Home Loans · Sydney
Find the right home loan.
Whether you're buying your first home, upgrading, or downsizing, we search our panel of lenders to find a loan that fits your goals, timeline, and budget. At no upfront cost to you.
General information only. Not personal financial advice.
Who it's for
Is this right for you?
First home buyers
Navigating your first purchase can be daunting. We explain every step, from understanding how much you can borrow to getting the keys in your hand, in plain English throughout.
Upgraders and upsizers
Buying your next home while selling your current one involves careful timing and structuring. We help you plan the move without the stress.
Downsizers
Whether you're freeing up equity or simplifying your finances, we find a loan that fits your new chapter and makes the transition as smooth as possible.
How we help
What you get with Swish
We take the time to understand your goals before we recommend a single lender. No cookie-cutter solutions.
Major banks, specialist lenders, and non-bank options. We compare across our full panel to find the right fit for your situation.
From application to approval, we manage every step of the process and keep you updated throughout.
A pre-approval gives you confidence before you start shopping. We help you get one so you can make offers with certainty.
Our service is free to you. We're paid by the lender when your loan settles, with no impact on the rate you receive.
We check in on your rate over time and help you plan your next move when the time comes.
Ready to get started?
Book a no-obligation chat with Matt or Jess. Clear advice, no pressure, at no upfront cost to you.
General information only. Not personal financial advice.
How it works
Simple from the very first call
We have a chat
Tell us about your situation. We ask the right questions to understand your goals, budget, and timeline, with no obligation.
We research your options
We search our lender panel and compare options that suit your needs. We explain the differences clearly so you can make a confident decision.
We get it across the line
We manage the paperwork, liaise with the lender, and keep you updated every step of the way to settlement.
Common questions
Straight answers
How much can I borrow?
Your borrowing capacity depends on your income, expenses, existing debts, and deposit size. The best way to find out is a quick call. We'll give you a realistic number based on your actual situation, not a generic calculator.
How long does the home loan process take?
From first call to formal approval, most applications take two to four weeks depending on the lender and how quickly documents are provided. We'll keep you updated at every stage.
Do I need a deposit?
Most lenders require a minimum of 5–10% deposit, though 20% avoids lender's mortgage insurance (LMI). There are also government schemes for first home buyers that can reduce the deposit required. We'll walk you through what applies to your situation.
Does using a broker cost me anything?
No. Our service is free to you. We're paid a commission by the lender when your loan settles. We're legally required to act in your best interests, not the lender's.
Ready to take the next step?
Book a no-obligation chat with Matt or Jess. No pressure, no jargon, just clear advice tailored to your situation.