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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.
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
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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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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 
 
 
 
 Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google. 
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.

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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.