Turn Your Homeownership Dream into Reality
From the first step to settlement, Diamond Lending streamlines your home loan journey with expert guidance, lender access, and zero guesswork.
Tailored loan solutions to suit every stage of your property journey.
Whether you’re buying your first home, upgrading to your dream residence, investing for the future, or other plans, Diamond Lending offers expert guidance and access to loan options that match your unique goals.
First Home Buyer Loans
Helping you purchase your first home with low deposit options, government support, and step-by-step loan guidance.
Owner-Occupied
Flexible loan options for those buying a home to live in, including fixed, variable, and split-rate choices to suit your needs.
Investor Home Loans
Designed to help grow your property portfolio, with options like interest-only repayments and access to existing equity.
Buying a home is one of life’s biggest milestones.
Australia’s Trusted Financial Brokerage Firm
At Diamond Lending, a trusted financial brokerage firm, we make your home loan journey seamless and rewarding by connecting you with reliable home loan lenders across Australia. Whether you’re a first-time buyer, refinancing, or investing in property, our tailored mortgage solutions align with your financial goals.
How Diamond Lending Simplifies the Home Loan Process
From the first step to settlement, Diamond Lending streamlines your home loan journey with expert guidance, lender access, and zero guesswork.
Step #1
Simplifying Your Home Loan Process
🏠 Personalised Financial Assessment for Smarter Borrowing
We start by thoroughly reviewing your income, liabilities, and long-term homeownership plans. This detailed assessment helps us recommend the best loan structure, empowering you to borrow with clarity and confidence.
🏠 Access to Australia’s Leading Loan Lenders
As your dedicated loan brokerage, we tap into a wide network of top home loan lenders throughout Australia. We compare interest rates, fees, terms, and features to provide competitive and flexible loan options tailored to your lifestyle and financial needs.
🏠 Expert Assistance with Application & Documentation
Our experienced team supports you through every step—from collecting documents to submitting applications—ensuring accuracy and compliance to help avoid delays or issues.
🏠 Effortless Approval and Settlement Coordination
Once your application is submitted, we act as your liaison with lenders, managing follow-ups, addressing questions, and coordinating with all parties involved to ensure a smooth and stress-free settlement process.
Step #2
Required Documents
🏠 Proof of Income
Provide your last 3 recent payslips if you are employed, or tax returns if you are self-employed. This documentation verifies your earnings and helps lenders assess your repayment capacity.
🏠 Bank Statements
Submit your bank statements for the last 3 to 6 months. These statements offer lenders insight into your financial habits, spending patterns, and the stability of your income flow.
🏠 Evidence of Deposit
You need to show proof of your deposit funds, which could be bank savings or a gift letter if someone else is contributing. This confirms you have the necessary funds available for the home loan deposit.
🏠 Details of Current Debts or Liabilities
Provide information about any existing loans, credit cards, or other financial obligations. This helps lenders evaluate your overall financial commitments and debt-to-income ratio.
🏠 Proof of Residence Status
Submit evidence of your citizenship or permanent residency status. This is required to confirm your eligibility to apply for a home loan in Australia.
🏠 Contract of Sale or Purchase Agreement
If you have already signed the contract for your property purchase, include this document. It details the terms of the sale and is essential for loan approval and settlement.
Step #3
Pre-requisites
🏠 A stable source of income with consistent employment history
Ensure you have steady earnings and a reliable work background to meet lender requirements.
🏠 Sufficient deposit saved, generally between 5% to 20% of the property value
Having a strong deposit improves your chances of loan approval and better interest rates.
🏠 A good credit history without recent defaults or bankruptcies
Lenders look for a clean credit record to assess your financial responsibility.
🏠 Australian citizenship or permanent residency status
You must provide proof of your legal right to live and borrow in Australia.
🏠 Ability to demonstrate your capacity to service the loan comfortably within lender criteria
Show that your income and expenses allow you to manage repayments without financial stress.
Meeting these prerequisites helps secure better loan terms and quicker approval.
Popular Questions
How long does it usually take to get approved for a home loan?
Can I get a home loan with a small deposit?
Yes, many lenders allow deposits as low as 5%, although this might involve paying lenders mortgage insurance (LMI). We help you explore all viable options.
Should I choose a fixed or variable interest rate?
Fixed rates offer stability with locked payments for a term, while variable rates can fluctuate with the market. We guide you to choose what fits your financial goals best.
What documents are typically required for a loan application?
Generally, you’ll need proof of identity, income, bank statements, and details related to the asset or purpose of the loan. We’ll guide you based on the type of loan you’re applying for.
Is pre-approval important before house hunting?
Absolutely! Pre-approval provides clarity on your borrowing capacity and strengthens your position when making offers on properties.
Have more questions?
We’ll guide you with honest advice and home loan options that fit your needs and future plans.
