The right home loan
What is the best home loan?
It depends.
The lowest rate and the cheapest looking loan are not always the best ones. The right home loan is the one built around your life, your goals and your plans. That is what we help you find, and it is free for union members and their families.
- Free for members
- 60+ lenders compared
- Local Brisbane team
$0 cost to members
60+ lenders compared
1 broker, start to finish
Beyond the rate
The rate matters. It is not the whole story.
Most people compare home loans on the interest rate alone. It counts, but how your loan is structured can make just as much difference over the years you hold it. It usually starts with one choice.
Certainty
Fixed rate
Your rate and repayments stay put for a set period, so you always know exactly where you stand.
Best if you want predictable repayments you can budget around.
Flexibility
Variable rate
Your rate can move with the market, usually with more freedom to pay the loan down faster.
Best if you want flexibility and room to get ahead.
A bit of both
Split loan
Fix part of your loan and keep part variable, balancing steady repayments with flexibility.
Best if you want some certainty without locking it all in.
Features that pull their weight
Small features, real difference.
The right features can save you money over the life of your loan. These are the ones worth understanding.
Offset account
Park your savings against your loan and only pay interest on the difference. Your everyday money works harder.
Redraw facility
Get at the extra repayments you have already made if you ever need them, without a separate loan.
Extra repayments
Pay more when you can and chip down the balance faster, cutting the interest you pay over time.
Wherever you are up to
One team for every stage.
You do not need to have it all worked out. Whatever you are doing, we will help you find the loan that fits it.
Not sure your current loan is still the right fit? That is one of the most common reasons members get in touch, and one of the easiest things for us to check.
How we help
Three steps, no pressure.
We keep it simple and human. Here is how a chat with us actually works.
Understand your circumstances
We take the time to learn where you are, what you own, and what you are trying to do next.
Explain your options
We compare 60+ lenders and walk you through the choices in plain English, rate, structure and features.
Find your best fit
We help you land on the finance solution that suits your life, then handle the paperwork to get you there.
1
Understand your circumstances
We take the time to learn where you are, what you own, and what you are trying to do next.
2
Explain your options
We compare 60+ lenders and walk you through the choices in plain English, rate, structure and features.
3
Find your best fit
We help you land on the finance solution that suits your life, then handle the paperwork to get you there.
Why members come to us
On your side, not the bank's.
We work for you, not for any one lender. That is what lets us give you a straight answer.
Free for members
Our service costs you nothing. It is a member benefit, plain and simple.
60+ lenders, one search
We compare a wide panel in one go so you see real options, not just one bank’s offer.
Straight answers
No jargon, no spin. We explain the trade offs so you can choose with confidence.
Anywhere in Australia
we help members all over the country.
Book a free chat
Let us find your best fit.
Pick a slot and a local broker will give you a no pressure call. About 30 minutes, and you will come away knowing your real options.
- Free for members
- No obligation
- Nothing on your credit file
Prefer to talk now? Call 1300 760 688
GOOD TO KNOW
Questions, answered straight.
So what is the best home loan?
There is no single best loan. There is the one that best fits your situation. The right rate type, structure and features depend on your goals, your income and your plans, which is exactly what we help you work out.
Is a lower interest rate always better?
Not always. A slightly higher rate with the right features, like an offset account, can leave you better off overall. We look at the whole picture, not just the headline number.
Should I fix my rate or stay variable?
It depends on how much certainty you want versus flexibility. Fixed locks in your repayments, variable gives you more freedom, and a split gives you some of each. We talk it through against your plans.
Can you review my current loan?
Yes, and it is one of the most useful things we do. We check whether your existing loan is still competitive and still suits you, and tell you honestly if it is worth changing.
Is this really free?
Yes. Our service is free for members and their families. Lenders pay us a standard commission when a loan settles, and that does not change your rate.
Who can use this service?
Members of participating workplace organisations and their immediate family. If you are not sure whether you qualify, book a chat and we will sort it out quickly.
Will talking to you affect my credit score?
No. An initial chat is just a conversation. Nothing is submitted to a lender and nothing touches your credit file until you decide to go ahead.
There is no best loan. There is your best loan.
Book a free, no pressure chat with a local broker who will help you find it.
Or call 1300 760 688
We're here to help. Contact us
Union Shopper
1300 760 688
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