Home loans

Home loans, including the difficult ones

Refinance, purchase, self-employed, low doc, bad credit and every other tricky home loan, sorted.

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Self-employed home loans

Self-employed home loans in Australia from Ownright Custom Finance. Tax returns, low doc or alt-doc paths for sole traders, contractors and company owners.

Low doc home loans

Low doc home loans for self-employed Australians with limited paperwork. Ownright arranges alt-doc and low doc lending Australia-wide. Talk to Trevor Scott.

Home loan refinance

Refinance your home loan with Ownright Custom Finance. Switch lenders, consolidate debt or unlock equity, even when your bank says no. Australia-wide.

New home loans

New home loan options with Ownright Custom Finance. Buying, upgrading or moving into a home when your situation isn't text-book. Australia-wide broking.

Difficult home loans

Difficult home loans that banks decline. Ownright Custom Finance finds solutions for complicated income, credit, property or timing. Australia-wide.

Bad credit home loans

Bad credit home loans in Australia. Ownright Custom Finance arranges mortgages with defaults, arrears or a patchy credit file, plus a path to better lending.

Home equity loans

Home equity loans in Australia. Borrow against the equity in your property for renovations, business, investing or debt. Ownright arranges them Australia-wide.

SMSF property loans

SMSF property loans in Australia. Ownright Custom Finance arranges limited recourse borrowing for self-managed super funds buying residential property.

Construction loans

Construction loans for building your home in Australia. Progress payments, owner-builders and tricky files handled by Ownright Custom Finance. Australia-wide.

Land and construction loans

Land and construction loans for buying a block and building on it. Ownright Custom Finance structures the whole project, Australia-wide, even for tricky files.

Renovation loans

Renovation loans in Australia for extensions, kitchens, granny flats and more. Ownright Custom Finance compares equity, top-up and construction-style funding.

Property purchase loans

Property purchase loans across Australia. Ownright Custom Finance arranges finance to buy homes, land and investments, including fast and complicated purchases.

Investment property loans

Investment property loans Australia-wide, including self-employed investors, growing portfolios and deals a bank won't touch. Talk to Ownright today.

First home buyer loans

First home buyer loans for people with a twist: self-employed, casual work, small deposit or a credit blip. Ownright arranges them Australia-wide.

Urgent mortgage refinance

Need to refinance a mortgage in a hurry? Ownright arranges urgent mortgage refinances Australia-wide, from default notices to expiring terms.

Non-bank home loans

Non-bank home loans can suit self-employed, credit-impacted and unusual-income borrowers. Ownright arranges them Australia-wide. Ask us how.

No doc and alt-doc loans

What no doc and alt-doc home loans really are, who they suit and how Ownright arranges them Australia-wide. Straight answers from experienced brokers.

Contractors and gig workers

Home loans for contractors, labour-hire workers and gig economy earners. Ownright works out how lenders will read your income. Australia-wide.

Mortgage arrears help

Behind on your mortgage? Ownright explains your options, from hardship requests to refinancing out of arrears, and helps Australia-wide. Call early.

Cash-out refinance

Cash-out refinance lets you borrow against home equity to renovate, invest or consolidate debt. Ownright structures it Australia-wide. Get in touch.

New business owners

Started a business in the last couple of years? Ownright arranges home loans for new business owners without two years of returns. Australia-wide.

Casual and seasonal workers

Home loans for casual, part-time, shift and seasonal workers. Ownright shows lenders your real income pattern. Australia-wide, plain-English help.

Home loans with ATO debt

Owe the ATO and need a home loan or refinance? Ownright explains how lenders view tax debt and finds solutions Australia-wide. Call for a private chat.

Reverse mortgage loans

Reverse mortgage loans explained for older Australians: how they work, the trade-offs, the Home Equity Access Scheme and the alternatives worth comparing.

Seniors home loans

Seniors home loans for Australians over 55 and into retirement. How lenders assess age, super and pension income, and what to do if a bank has said no.

Guarantor home loans

Guarantor home loans explained: how a family guarantee works, the risks for the guarantor, limited guarantees and how to be released later.

Interest only home loans

Interest only home loans explained: how they work, who they suit, what happens when the period ends and what lenders want to see. Australia-wide.

Fixed and variable home loans

Fixed, variable or split home loan? Compare how each works, the trade-offs on extra repayments and break costs, and how to choose. Australia-wide.

Offset and redraw home loans

Offset account or redraw facility? See how each reduces interest, how access differs, tax points for investors and which suits your home loan.

Vacant land loans

Vacant land loans for residential blocks, rural land and building plans. How lenders treat land, deposits, build timeframes and what to do if banks decline.

Off the plan home loans

Off the plan home loans explained: deposits, the long gap to settlement, valuation risk, approval timing and what to do if a lender pulls back.

Owner builder loans

Owner builder loans for people managing their own build. Permits, lender conditions, staged payments, insurance and options when banks decline.

Granny flat loans

Granny flat loans for secondary dwellings and backyard builds. Funding options, council rules, equity use, valuation and what to do if banks decline.

Home extension loans

Home extension loans for adding rooms, a second storey or a granny flat, arranged Australia-wide, including for self-employed owners and tricky files.

Pensioner home loans

Pensioner home loans for Age Pension and part-pension households, from refinancing to buying, arranged Australia-wide by experienced brokers.

Low deposit home loans

Low deposit home loans, including 5% deposit options and tricky incomes, arranged Australia-wide. See how lenders view small deposits and gifted funds.

Knock down rebuild loans

Knock down rebuild loans for owners who want to demolish and build new on the same block. Staged funding arranged Australia-wide, including hard cases.

Home loan top up

Home loan top up explained: how to increase your loan limit using equity, when it works, and what to do if your current lender says no.

Let's find your solution

One short enquiry and an experienced broker gets to work finding the loan that fits, however tricky the situation.

Start my enquiry → Call 03 7043 7233

Australia-wide

40 years of know-how

A real person, a real plan