Home Loans – Find the Right Home Loan & Refinance Strategy
Buying a home is a big decision. Whether you’re purchasing your first home, upgrading, building or refinancing, HQ Mortgage can help you explore home loan options that suit your needs and financial situation. We work with a range of lenders to help you compare available options, understand your borrowing capacity and navigate the loan application process.
Interactive Refinance Savings Estimator
Enter your current loan balance and compare your current rate against potential lower interest rates to estimate your monthly and annual repayment savings.
Home Loan Options in Doncaster East & Beyond
First Home Buyers
Buying your first home can feel overwhelming, especially when it comes to deposits, borrowing capacity and choosing a suitable loan. We can help you understand your options, compare available home loans and explore whether a government home-buying scheme may be available to you.
Buying Your Next Home
Whether you’re upgrading, downsizing or moving to a new area, we can help you explore finance options for your next property. We’ll consider your circumstances, existing commitments and the funds available from your current property.
Home Loan Refinancing
If you already have a home loan, it may be worth reviewing your current interest rate, repayments and loan features. We can help you compare refinancing options and understand the potential costs and benefits before making a decision.
Building or Renovating
Planning to build a new home or undertake major renovations? We can help you explore suitable finance options, including construction loans where available.
Owner-Occupied Home Loans
If you’re buying or refinancing a property to live in, we can help you compare loan options based on your deposit, income, expenses and preferences.
Request a Free Home Loan & Refinance Review
Find out if you can lower your monthly repayments, secure a better interest rate, or release equity in under 60 seconds.
How HQ Mortgage Can Help
As your mortgage broker, we can help you:
- Understand your borrowing capacity.
- Compare available loan options from different lenders.
- Review interest rates, fees and loan features.
- Understand deposit requirements and upfront costs.
- Prepare and submit your loan application.
- Communicate with the lender throughout the application process.
Our aim is to make the process clearer and help you make an informed decision.
Why Choose HQ Mortgage?
- Personalised Support: Every borrower has different goals and financial circumstances. We take the time to understand what you’re looking for before exploring suitable options.
- Access to Multiple Lenders: We work with a range of lenders, giving you options to consider rather than relying on a single bank.
- Support Throughout the Process: From your initial enquiry to application and settlement, we help you understand the steps involved and keep you informed along the way.
- Local Service, Australia-Wide: Operating from Doncaster East, Victoria, HQ Mortgage assists customers in Melbourne and across Australia, subject to service availability and lender requirements.
What Do You Need to Apply for a Home Loan?
Depending on your circumstances and the lender, you may need:
- Identification documents.
- Recent payslips or other income evidence.
- Tax returns and financial statements if you’re self-employed.
- Bank statements and details of existing debts.
- Information about your deposit and assets.
- Details of the property you intend to purchase or refinance.
Don’t worry if you haven’t gathered everything yet. We can explain what’s needed for your situation.
Frequently Asked Questions
How much can I borrow for a home loan?
Your borrowing capacity depends on factors such as your income, living expenses, existing debts, deposit and the lender’s assessment criteria. We can help you understand your potential borrowing range.
How much deposit do I need?
The deposit required depends on the lender, the property and your circumstances. Some eligible buyers may have access to schemes that reduce the deposit required. Other options may involve lenders mortgage insurance or additional conditions.
Can I get a home loan if I’m self-employed?
Yes, self-employed borrowers may have home loan options. Lenders generally assess business income and financial documents, with requirements varying between lenders.
Should I refinance my existing home loan?
Refinancing may help you access different rates or features, but it can also involve fees and other costs. We can help you compare the potential benefits and costs of available options.
Can HQ Mortgage help if I have an existing loan with another bank?
Yes. We can review your circumstances and explore refinancing or other suitable options, subject to lender eligibility and assessment.
Do I need to visit your office?
No. You can contact us by phone or online. Our office is located at 10/857 Doncaster Rd, Doncaster East VIC 3109, and we can assist customers locally or across Australia.
Ready to Explore Your Home Loan Options?
Whether you’re buying your first home, purchasing your next property or reviewing your current loan, HQ Mortgage is here to help you understand your options. Contact HQ Mortgage today to get started.
- Phone: 0433 371 658
- Email: finance@hqmortgage.com.au
- Office & Postal Address: 10/857 Doncaster Rd, Doncaster East VIC 3109
- Website: https://hqmortgage.com.au
Important Credit & General Advice Disclaimer:
Information Current as at October 2026. The information provided on this website and within our refinancing calculators is general in nature and is provided for educational and illustrative purposes only. It does not constitute credit, financial, taxation, or legal advice, nor does it take into account your individual personal objectives, financial situation, or specific needs.
Credit Assessment & Lender Eligibility: All applications for home loan financing, rate reviews, debt consolidation, and refinancing are subject to individual lender assessment, verification, credit criteria, and final approval. Terms, conditions, interest rates, government fees, and bank charges apply and are subject to change without notice. Estimated savings generated by on-page calculators do not constitute an offer of credit, a loan quote, or a guarantee of approval or rate availability.
HQ Mortgage Service Disclosure: HQ Mortgage operates as a trading name of INRIM Consulting Group. Before making any financial or borrowing decisions, we recommend consulting directly with an accredited HQ Mortgage broker to obtain a tailored Assessment and Credit Quote based on your unique financial circumstances.