Residential Property Loans

Helping Australians Own Homes with Smart Lending Solutions

Residential Property Loans

Whether you’re buying your first home, upgrading to your dream house, or refinancing for better value, APW Finance makes it simple.
Our lending specialists work closely with you to secure competitive rates and craft personalised residential loan solutions—bringing clarity, confidence, and long-term value to your homeownership journey.

Quick Enquiry Form

Your Home Goals, Our Loan Strategy

Residential property loan features:

First-Home Friendly Borrowing:

Borrow with confidence—whether it's your first step or your next one. Access options with as little as 5% deposit (T&Cs apply).

Flexible Repayment Options:

Choose from fixed, variable, or split-rate home loans with terms up to 30 years and redraw or offset features available.

Refinancing Made Simple:

Looking to save or access equity? We make switching easy with personalised support, competitive rates, and faster approval times.

Support at Every Stage:

From pre-approval to settlement, our expert brokers guide you through the home loan process with clarity, care, and smart solutions.

Smarter Residential Property Loans for Homebuyers

Flexible finance made simple—perfect for first homes, next homes, or refinancing your future.

First Home Buyers

Buying your first home is a big step—APW Finance makes it easier. From government grants to low-deposit loans, we guide you through every detail, securing lending solutions that support your dream of stepping into property ownership with confidence.

Next Home or Upgrade

Ready for your next move? Whether you're upgrading for more space, lifestyle, or family growth, we’ll tailor your home loan to fit your new goals—ensuring flexibility, smart borrowing, and expert advice throughout your property upgrade journey with APW Finance.

Refinancing & Restructuring

Unlock better loan terms with refinancing. Whether you want a lower rate, faster payoff, or extra funds for renovation or investment, our refinancing experts will handle everything—making switching lenders smooth, cost-effective, and strategically beneficial for your future financial growth.

Your Perfect Loan Starts With the Right Partner

From paperwork to approval, we make your lending journey fast, smooth, and stress-free..

APW Finance - Residential Property Loan FAQs

What is a residential property loan?

A residential loan helps you buy, build, or refinance a home. It offers long-term repayment options, lower rates, and supports owner-occupied or investment property purchases across Australia.

What documents are required for a residential property loan?

Common requirements include ID, proof of income, tax returns, bank statements, property contract, and liabilities. Lender-specific requirements may vary depending on loan type, amount, and employment status.

How much can I borrow for a home?

Borrowing capacity depends on your income, debts, expenses, deposit size, and credit score. Most lenders offer up to 90–95% of the property's value with lender's mortgage insurance (LMI).

Who can apply for a residential loan?

Any Australian resident with a stable income and good credit history can apply. First-home buyers, upgraders, investors, and refinancers are all eligible, subject to lender-specific approval criteria and borrowing power.

What types of properties are eligible for residential loans?

Eligible properties include standalone houses, apartments, townhouses, units, and house-and-land packages—whether owner-occupied or investment-based—subject to valuation, lender criteria, and the property’s livability and resale value.

Can I get flexible terms with home loans?

Yes, home loans can include fixed or variable rates, redraw facilities, offset accounts, and repayment terms from 1 to 30 years—offering options that suit your financial situation and long-term plans.

314/20a Lexington Drive Bella Vista NSW 2153

+61 447 959 546

info@apwfinance.com