Easy Home Loans

Whether you are looking to upsize, downsize or invest, need a loc doc loan or you have bad credit ALC have a wide range of home loans to suit most situations.
No impact on your credit score

Low-Rate, Bank Alternative Home Loans

 We find the most competitive home loan rates to first home buyers, the self-employed (including low doc loans), property investors and those simply wishing to refinance an existing loan.

Perfectly Tailored Home Loans

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First Home Buyers

Realising the great Aussie dream is exciting. Australian Lending Centre are first home buyer experts and put you on the path to buying your first home

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Purchase Your Next Home

When you are ready to upgrade, we are here to help. We understand that it can be a stressful experience, so we will help guide you through the process smoothly.

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Buying An Investment Property

Join many Australians who create wealth through investing in property. We have the home loan products to get you on the path to building your property investment portfolio.

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Bad Credit Home Loans

With bad credit, finding Finance to purchase a home can be challenging, but this is where we really come to the party. We find the right product at competitive interest rates.

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Self-Employed Home Loans

Being self-employed is challenging, but can be more so when applying for a home loan. Our home loan products cater to those who might now qualify for strict bank requirements.

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Home Loan Refinance

If you want a better deal or you want to free up the equity in your home to fund renovations or a life event, our refinance department is there to help you.

Finding Our Customers the Best Home Loans

Whether you are a first home buyer, adding to your property portfolio or just looking to refinance your existing home loan, we can find a solution to suit your needs.

Contact the Australian Lending Centre right away to hear about your options for a home loan. We offer no-obligation, complimentary assessments.

property loans to suit all of the following:

Supporting First Home Buyers

Your property is undoubtedly one of the biggest purchases that you will make in your lifetime. Finding the right first home is a great way to get started. At Australian Lending Centre, we help first home buyers each step of the way with great rate home loans!

Australian Lending Centre will go through the simple home loan application process with you. We look at whether or not you have a deposit, calculate exactly how much you need to borrow and the best repayment plan for your lifestyle and financial situation.

Many first home buyers often find the experience quite bewildering and stressful. The Australian Lending Centre team is available to help take you through the process and make it as easy as possible. If you are looking for a home loan, our certified specialists can give you the all information you require to make the best choice.

Get the aussie home loan of your dreams
Buy the home you love with an ALC Home loan

Self-Employed Home Loans

As your own boss, you usually work long and unpredictable hours. You may also have irregular income, and find it difficult to make time to organise your paperwork. Applying for a bank home loan can be overwhelming and discouraging, especially when you do not meet the bank’s many application demands – that’s why many find ALC’s loans for self-employed so attractive.

At Australian Lending Centre we’ve simplified the process for you with our special range of low doc loans which give you a better interest rate without the mountain of paperwork.

Property Investment And Renovation Loans

Home Loans for Property Investors

Are you thinking about buying an investment property or even renovating one that you already have? Property investment is a great vehicle for increasing your extra earning potential with the money that you already have. View our investment property loans page for more information.

Maximise Profits on Your Investment Property

Alternatively, if you are looking to renovate an existing property to improve it’s value, then we can set you up with an appropriate renovation home loan.

Buy the Aussie dream: your own home

How Do I Apply for a Home Loan?

Click the “Start Your Application” button. It is on the top right in the menu.

Select the type of loan that you want by clicking the button with the icon.

Step 3: Fill out the form icon

Continue through the form and follow through to the upload document prompts.

Step 4: Receive your money fast icon

If approved, the funds could be transferred to your account as little as 72 hours.

February 22, 2024
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Thank you soo much for all your kind help Chloe! You have been amazing to deal with and have simplified the whole process for me. Fabulous customer service 😃

February 22, 2024
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Great assistance & very professional

February 20, 2024
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Pat was so caring and empathic and gave me clear guidance on my best options!

February 19, 2024
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Pat was very helpful and easy to converse with. Thanks Pat!

