Gain Home Loans has been in business for over 20 years, helping thousands of clients with their finance requirements. We’ve been in the MPA Australia Top 100 Brokers list for seven consecutive years and an MFAA finalist for Best Customer Service for three years. Our Director, Navjeet, won the Best Mentor of the Year award in 2023 and was a finalist again in 2024. Don’t just take our word for it—check out our 5-star Google Business testimonials to hear directly from our happy clients! Ready to experience the same level of care? Reach out today!

Your privacy is our priority. We are bound by strict privacy and compliance laws, ensuring your information is always kept confidential. We do not share any information with third parties without your explicit consent. Have more questions about privacy? Give us a call!

Your privacy is our priority. We are bound by strict privacy and compliance laws, ensuring your information is always kept confidential. We do not share any information with third parties without your explicit consent. Have more questions about privacy? Give us a call!

Yes, we offer loans under the government’s First Home Guarantee Scheme, where the lender only requires a 5% deposit and no Lenders Mortgage Insurance (LMI) is payable. Maximum caps and conditions apply. Contact us today to learn more about how we can help you secure your dream home with no LMI!

We offer a variety of loans, including home loans, investment loans, business loans, personal loans, car loans, asset finance, and loans for purchasing property under a Self-Managed Super Fund (SMSF). Whatever your needs, we’ve got you covered—get in touch with us to explore your options.

Interest rates depend on your individual circumstances, but historically, we’ve been able to secure better rates and deals for clients looking to refinance their home loans. Want to see what we can do for you? Reach out to us for a personalised rate quote!

Yes, we have a property division and a qualified, licensed real estate agent who can assist in finding investment properties or owner-occupied homes. We also offer free property reports—click the link below and let us help you find your next property!

Your privacy is our priority. We are bound by strict privacy and compliance laws, ensuring your information is always kept confidential. We do not share any information with third parties without your explicit consent. Have more questions about privacy? Give us a call!

Absolutely. We specialize in helping clients refinance their loans to secure better rates or terms, saving you money in the long run. Interested in refinancing? Contact us to see how much you can save!

Typically, you’ll need identification documents, proof of income (such as payslips or tax returns), details of your assets and liabilities, and a credit report. Not sure where to start? Our team is ready to guide you through the process step by step.

LMI is insurance that protects the lender in case you default on your loan. It’s usually required if your deposit is less than 20% of the property’s value. We can help you understand if LMI applies to your loan and how to manage it. Reach out for a personalized assessment!

Maintaining a good credit score, having a stable income, and ensuring you have a deposit saved can improve your chances. Our loan officers are here to help optimize your application. Let’s increase your chances of approval—contact us today!

Yes, we can help you secure pre-approval, giving you a clear understanding of your borrowing power and allowing you to make confident offers when purchasing a property. Ready to get pre-approved? We’re just a call away.

A fixed rate locks in your interest rate for a set period, offering stability. A variable rate fluctuates with the market, offering flexibility. Not sure which is right for you? We can help you decide—get in touch!

A comparison rate reflects the true cost of a loan, including the interest rate and most fees and charges. This helps you compare loans from different lenders more effectively. Need help comparing options? We’re here to assist!

Yes! We offer home loan options specifically designed for self-employed individuals. You’ll need to provide financial documents, such as tax returns and profit-and-loss statements, but our team can make the process easy for you. Get started today!

An offset account is a transaction account linked to your home loan. The balance in this account is offset against your loan balance, reducing the amount of interest charged. Want to explore if this is right for you? Contact us!

Refinancing can help you secure a lower interest rate, reduce your monthly payments, or access equity in your home for renovations, investments, or other needs. Ready to see how refinancing can benefit you? We’re here to help—give us a call!

Yes, you can purchase property through your Self-Managed Super Fund (SMSF), provided certain conditions are met. We can guide you through the process and arrange appropriate financing. Let’s chat to see if this is an option for you!

Fees may include application fees, valuation fees, legal fees, and Lenders Mortgage Insurance (if applicable). We provide full transparency on all potential costs—no surprises here! Want a detailed breakdown? Contact us today!

Typically, you will need at least a 10-20% deposit, but there are options for loans with lower deposits, especially for first-home buyers. Let’s explore your options—give us a call!

We provide tailored advice and access to government schemes, such as the First Home Loan Deposit Scheme and stamp duty concessions, making the process smoother and more affordable. First home? We’re here to guide you every step of the way.

There are some low-deposit or no-deposit home loan options available, particularly if you have a guarantor. We can discuss these alternatives based on your situation. Ready to explore your options? Contact us today!

While a bad credit history can affect your borrowing capacity, it doesn’t necessarily disqualify you from obtaining a loan. We specialize in finding solutions for clients with less-than-perfect credit. Let’s discuss your options—get in touch with us today!

This depends on the type of loan and the lender. Some loans have exit fees for early repayment, while others do not. We will help you understand your loan terms clearly. Contact us to get all the details!

Yes, we offer a variety of loan options for purchasing investment properties, with flexible terms to suit your investment strategy. Start your investment journey with us—reach out today!

A redraw facility allows you to make extra repayments on your loan and then withdraw those funds if needed. It offers flexibility while reducing your loan balance and interest over time. Want to learn more? Contact us for details!

Yes, switching loans (or refinancing) is common when seeking better rates or terms. We can manage the process for you from start to finish. Let’s make your switch smooth—get in touch today!

Yes, we provide a range of business loan options for SMEs, startups, and established businesses looking for expansion or working capital. Let’s discuss how we can help your business thrive!

A mortgage broker offers access to a wide range of lenders, negotiates better deals on your behalf, and provides personalized guidance throughout the loan process. We also do the heavy lifting, saving you time and effort. Ready to make your life easier? Contact us!

Simply give us a call, send an email, or click the link to book a consultation. Our team will take care of the rest, ensuring a smooth and efficient loan application process.

We do not offer them directly. However, we have an in-house solicitor who can assist you by providing advice on the contract of the property you’re purchasing. This ensures you are fully informed about any potential issues before committing. Reach out for more details!

Not directly, but we have an in-house accountant who can assist with questions about tax benefits related to property purchases. Our accountant can also help set up a Self-Managed Super Fund (SMSF) for you, enabling property purchases under the SMSF structure. Contact us today for expert assistance!

Yes, we have partnerships with financial planners and insurance providers who can assist with a range of insurance needs, including home, contents, building, car, health, life, income protection, and trauma insurance. Please give us a call for more information and personalized advice.