Lending Association

Want to Save $1000s on Your Mortgage?

Whether you're a first-time buyer or want to refinance at a lower rate, we can help.

Use our home loan calculators

Lending Association is one of the largest home loan providers in Australia. With over a decade of experience, we have earned a reputation for building long lasting client relationships through a highly personalised approach to home loan lending solutions. There are so many options to choose from, choosing the best home loan can be a challenge. Our team of experts will take care of your home loan from start to finish giving you the reassurance of expert home loan advice and ongoing support.Lending Association are committed to maintaining the utmost level of professionalism and integrity, delivering the best home loan solutions to our clients every day.

Use Our Powerful Home Loan Calculators to
Know Your Options

Let our experienced team of Mortgage Advisors guide you through the buying or
refinancing process quickly, efficiently, and confidently.


Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?


Your Borrowing Power

Learn how much money you can borrow based on your financial conditions


Home Loan Repayments

Calculate your minimum monthly home loan repayments and the effect of making extra repayments.


Stamp Duty

Figure out the stamp duty you need to pay on your property acquisition  in your state or territory.


Early Payoff

Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.


Rent or Buy

Take advantage of your home’s equity with a cash-out refinance — and put your home loan to work for you.

Know Your Options &
Get Pre-Approved with

Our Quick & Easy Tools

Looking to purchase a home

Find out how much home you can afford by getting pre-approved for your next home loan now.

Interested in refinancing options

This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.

Looking for an investment property?

Browse today’s rate comparisons to see which individual mortgage terms make the most sense for you.

Your Home Loan Could Be
Fully Funded 30 Days From Now

Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with Lending Association for your home loan or refinance, you can get your money and do what you want with it – usually in less than 30 days.

Pick the Right Home
Purchase Loan for You

Pick the Right Home
Purchase Loan for You

Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We're here to help you make that choice.
Get Started Now

Accomplish Your
Strategic Refinance

Accomplish Your
Strategic Refinance

Want some financial wiggle room? Planning to upgrade your home? We'll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.
Get Started Now

Shop Around for the
Best Rate

Shop Around for the
Best Rate

As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you're getting the best deal and the right-fit terms.
Get Started Now

Our Lenders

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What makes Lending Association
home loans great?

A great home loan, also known as a mortgage from the best mortgage broker in Sydney, is one that is well-structured, transparent, and aligned with the borrower’s financial situation and goals. Here are the key features and aspects that make a Lending Association home loan great:

Competitive Interest Rates:

The best Sydney mortgage broker offers competitive interest rates that are in line with or lower than market rates. Lower interest rates result in lower monthly payments and less interest paid over the life of the loan.


Flexible Loan Terms:

The best mortgage broker in Sydney provides a range of loan term options (e.g., 15, 20, 30 years) to allow borrowers to choose a term that fits their financial situation and long-term goals.


Clear Fee Structure:

The best mortgage broker in Sydney transparently outlines all fees, charges, and costs associated with the loan, including origination fees, closing costs, and any potential penalties. Clear disclosure helps borrowers understand the financial implications of the loan.


Low or No Prepayment Penalties:

We Minimize or eliminate prepayment penalties, allowing borrowers to pay off the loan early without incurring excessive fees, providing more financial flexibility.


Variety of Loan Programs:

We offer various loan programs such as fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and USDA loans, allowing borrowers to choose the most suitable option based on their circumstances.


Transparency in Documentation:

We clearly explains all terms and conditions in loan documents, making sure borrowers understand the loan terms, repayment structure, interest calculations, and potential changes in payments for adjustable-rate mortgages.


Protection from Payment Shock:

We Provide mechanisms like rate caps and rate adjustment limits for adjustable-rate mortgages to protect borrowers from sudden, significant increases in monthly payments.


Access to Online Account Management:

We offer an online portal or application for borrowers to easily access and manage their loan account, make payments, view statements, and monitor their loan’s progress.


Option for Refinancing:

We allow borrowers the opportunity to refinance their loan to take advantage of better interest rates or change their loan terms to better suit their financial situation over time.


Clear Communication and Customer Support:

The best mortgage broker in Sydney Provides clear, prompt, and reliable communication throughout the loan process. Offers exceptional customer service to address queries, concerns, and provide assistance at every stage.


Alignment with Financial Goals:

Tailors the loan to align with the borrower’s financial goals, whether it’s to buy a first home, upgrade to a larger home, or invest in real estate, ensuring the loan supports their objectives.

A great home loan from the best mortgage broker in Sydney. we enable the borrower to secure a home with terms and conditions that match their financial capabilities and aspirations while promoting financial stability and growth.

Home Loans: FAQ

A home loan, also known as a mortgage, is a financial product that allows you to borrow money from a lender (usually a bank or a mortgage company) to purchase a home. You then repay the loan over a specified period, often in monthly installments.

You apply for a home loan, and if approved, the lender provides you with the funds needed to buy a home. You repay the loan over a fixed term, often 15 to 30 years, including principal and interest.

A fixed interest rate remains constant throughout the loan term, providing predictable payments. A variable interest rate, also known as an adjustable rate, can change over time, typically in response to changes in a benchmark interest rate.

The minimum down payment varies by country and lender but is usually a percentage of the home’s purchase price, often around 20%. Some loan programs may require a lower down payment, but they might come with other conditions like private mortgage insurance (PMI).

PMI is typically required when a borrower makes a down payment of less than 20% of the home’s purchase price. It protects the lender in case the borrower defaults on the loan. Borrowers pay PMI until they have built enough equity in their home.

A pre-approval is a preliminary commitment from a lender, stating that they are willing to lend you a specific amount for a home purchase. It helps you understand your budget and makes you a more attractive buyer to sellers.

Closing costs are the fees and expenses associated with the home loan and the real estate transaction. They can include fees for the lender, title insurance, appraisal, and more. Buyers typically pay these costs at the closing of the loan.

Yes, you can refinance your home loan to get a lower interest rate, change the loan term, or tap into your home’s equity. Refinancing can help you save money or achieve specific financial goals.

Missing a home loan payment can lead to late fees and negatively impact your credit score. If you consistently miss payments, it could lead to foreclosure, where the lender takes possession of your home.

You can pay off your home loan faster by making extra payments, making bi-weekly payments, or refinancing to a shorter loan term. Each additional payment reduces the principal, which shortens the loan term.

A conventional loan is not insured or guaranteed by the government, while an FHA (Federal Housing Administration) loan is. FHA loans typically require lower down payments but come with certain restrictions and mortgage insurance requirements.

In many countries, there are tax benefits to having a home loan. You may be able to deduct mortgage interest and property taxes from your taxable income. Consult a tax professional for specific details.

The required documents can vary, but generally, you’ll need proof of income, bank statements, tax returns, and information about your debts and assets. Your lender will provide a specific list.

Some home loans have prepayment penalties, so it’s important to check your loan terms. Many loans, however, allow you to pay them off early without penalties.

When you pay off your home loan, you’ll receive a satisfaction of mortgage document, and the lender will release its claim on your property. You’ll own your home free and clear.
It’s essential to research and understand the terms and conditions of a home loan before committing to one, as they can vary significantly between lenders and countries. Always consider seeking advice from financial professionals when making significant financial decisions like getting a home loan.

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