Home loans that fit the way you live
Whether you are buying your first place or moving into your next home, ProNest Finance compares loan options across a range of lenders and looks after the paperwork, from pre-approval right through to settlement.
- First home buyers and upgraders
- Pre-approval so you can make offers with confidence
- Fixed, variable and split rate options
What we help you with
A good home loan is more than a low rate. We look at your deposit, income, goals and the features you will actually use, then match you with a lender that fits.
Low deposit options
Eligible first home buyers may be able to buy with as little as a 5% deposit through government-backed schemes.
Grants and concessions
We help you check your eligibility for the First Home Owner Grant, stamp duty concessions and the Home Guarantee Scheme.
Pre-approval
Know your budget before you start house hunting, so you can bid and negotiate with confidence.
Fixed, variable or split
Choose repayment certainty, flexibility, or a mix of both to suit your plans.
Offset and redraw
Loan features that can reduce the interest you pay and give you access to extra repayments.
Support to settlement
One broker from your first conversation to settlement day, including lender follow-up and paperwork.
Who we help
Every borrower is different. These are some of the people we work with most often.
- First home buyers getting into the market
- Families upgrading to a bigger home
- Downsizers buying their next place
- Self-employed borrowers who need flexible lender options
- Australian citizens and permanent residents (lender criteria apply)
How it works
- A no-obligation chat about your goals and budget
- We compare suitable loans across a range of lenders
- Pre-approval so you can shop with confidence
- Formal approval, with the documents handled for you
- Settlement, plus a check-in after you move in
All loans are subject to lender approval, terms and conditions.
Common questions
Straight answers to the things home buyers ask us most. For anything else, give us a call.
How much deposit do I need?
Most lenders look for a 20% deposit to avoid Lenders Mortgage Insurance (LMI), but many will accept 5% to 10%. Eligible first home buyers may qualify for government schemes that allow a 5% deposit without paying LMI.
What is pre-approval and how long does it last?
Pre-approval is a lender’s conditional indication of how much you can borrow. It usually lasts around 90 days, depending on the lender, and can often be renewed.
Am I eligible for the First Home Owner Grant?
It depends on your state, the property type and price, and whether you or your partner have owned property before. We will help you check the rules that apply to you.
Should I choose a fixed or variable rate?
Fixed rates give you repayment certainty for a set term. Variable rates move with the market and usually allow extra repayments and offset accounts. A split loan gives you some of both.
What documents will I need?
Usually photo ID, recent payslips or tax returns, bank statements, and details of your existing debts and expenses. We will send you a checklist tailored to your situation.
Ready to talk about your home loan?
Tell us a little about your plans and a ProNest Finance broker will get back to you to talk through your options.
- +61 3 7082 8988
- help@pronestfinance.com.au
- 14 Frodo Circuit, Clyde, VIC 3978
- Mon - Fri 9.00 AM to 5.00 PM
