Home Loans in Sydney

With access to 25+ lenders and a tailored approach for every client, we help you get where you want to be, faster.

Sydney Home Loan Specialists. Tailored Finance for Every Situation.

At Bang On Investments, we have learned that no two home loans are exactly the same, because no two homeowners are exactly the same. Whether you are buying your first home, upgrading, investing or refinancing, getting the right loan structure can save you tens of thousands over the life of your loan.

Our process starts with getting to know you. Your current situation, your future vision, and the gap in between. We draw on our expertise and our extensive lender network to design a solution that moves you closer to your goals.

“Bang and the team were so fantastic to work with. Their positivity, energy and professionalism made for a fantastic process and we felt supported every step of the way.”

Xanthe L

Home Loan Solutions We Specialise In

We offer:

Investment Property Home Loans

Custom-designed investment property home loans that enable you to build a robust portfolio.

Tax-Effective Loan Structuring

Home loans structured to maximise your accountant’s tax strategies.

Portfolio Stand-Alone Structuring

For clients with a property portfolio (depending on available equity), reduced risk due to each security being structured as stand-alone.

Low Doc Home Loans

Low doc home loans using 12 months BAS statements.

Cash Out Using Residential Security

Cash out using residential security.

LMI Waivers for Professionals

For professional clients, including those in specific legal, accounting or medical fields, Lenders Mortgage Insurance can be waived up to an LVR of 90%.

If you don’t see what you need, or you’re looking for someone who can walk you step-by-step through the home loan process, please reach out to one of our home loan experts.

Home Loan Types We Help With

First Home Buyer Loans

Buying your first home can feel overwhelming. We guide you through every step, from understanding your borrowing capacity to settlement, and help you access the First Home Owner Grant and stamp duty concessions where eligible.

Ready to buy your first home? Call 0414 406 887.

Refinancing

If you have not reviewed your home loan in the past two years, you could be paying too much. We compare your current rate against the market and move you to a better deal if one exists, with minimal disruption to you.

Thinking about refinancing? Call 0414 406 887.

Fixed vs Variable Rate Loans

Not sure whether to fix your rate or stay variable? We explain both options clearly and help you choose the right structure, or split your loan, based on your goals and circumstances.

Want to understand your rate options? Get in touch.

Self-Employed Home Loans

Self-employed borrowers face unique challenges. We work with lenders who understand non-traditional income and can accept BAS statements, and we know how to present your application in the strongest possible way.

Self-employed? Call 0414 406 887. We specialise in this.

Investment Property Loans

Building a portfolio? We structure investment loans to maximise your borrowing capacity and minimise cost, always with your long-term strategy in mind.

Ready to invest? Call 0414 406 887.

“As a first home buyer, Bang helped make the entire experience feel less painful. Their knowledge of the home-buying process was second to none, and the customer service was excellent. Highly recommended.”

Josh R

Why Choose Bang On Investments for Your Home Loan?

Access to 25+ lenders, including major banks, non-bank lenders and specialist providers

Fully assessed pre-approval. Stronger offers and fewer surprises at the negotiating table

Personalised service. We take time to understand your full situation before recommending anything

No cost to you. We are paid by the lender at settlement

Sydney-based. We know the local property market

Helping Home Buyers Across Sydney and the Southern Highlands

We work with home buyers and investors across Greater Sydney, including Chatswood, Strathfield, North Sydney, Willoughby, Concord, Pymble, Killara, Bowral and surrounding areas. Wherever you are buying, we are here to help.

Home Loan FAQs

How much deposit do I need for a home loan?

Most lenders require a minimum 5 to 10% deposit, though 20% avoids Lenders Mortgage Insurance (LMI). Some professions, including medical professionals, can borrow up to 90 to 95% without LMI. We will assess your situation and explain your options.

What is LMI and can I avoid it?

LMI protects the lender if you default. It is typically required when borrowing more than 80% of the property value. Medical professionals and certain other occupations can get LMI waivers. Speak to us to find out if you qualify.

How long does home loan approval take?

With a fully assessed pre-approval, typically 3 to 5 business days. Full approval after finding a property can take 5 to 15 business days depending on the lender.

Can I get a home loan if I am self-employed?

Yes. We specialise in self-employed home loans and work with lenders who accept BAS statements and alternative income evidence.

What is the difference between a fixed and variable rate?

A fixed rate locks in your repayments for a set term, giving you certainty. A variable rate moves with the market and can go up or down. Many clients choose a split loan to get the benefits of both. We will help you decide which suits your goals.

Do you charge a fee to find me a home loan?

In most cases, no. Mortgage brokers are paid a commission by the lender when your loan settles. We will always be upfront about how we are paid. There are no hidden costs to you.

Have another question?

* Please note that every client’s situation is unique and terms and conditions apply. Contact us to initiate a full application assessment for you to determine an outcome.

Ready to Find Your Home Loan?

Get in touch for a free, no-obligation conversation. We will compare 25+ lenders and find the right loan for your situation, with no cost to you.