Home Loans and Mortgage Broker

We are the mortgage broker in Australia
who gives you something different... 
Great Service & Cash Back! 
Call now on 1300 137 586

Why use Peach as your mortgage broker.

Did you know that nearly half of all home buyers in Australia use a mortgage broker. Whether you are looking for your first home loan, an investment loan or  refinance an existing home loan.  Peach Home Loans, the pioneer of mortgage rebates since 2000, has over 40 lenders and hundreds of home loan products available. 

As your mortgage broker we offer you a free, personalised service matching your mortgage needs to some of the best finance products available from our extensive panel of lenders. 

  • fixed rate home loan
  • no-deposit or 100% home loans,
  • first home buyers home loans,
  • investment home loans,
  • equity loans, portfolio loans and line of credit facilities,
  • low doc or no doc home loans,
  • professional packages

We have over forty lenders from building societies and credit unions to the big banks. But we don't rely on one size-fits-all computer home loan matching.  We assess your needs and provide you with considered options. From the simplest no frills first home buyer's home loan to professional packages and portfolio loans for sophisticated investors.

We know how intimidating getting a home loan can be. As our testimonials confirm, everyone at Peach Home Loans is trained to make your new home loan or refinance as easy as possible. We'll even fill out your application form for you! 

Even if you are still in the planning phase we can help you calculate your borrowing power, plan a strategy or even provide tips on saving for a deposit. It can be very confusing with fixed rates or variable rates - honeymoon or introductory rates - lines of credit or equity loans - redraw or offset - no deposit or 106% loans - low docs or no docs so we have regular newsletters providing a wealth of information.  How can you compare and be sure you are getting the right home loan for your needs.  By talking to a reputable mortgage broker you are well on the way to making an informed decision.  

Then we go one better! We keep your hassles and our costs down (click here to see how). And for every dollar we save in our overheads we can afford to pass it to you as a rebate. We pay you $1,000 or more for home many loans over $300,000 and generous rebates for all home loans down to $150,000. You get the same home loan you could get from another mortgage broker - with $1,000 in your pocket!*

Go to our inquiry form or call us now on 1300 137 586.

We are currently recruiting click here for opportunities.

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Digest Index Include
Finance & Property 
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Pressure is off rates-25/06/2008 
David Potts in the SMH explains why the RBA will leave rates alone. Or at worst case a small increase but the real signs are that the economy is stalling and if the stall enters free fall rates will drop by a long margin.

Email Failure Lost Leads-25/06/2008 
Realestate.com.au's mail server has apparently failed to deliver inquiries to real estate agents for up to two months. It appears that around 16 per cent of emails were not delivered for up to 8 weeks. Understandably agents are furious.

ABARE Predicts Boom Continues-24/06/2008 
ABARE's latest prediction is that the mining boom will a reach a record $212 billion next financial year. They also predict that this will continue to feed into the economy and keep pressure on interest rates.

US Lending Intelligence-18/06/2008 
"Nobody had predicted people going into default in their first three mortgage payments." a quote from US lender People's Choice 2006. Read the 2nd part of the fascinating study on the sub-prime melt down by Zachary Goldfarb and Alec Klein in The Age

Industrial law applies to BOQ franchises-15/05/2008 
Feature from the Sheet - Bank of Queensland last week failed in a key skirmish with the operators of a failed bank agency, and thus the bank will have to defend a claim for damages brought under the Industrial Relations Act of New South Wales A number of other annoyed operators of unsuccessful BOQ branch franchises are likely to persist with similar claims given the precedent in this case.

First Home Savers Scheme-14/05/2008 
Yesterday's budget clarified the new First Home Saver Account scheme. This scheme allows first home buyers to make tax free contributions into the account and the Government will tip in up to $850 a year. The funds can only be used for a house purchase or converted to superannuation

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What's Hot
in home loans

Auctions Continue Slump
Adelaide's auction market has crashed to 40 per cent clearance down from 68 per cent for the same weekend last year. Melbourne boasts only a 53 per cent clearance down from 82 per cent and Sydney looks almost buoyant with 48 per cent down from 59 per cent.
RAMS Waive Apps and Vals
For June RAMS are waiving the application and valuation on deals over $150,000 saving you $645 With rates from 8.65% that's a good offer.
Is Equity Finance the Solution
Shared equity loans have received a lot of flack but in a stalled housing market, if you are suffering mortgage stress and you believe your only option is to sell - maybe it is time to consider Equity Finance Mortgage (EFM). Even as a short term measure say 2 to 3 years it can certainly reduce your monthly repayments.
Interest In Advance
With income tax rates coming down for many people next year, now is a good time for property investors to think about bringing deductible interest payments forward into this financial year.
Beware of Fixed Break Fees
With many analysts now predicting that we have reached the top of the rate cycle - it's time to take a breath before fixing for long periods. Break fees on fixed rate loans can be very substantial when rates are falling.