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 around 40 per cent of all home buyers in Australia use a finance broker to arrange their mortgage. Why?  Because mortgage brokers offer a range of home loans from a variety of lenders and usually they provide their services to you for free.  Lender's pay the finance broker a commission to prepare and submit your home loan application.  This commission is not added to the cost of your loan so you get professional home finance advice on a wider range of home loan products and it costs you nothing.

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. We have a range of

  • fixed rate home loans even with 100% offset accounts and/or redraws
  • no savings and 100% home loans,
  • first home buyers home loans,
  • investment home loans,
  • equity loans, portfolio loans and line of credit facilities,
  • low doc home loans,
  • 100% offset home loans
  • professional packages with complete banking solution

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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Finance & Property 
Investment Digest Snapshot
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Has the bubble burst-08/08/2008 
Fixed rates are falling and by quite an amount - Heritage Building Society has leap frogged the majors with a .50 per cent slash from their 3 year fixed.

RBA Holds Rates-05/08/2008 
Following today's RBA board meeting the cash rate will remain at 7.25 per cent. Governor Glenn Stevens said "rising fuel costs, and lower asset values, has restrained demand" he concluded with " scope to move towards a a less restrictive stance of monetary policy in the period ahead is increasing" RBA-speak for rate cuts!

Big Four Margins Increase-04/08/2008 
A report from The Sheet and InfoChoice claims the Big Four's margin on home loans has increased 30 per cent since January based on the gap between the 90 day bank bill and the standard variable.  Hardly surprising the banks don't agree.

House Prices Going Down-04/08/2008 
House prices in the capital cities continue their decline with 0.3 per cent decline on average (ABS). Perth prices fell most at 2.4 per cent in the last quarter.

Banks threaten to pocket the difference-04/08/2008 
While the RBA may consider dropping the offical rate tomorrow - lenders have indicated that they may not pass the reduction on to customers. They suggest that pressure from the government could could force banks to constrain lending and thus further stall the economy.

Could be good news for Xmas-04/08/2008 
Despite inflation most economists are predicting rates will fall by Xmas. With some predicting a 0.50% cut in November alone. Only 2 weeks ago ANZ was predicting 2 more rises but now they are predicting the next move to be a cut.

RBA Hints That Rates Have Peaked-17/07/2008 
The Australian Reserve Bank Governor Glenn Stevens yesterdat gave the strongest hint that rates have peaked. "It looks more likely now than it did a couple of months ago that this more moderate track for demand will continue," Mr Stevens said. That would "in due course begin to exert downward" pressure on inflation, he said.


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Panel of Lenders
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Best Interest Rates and Special Offers
What's Hot
in home loans
8.75% 3 Years Fixed with Unlimited Repays
Heritage Building Society have come back onto our radar with a 3 year fixed rate at 8.75% - this loan allows unlimited principal reduction and redraw. Rate lock is available
12 Month Honeymoon 8.54% No Hangover
St George are offering a 12 month variable rate currently 8.54% that allows you to switch to their discounted professional Advantage Pack
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.
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.