Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

When it comes to getting a Home Loan, having a number of lending options is critical to making the best choice. We have access to thousands of products from lenders across Australia including the major banks, credit unions, and building societies. We support our clients throughout the buying process including doing the legwork for you right through to settlement. We'll make sure you always get the best possible interest rate on your Home Loan and can even compare cash-back offers for you.

When looking at different Home Loan Options, it's important to understand some of the key loan attributes:

Principal and Interest: This is the most common type of Home Loan. With a principal and interest Home Loan, you not only pay the interest on the borrowed money but also a portion of the actual loan amount. It means you're slowly paying off the loan while also covering the interest.
Interest Only: With an interest-only Home Loan, you only pay the interest on the borrowed amount for a certain period, usually around 5 years. This can make your initial repayments lower, but keep in mind that you'll still need to pay back the full amount later on.
Variable Rate: On the other hand, a variable rate Home Loan means the interest rate can change over time due to various factors like changes in the economy. While it might offer flexibility and potentially lower interest rates, it could also mean that your repayments may vary.
Fixed Rate: A fixed-rate Home Loan means the interest rate stays the same for a set period, often 1 to 5 years. It provides stability and predictability because your repayments won't change during this time, making it easier to budget.

We're a proud member of the Finance Brokers Association of Australia and have clients right across Australia. If you're looking to get a Home Loan, we have the expertise and experience to guide you through the process of finding the right Home Loan for your needs.

Getting a Home Loan

Initial Consult

Have a chat with one of our qualified Mortgage Brokers who will understand your situation and talk you through the next steps.

Fact Find

We'll work with you to understand a bit more about your situation (including your financials, assets etc.) to make sure you will qualify for a Home Loan.

Pre Approval

Once you're approved, you can start bidding or making offers on properties you want to purchase.

Settlement

You settle on the property, your Home Loan draws-down and you're good to go!

Book Appointment

Our Latest Reviews

Fibi Wambui

⭐⭐⭐⭐⭐ Shane helped me consolidate my personal and house loan, bringing my personal loan interest down from 13.9% to 5.4% and reducing my mortgage interest rate by 1.3%. Amazing!!! I’ve dealt with seven brokers, and only two have truly stood out as loving what they do, and only one out of the 2 followed through – Shane did. Regardless of how much commission he stands to earn, Shane treats you with the same care, respect and commitment. He’s honest, never talks down to you, and never makes you feel as though you’re asking for his own money. He listens, explains things clearly and doesn’t promise what he can’t deliver. Shane helped me secure the best deal with minimal hassle, and the process was the quickest I’ve experienced—all at no cost to me as the client. If you’re looking for a broker who respects you, values your time and follows through on his word, I can’t recommend Shane highly enough.

Pedro

Amazing help and great experience to ensure we had the best options available. Highly recommended.

Varsha

We had a really great experience with Heeva! We've worked with Heeva multiple times in buying and selling homes, and he's always been fantastic. He's always on the ball, very responsive and helped us to get the outcome we wanted each time. Will definitely work with him in future, and absolutely recommend! Thanks Heeva!

Milan

Had a great experience with Cedar Finance Group. Heeva made the whole car finance process quick and easy and was able to get me a great interest rate. Everything was explained clearly and the loan was sorted out much faster than I expected. Really happy with the service and would definitely recommend Heeva and Cedar Finance Group to anyone looking for finance.

Sally Moses

We recently had the pleasure of working with Heeva from Cedar Finance Group, and we couldn’t be happier with the experience. From start to finish, his communication was outstanding—he kept us informed every step of the way, responded promptly to every question, and made what could have been a stressful process feel straightforward and manageable. Heeva’s professionalism, knowledge, and genuine commitment to achieving the best outcome gave us complete confidence throughout the entire journey. We always felt comfortable knowing he had our best interests at heart, and thanks to his hard work, we achieved a successful outcome that we’re incredibly grateful for. If you’re looking for a finance broker who is honest, reliable, and truly goes above and beyond for his clients, we can’t recommend Heeva highly enough. We would happily and confidently refer him to our friends and family without hesitation. Thank you, Heeva, for your exceptional service!

Safa Majidi

We had a great experience working with Cedar Finance Group. Heeva was responsive, knowledgeable, and made the whole process smooth and straightforward. He took the time to explain our options clearly and guided us every step of the way, which gave us real confidence throughout.

We work with Australia's biggest lenders

Frequently Asked Questions

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

Sydney, NSW

0413 330 907

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Cedar Finance Group Pty Ltd ABN: 17 686 415 761. Credit Representative #574323 is authorised under Australian Credit Licence #384704

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

At Cedar Finance Group, we're Mortgage Brokers helping clients Australia-wide get into their home sooner with a range of Home Loan options