Whether it's your First Home, Next Home or Dream Home, we're on your side

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you. 

When looking at different Home Loan Options, it's important to understand some of the key loan attributes: 

  • Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest. 

  • Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on. 

  • Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary. 

  • Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget. 

We're a proud member of the Mortgage and Finance Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

Our Recent Reviews

We recently used Tom as our broker for the refinance of our home. The entire process was seamless, professional and efficient. Tom was friendly and knowledgeable, quick to action and respond to queries and chose the best bank for our situation. We will be recommending Tom and the team at G&T Finance.

Brooke Burns

Would recommend 100 times over. Tom was extremely thorough and patient with me, which I appreciated greatly as a first home buyer. Previous brokers I had spoken to didn’t bother to look into the different schemes I was eligible for which ...

XhimomX

Gemma was amazing and took all the stress out of refinancing our loans. She took us through the process step by step and made the whole thing stress free. She has saved us thousands and we are very grateful for her help. We would recommend Gemma to anyone!

Kim Morcom

Tamara Alex, Liam and I want to say a huge thank you to you for all your help with getting finance for us so as to be able to purchase our house... We have no hesitation in recommending Tamara from G&T Finance for financial help and advice..... Thanks so very much Tamara ????

Tania Welton

Frequently Asked Questions

Does G&T Finance help self employed borrowers get a loan?

Absolutely! Self employed borrowers are one of our specialties. We will work with you and your accountant where possible, to find the right solution and help you achieve your financial goals.

Does G&T Finance charge any fees, or are there any hidden costs when getting a loan?

For most loans we are paid by the lender and not by our customer. We will on some occasions charge a credit assistance fee and this will be advised to you up-front. All lender fees are disclosed up-front in your loan contracts.

Can G&T Finance help first home buyers get their first home loan plus access any grants and incentives?

We love helping first home buyers get into their home sooner. Check out our home buyer accelerator to get all of the information you need to get there. We will even check your eligibility and help you complete and submit the forms for any first home buyer benefits available.

Can G&T Finance help with your home loan and investment loan?

Whether it be buying your dream home or refinancing to build an investment portfolio our approach ensures you will get have the best long term solution. With our expertise and panel of over 50 lenders we will ensure you have the best structure and product to meet your goals.