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.

Apply for a Home Loan


        
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No impact on your credit file

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

Purchase and subdivision of land

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

Home Loans

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.

Development & Construction Finance

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.

Business Loans Services

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?

Our specialty is finding the best home loans for people with low documentation, self-employed or with bad credit. Let’s talk about purchasing a home.

apply online

1. Apply Online

Our form takes less than 30 seconds and won't impact your credit score.

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2. Let's Talk Finance

Once we get your enquiry, we will call to clarify details and get to know you.

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3. Upload Documents

You will need to upload your documentation so we can verify your information

sign loan offer

4. Sign Loan Offer

Once your loan is approved, check and sign your loan offer.

Loan funds transferred

5. Funds Transferred

Funds can be transferred in as little as 48 -72 hours from loan approval.

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.