February 17, 2024
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Chloe has been amazing very efficient and lovely to deal with. Thank you so much
February 16, 2024
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Pat was absolutely amazing ! Such an incredible help he has shown !

February 15, 2024
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This morning Pat contacted me to discuss my debts, he was extremely understanding and willing to find a solution to help me in many ways to have a stress free option to consolidate my debts. Pat valued my time and allowed me to be vulnerable and express my financial hardship. Thank you for all your help Pat!

February 14, 2024
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Very helpful took so much stress off my shoulders, didn’t think I’d be able to get out of the situation I was in. Great service

February 9, 2024
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Chloe was super friendly and helpful

February 8, 2024
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I dealt with Pat,
He was very professional and so nice to deal with. He explained everything so well and was amazing. Thanks again Pat

January 30, 2024
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Pat was fantastic, non-judgmental, answered all my questions clearly. He was friendly and warm, I could tell he actually cares about the people he is doing his best to help. 10 stars for Pat!!!

January 29, 2024
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Nothing less I would say about the customer service. The guy named PAT was really helpful and accommodating. He is really informative and would help you go through the process with transparency. Great experience and really a wonderful guy.

January 25, 2024
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He was very helpful and understand too notch employee

January 18, 2024
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Pat was super helpful, non judgemental, accomodating and compassionate. The exact ingredients of support I needed during this extremely difficult time for me. I am truly grateful to him beyond words.

January 17, 2024
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Chloe explained everything in detail, professional, compassionate and easy to talk to. She made me feel like a person, positive about everything. She is a great asset to the company.

January 16, 2024
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Chloe was absolutely amazing and super friendly!! Thank you!

January 15, 2024
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Chloe was very friendly, considerate and understanding. She was also extremely professional and handled my case with great efficiency.

December 20, 2023
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Was great to talk to would do it again if I had to

December 20, 2023
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Chloe was amazing! Transparent and honest and made me feel really comfortable through the whole process. For the first time in a long time I don’t feel so helpless.
Thank you again Chloe for your understanding and support!

December 18, 2023
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Chloe was fantastic to deal with, very professional!!

December 13, 2023
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Chloe was great! Great service and very friendly. Glad to find a solution

December 13, 2023
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Chloe was amazing to speak with. So kind and very helpful.

December 7, 2023
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A big thank you to Emma Jabbour 🙂 for exceptional customer service. Emma wanted to help me get a successful outcome to my enquiry. I look forward to doing business with Emma in the not too distant future. Many thanks, Daniela Marks

December 7, 2023
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Chloe was brilliant and super helpful

December 6, 2023
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Chloe was so supportive and understanding and didn’t make me feel stupid for my situation.

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

December 4, 2023
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Margarita was a pleasure to speak with, she made the process very easy and advised me everything I need to know and do. Very exceptional customer service :)

November 29, 2023
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Pat was very easy to talk too. I not big on taking on the phone, but pat made it easy experience. The way he explained everything for me made it easier for me to understand all the information he was giving me.
Thanks Pat.

November 28, 2023
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Pat was great, knew what he was talking about, very friendly. Couldn’t say a bad word about him.

November 28, 2023
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Was able to calm me down and feel less embarrassed about my debt.
Very helpful and well spoken, explained everything in detail to me, would highly recommend

November 27, 2023
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Isabel is a superstar. Very helpful, kind, understanding, empathetic and has that calm soothing voice. If anyone’s freaking out about their debts, Isabel will put you at ease.

She must have read the book ” Never Split the difference ” It’s a good book for persuasion. haha!

“Hakuna Matata – it means no worries for the rest of your debts”

Why stress, when Australian Lending Centre can take care of your stress for you? You’re not alone.

Talk to one of their consultants today.

November 27, 2023
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Would recommend. Excellent customer service. Willing to help anyone !!

November 24, 2023
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This year was really hard for me financially as a temporary resident. Living paycheck to paycheck due to being stuck in the payday loan cycle. I saw no way out and was in a perpetual state of pain. Pat was extremely compassionate and understanding, although theres not that can be done in my visa status, Pat went above and beyond to find a solution. I really want to thank Pat for bringing back a smile on my face by shedding light on my situation. Give that man a raise!

