow, and protect your financial future.

Building Finance

If you’re planning to build, the way your loan is set up becomes more important. By looking at the right options at the right time, you can improve your position over the long term.
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Refinance

Over time, better loan options can become available. This is why reviewing your loan can open up opportunities to reduce costs. In some cases, you can adjust how your repayments are structured.
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Home equity loans

If you’ve built up value in your home, that can be used to access additional funds. By knowing how much equity you have, you can use it to your advantage.
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HOME LOANS MADE SIMPLE

Buying your first home with Fortify Loans

Thinking about buying your first home in the next 12 months? Let’s make it simple. We help first home buyers understand their options and navigate the process with confidence.
Our team can help you calculate your borrowing power and show you what’s possible based on your income, savings, and goals.

  • Clear, expert guidance
  • Access to government schemes
  • Support from loan application to settlement

Know where you stand and what you can afford.

Getting my first home
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HELPING TASMANIANS TOWARDS HOMEOWNERSHIP

It’s the little things that make all the difference

Fast comparisons

We look across a wide range of lenders to narrow things down for you. We review options across 70+ lenders, then filter them to three choices that suit your situation.

Personalised assistance

Tired of waiting for days to hear back? We stay responsive to make sure you always know what’s happening next.

Simplified Application

With all the tricky paperwork, some loan applications can feel like a lot to handle. Because of this, we streamline the application process for you to avoid unnecessary delays.
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FAQs

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.

  • Income and Employment: Lenders look at your income first. They look at how stable your job is as part of the process. They then look at your work history to see 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: Things like your loan term, plus fixed or variable rates, can affect how much you may be able to borrow.
  • Deposit and Equity: This is the amount of deposit you have 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.
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 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.
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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.

HELPFUL LINKS

First Home Buyers

Refinance

Home Loans

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info@fortifyloans.com.au
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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.