Home Loans Made Simple
Buying your first home, upgrading, or refinancing? Aqua Money takes the complexity out of residential finance by doing the comparison work for you. Perth-based, serving clients across Australia.
How a residential loan works
A residential home loan is finance secured against a property you are buying or already own. As a broker, we compare loans across many lenders on your behalf and help you choose one suited to your circumstances, rather than you approaching each lender yourself.
We have access to a broad panel of lenders — from major banks to specialist mortgage providers — so you get the right loan at the right rate for your situation. Our brokers assist clients across Australia, with flexible phone, video and in-person appointments.
What we can help with
First home buyer loans
Owner-occupier mortgages
Investment property loans
Refinancing and debt consolidation
Construction loans
How the process works
Free consultation
We get to know your goals, your budget and where you're headed — by phone, video or in person.
Lender comparison
We compare our panel of lenders, from major banks to specialist providers, to find the right loan for you.
Application and approval
We help prepare and package your application and guide you through to approval.
Settlement and beyond
We support you through settlement, and stay available for future refinancing or your next purchase.
Common questions about home loans
Do you help first home buyers?
Yes. First home buyer loans are a core part of what we do. We explain the process, compare lenders, and help you understand what you may be eligible for, including any first home buyer incentives that apply to your situation.
Can a broker get me a better rate than going direct to my bank?
A broker compares products across many lenders rather than one bank's range, which means more options to match your situation. Whether a particular rate is available depends on your circumstances and the lender's criteria — we work to find a competitive, suitable option, not just the lowest advertised number.
How much can I borrow?
Borrowing capacity depends on your income, expenses, existing debts, deposit and the lender's assessment. It varies between lenders, which is one reason comparing options matters. We can give you a clearer picture once we understand your situation.
Can you help with investment property loans?
Yes. We arrange loans for investment properties as well as owner-occupier homes, and can talk through how lenders assess investment lending differently.
What is refinancing and should I consider it?
Refinancing means replacing your existing home loan with a new one, often to secure a different rate, access equity, or consolidate debt. Whether it makes sense depends on your goals, your current loan, and any costs involved. We can review your situation and lay out the options.
Is Aqua Money a licensed mortgage broker?
Yes. Aqua Money is Australian Credit Representative 575935 of Australian Credit Licence 384704, regulated by ASIC, and assists clients across Australia.
Find your home loan
A free consultation, no obligation. Tell us where you're headed and we'll compare the options to find the right fit.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. It is not financial product advice. Aqua Money — ABN 32 693 892 134 — Australian Credit Representative 575935 of Australian Credit Licence 384704.
Compare your residential options
An indicative estimate — your tailored lender matches are prepared privately.
Indicative monthly repayment
$4,002
$48,026 per year
Your top 3 lender matches
privateRanked to your circumstances. Specific lenders and rates are revealed when we speak.
Match 1
Sharpest rate
Lowest ongoing rate for your profile
Match 2
Most flexible
Offset, redraw, extra repayments
Match 3
Easier approval
More forgiving serviceability
See if you're eligible for conditional pre-approval
Six quick questions — no credit check, no impact on your score.
1 · Employment
2 · Deposit saved
3 · Credit history
4 · Purpose
5 · Timeline
6 · Residency
0 of 6 answered — your result appears here.
Indicative only — not a quote, credit assistance, or a recommendation, and not a pre-approval or credit decision. Comparison rate is calculated on a $150,000 loan over 25 years and assumes an upfront fee of $600 and an annual fee of $395; it is true only for that example and different amounts or terms will produce different comparison rates. The actual rate available to you depends on your circumstances and the lender. Indicative rates are derived from the published RBA cash rate and are updated daily.