November 23, 2023
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Pat was very help full very go at helping ne each step very easy to talk to he dose a great job

November 23, 2023
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First time ever hearing or dealing with Australian Lending Centre and I can say, they’re probably the best staff I’ve ever had the pleasure of speaking with, especially my consultant Pat. He wasn’t just friendly but patient, understanding and very honest and that helped me a lot. Not sugar coating anything but allowing me to be honest and he was also honest with his responses clarifying reasons why and also honest with the outcome that was available to me. I initially wanted to get a consolidation debt loan but wasn’t able to due to the criteria of the lenders that I wasn’t eligible for however he offered me another solution that might be available to me, and this really made me happy. That there isn’t just one solution and that I wasn’t going to be turned away just like I had been by various lenders. I am very happy with Pat’s customer service, he was genuine and didn’t judge me with my credit history or circumstances which people in the financial industry do do sometimes but he didn’t. That means a lot.

November 22, 2023
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It was very easy and I felt relieved that I was able to talk to Margarita who understood exactly what I was g gong through. I was very happy and had exceptional service.

November 22, 2023
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Very informative and supportive, very easy and polite to talk to 🙂

November 20, 2023
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I was able to talk and share my struggles without being judged, very understanding and sympathetic towards my situation and wanted nothing more than to help me through this and see me succeed. Would highly recommend them to anyone.

November 18, 2023
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It was great to receive support and understanding from Pat. He helped me work through my situation and provided me with an option that I believe is going to really help me and my family. He has excellent in listening to my needs and responding positively to my requests. Thank you so much Pat for your professional guidance and support today.

November 17, 2023
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Quick call back and very informative with my options and crunched the numbers to give me an overview of my situation and next best step forward. Above all gave me a chance to explain my situation whilst not being judgemental made me feel comfortable that I’m making the right decision.

November 16, 2023
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Was very helpful, and helped me get everything sorted and was a very nice person to deal with.

November 16, 2023
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Pat helped me so much and I can’t believe how much this is helped me! Thank you so much

November 16, 2023
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Friendly, understanding and informative

November 14, 2023
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Excellent helpful and friendly person (PAT). He explained everything really well so you could understand exactly what happens and how it all works. Great 😃👍.
November 6, 2023
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Friendly, and took the time to help answer all the questions I had. Very patient and understanding.
November 1, 2023
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Pat was very help and very explanatory of the reasons why a certain product would be helpful for my future

November 1, 2023
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The mannerism and the way you are treated was excellent couldn’t ask for more then that I had a few options which was great I recommend Australian lending service to Everyone

October 31, 2023
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Definitely a people’s person. If i had to describe the experience, imagine going to your local doctor, with positive energy, knowing everything is goign to be okay. Furthermore, he is a great listener, but he adds layers of compassion with active listening, rather than, “just doin my job”.

October 30, 2023
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She was so understanding and amazing

October 24, 2023
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Chloe was very kind and understanding!
Made me feel very comfortable even though I feel very uncomfortable talking about my financial situation

Home Loan FAQ's

We have a selection of calculators to help work out how much you can borrow with your current income and financial obligations. Our borrowing power calculator is the best choice for finding this out.

Our online budgeting tool is a great way to see where your money goes, where you can cut back and discover says you can save money to find your path to the Aussie dream of home ownership.

To get your foot in the property market, we have lot of articles on our blog to help you on the path to home ownership.

We have our interest rates, variable and fixed, published on this website, so you can see the different levels of interest according to you specific situation and circumstances. 

Absolutely yes! we are dedicated to supporting the entrepreneurs of Australia and have home loan products that may be right for you. Ask about Australian lending Centres home loan products for the self-employed.

Yes! Each state has a slightly different scheme, so visit this portal, which has links to the first home buyers scheme for each state.