Home Purchase Loans
Support for first home buyers, next-home buyers, low-deposit borrowers, and clients looking for the right loan to purchase residential property.
Home is More Than A Place.
It's A Feeling.
A home isn't just four walls — it's where life unfolds. We're here to help you choose a home loan that feels right, with clear, personal guidance.
Let's talkHelping you find the home loan that fits
Buying a home is one of life's biggest decisions, and the right loan should support more than just the purchase in front of you.
At Boutique Finance, we help you understand your options with clarity — from first home buyer support and refinancing to investment and next-home lending. We look at where you are today, where you're heading, and what your loan needs to do for your lifestyle, family, work, and future plans.
Because the right home loan should not just work on paper. It should give you the freedom, flexibility, and confidence to move into your next chapter.
Residential Lending Services
Home loans for every kind of buyer.
Investment Property Loans
Lending guidance for residential property investors, including SMSF residential property loans and investment-focused loan structures.
Refinancing & Loan Optimisation
Review your current loan, explore repricing or refinancing options, and restructure your lending to better suit your goals.
Construction & Renovation Loans
Finance support for building, renovating, or improving a residential property, with guidance through the construction lending process.
Equity Release & Cash Out Loans
Access available equity in your home to support renovations, investment plans, business needs, or other future goals.
Complex Income & Specialist Lending
Support for self-employed borrowers, complex income structures, interim income, future projected income, and specialist lending scenarios.
We do the legwork, so you can move forward with confidence.
Choice
We compare suitable lenders, loan options, and structures — helping you see what fits your goals beyond just the rate.
Service
Responsive support from first conversation to settlement — keeping the process clear, organised, and easier to navigate.
Advice
A clearer lending process from start to finish — with support that keeps things organised, simple, and moving forward.
Four clear steps to a home loan that fits your future
Getting a home loan should feel clear, not complicated. Our process helps you move from the first conversation to settlement with structure, guidance, and confidence at every step.
Understand & Explore
We review your goals, borrowing capacity, and lender options so you know what may be possible before taking the next step.
Prepare & Pre-Approve
We help collect the right documents, prepare your application, and guide you through pre-approval so you can begin your property search with confidence.
Search, Apply & Approve
Once you find a property and make an offer, we support the valuation, final approval, and loan document process so everything keeps moving clearly.
Support beyond settlement
We guide you through settlement, provide post-settlement support, and continue with ongoing periodic reviews to help your loan stay aligned with your goals.
FAQs
Frequently Asked Questions
How much deposit do I need to buy a home in Australia?
Most lenders prefer a 20% deposit, but you can often buy with as little as 5% (or even 2% under certain government schemes). Keep in mind that deposits under 20% may attract Lenders Mortgage Insurance (LMI).
We’ll help you understand your options and eligibility.
Am I eligible for first-home grants?
Eligibility depends on your state, the property type, and whether you’ve owned property before. We’ll check the current grants and concessions that apply to your situation.
Can I buy if I’m on one income?
Yes. Borrowing on a single income is common — what matters is your income stability, expenses, and deposit. We’ll run the numbers and give you a realistic borrowing range.
What documents do I need?
Generally: photo ID, recent payslips, bank statements, and details of any existing debts. We’ll send you a tailored checklist so nothing slows down your application.
How long does pre-approval take?
Often within a few business days once your documents are in. We’ll keep you updated at every step so you can shop with confidence.
Customers Testimonial
Our Customers Love and Trust Us
They made our first home loan feel effortless. Clear advice, zero jargon, and a rate we did not think we could get.
As a GP, my income structure is unusual. Boutique knew exactly which lenders to approach — settled weeks ahead of expectations.
Refinanced our commercial property with a structure that freed up real cash flow. Genuine, ongoing partners.
Responsive, honest and genuinely on our side. We have already referred three friends.
We're All Ears!
Schedule an online appointment and let's have a chat about what you need and how we can help.
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