Home Loan Solutions for Every Situation
Whether you’re buying your first home, refinancing to a better rate, building an investment portfolio, or accessing the equity you’ve worked hard to build — Assembly Finance has the expertise and lender panel to find the right solution for you. We work with a broad range of lenders including major banks, credit unions, and specialist non-bank lenders to find competitive deals tailored to your circumstances.
Our Home Loan Services
🏠 First Home Buyer Loans
Getting your foot on the property ladder is one of the most important financial steps you’ll take. We guide first home buyers through every stage — from understanding your borrowing capacity to accessing government grants and stamp duty concessions, selecting the right loan, and settling with confidence. We’re accredited to arrange loans under the First Home Guarantee scheme, allowing eligible buyers to purchase with just 5% deposit and no LMI.
Read our First Home Buyer Guide →
🔄 Refinancing
If you haven’t reviewed your home loan in the last 2–3 years, you’re almost certainly paying more than you need to. We offer a free home loan health check — comparing your current rate against the market and identifying exactly how much you could save. Many clients save $3,000–$8,000 per year simply by switching to a more competitive lender.
📈 Investment Property Loans
Building a property portfolio requires more than just finding a low rate. Loan structure, interest-only periods, offset account strategy, and the sequence in which you approach lenders all have a major impact on your tax efficiency and future borrowing capacity. We specialise in investment property finance and have helped clients grow portfolios of 5+ properties with the right structure in place from day one.
Read our Investment Property Loan Guide →
📄 Low-Doc Loans for the Self-Employed
Self-employed? A contractor or small business owner? Don’t let a lack of traditional payslips stop you from accessing competitive finance. We work with a range of lenders offering low-documentation and alternative documentation loans, using BAS statements, accountant declarations, and bank statements to verify income. Rates have never been more competitive in this space.
💰 Low Deposit Home Loans
Don’t have 20% saved? There are more options than ever for buyers with smaller deposits. From the First Home Guarantee (5% deposit, no LMI) to guarantor loans and professional LMI waivers, we find the most cost-effective path into the market for buyers at every deposit level.
Read our Low Deposit Home Loan Guide →
🏗️ Construction Loans
Building a new home or investment property? Construction loans work differently from standard mortgages — funds are released in stages as your build progresses, and you only pay interest on what’s been drawn. We manage the entire process from land purchase and pre-approval through to the final draw-down and conversion to a standard mortgage.
Read our Construction Loan Guide →
🌉 Bridging Loans
Found your next home before selling your current one? A bridging loan lets you complete the purchase without waiting for your existing property to settle — so you never have to make a rushed decision under time pressure. We help structure bridging arrangements that minimise interest costs and clearly map your exit path.
Read our Bridging Loan Guide →
🏦 SMSF Loans
Using your self-managed super fund to purchase investment property through a Limited Recourse Borrowing Arrangement (LRBA) is a powerful strategy for the right investors. We work with specialist SMSF lenders and can help you understand whether this approach is appropriate for your fund, and how to structure it correctly.
⚡ Interest-Only Loans
Interest-only loans are a key tool in the property investor’s toolkit — maximising tax deductions while minimising cash outflow. We help investors structure IO loans correctly (and avoid the tax traps that come from poor structure), and ensure you understand the repayment implications when the IO period ends.
Read our Interest-Only Loan Guide →
🔧 Renovation Finance
Renovating your home or investment property? We help you access equity, structure renovation finance correctly, and understand the tax treatment of improvements — so you can maximise the return on your renovation spend.
Read our Renovation Finance Guide →
Why Choose Assembly Finance?
Broad Lender Panel
We compare options across major banks, credit unions, and specialist non-bank lenders — not just one or two options.
Free Service
Our service costs you nothing. We’re paid by lenders, so you get expert advice and comparison at zero cost to you.
Investment Specialists
We go beyond rate comparison — we structure your loans for tax efficiency, maximum borrowing capacity, and long-term wealth building.
Available When You Need Us
We’re available evenings and weekends — finance doesn’t only happen between 9 and 5.
End-to-End Support
From first conversation to settlement and beyond — we’re with you at every stage of the process.
Free CGT Calculator
Use our free Capital Gains Tax Calculator to model the tax implications of selling any investment property.
Ready to Get Started?
Whether you’re buying, refinancing, or planning your next investment — we’d love to help. Book a free, no-obligation consultation with James today.