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Home loans, done properly.

First home, next home, or forever home, we compare across 35+ lenders and handle the heavy lifting, from pre-approval to settlement. Our service is free to you.

Get StartedCall 0455 721 087
Home Loans

The right loan, not the easiest one.

A home loan is usually the biggest financial commitment you'll ever make, and the difference between a loan that fits and one that doesn't can add up to tens of thousands of dollars over its life. Banks can only offer you their own products. We're different: as an independent broker accredited with more than 35 lenders, we compare across the market and recommend what's right for you.

We start with a conversation about your situation and goals, then research lenders whose policies actually suit your circumstances, your deposit size, your income type, your timeline. You get a clear recommendation, explained in plain terms, and we manage the application, the paperwork, and the lender right through to settlement.

And because lenders pay us a commission when your loan settles, our service costs you nothing. You get an expert in your corner, at no cost to you.

Why it works

What you get with Toukan Finance

Genuine Comparison

We compare interest rates, fees, features and lending policies across our full panel, majors, non-banks, and specialists, and show you why we recommend what we do.

Pre-Approval First

Shopping with a pre-approval means you know your budget and can act fast. We prepare your application properly the first time, so there are no surprises later.

We Chase, You Don't

Applications stall when no one follows up. We manage the lender, the valuer and the paperwork, and keep you updated at every step.

Run the numbers

Repayment calculator

Estimate your monthly and fortnightly repayments on a principal-and-interest loan.

Monthly repayment
$3,793 /mo
Fortnightly equivalent
$1,751 /fn
Total interest over the loan
$715,560

Estimates only. Calculations assume principal-and-interest repayments at a constant rate with no fees, offsets or rate changes. Results do not constitute credit advice or an offer of finance, and your eligibility depends on a full assessment of your circumstances. Talk to us for figures based on your actual situation.

Common questions

Home Loans FAQs

How much deposit do I need to buy a home?
Many lenders will go to 95% of the property value, meaning a 5% deposit, though lenders mortgage insurance (LMI) usually applies above 80%. A 20% deposit avoids LMI altogether. Government schemes can also help eligible buyers purchase with a smaller deposit, we'll walk you through what you may qualify for.
What's the difference between pre-approval and full approval?
Pre-approval (or conditional approval) is a lender's indication of how much they're prepared to lend you based on your finances, useful for setting your budget and making offers with confidence. Full (unconditional) approval comes after you've found a property and the lender has valued it and verified everything.
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'll always disclose what we're paid, and because we're accredited with 35+ lenders, our recommendation is driven by what fits you, not by any one bank.
Fixed or variable, which is better?
Neither is universally better. Fixed rates give certainty over repayments; variable rates offer flexibility, offset accounts and the benefit of rate cuts. Many clients split their loan between both. We'll explain the trade-offs for your situation so you can decide with confidence.
How long does a home loan application take?
It varies by lender and how complex your situation is. Straightforward applications can be approved within days; others take a few weeks. Because we know each lender's current turnaround times, we can factor speed into the recommendation when your timeline is tight.

Ready to find your home loan?

Tell us what you're trying to achieve, and we'll come back with options explained in plain English.

Get StartedCall 0455 721 087
Get in touch

Start your enquiry.

Your information is kept confidential and used only to respond to your enquiry, as described in our Privacy Policy. Toukan Finance is an Authorised Credit Representative (CRN 577748) of Outsource Financial Pty Ltd (ACL 384324).

Call Daniel, 0455 721 087