Understand & Explore
We review your goals, borrowing capacity, and lender options so you know what may be possible before taking the next step.
Home is More Than A Place.
It's A Feeling.
A home isn't just four walls — it's where life unfolds. We're here to help you choose a home loan that feels right, with clear, personal guidance.
Let's talkHelping you find the home loan that fits
Buying a home is one of life's biggest decisions, and the right loan should support more than just the purchase in front of you.
At Boutique Finance, we help you understand your options with clarity — from first home buyer support and refinancing to investment and next-home lending. We look at where you are today, where you're heading, and what your loan needs to do for your lifestyle, family, work, and future plans.
Because the right home loan should not just work on paper. It should give you the freedom, flexibility, and confidence to move into your next chapter.
Residential Lending Services
Home loans for every kind of buyer.
Home Purchase Loans
Support for first home buyers, next-home buyers, low-deposit borrowers, and clients looking for the right loan to purchase residential property.
Investment Property Loans
Lending guidance for residential property investors, including SMSF residential property loans and investment-focused loan structures.
Refinancing & Loan Optimisation
Review your current loan, explore repricing or refinancing options, and restructure your lending to better suit your goals.
Construction & Renovation Loans
Finance support for building, renovating, or improving a residential property, with guidance through the construction lending process.
Equity Release & Cash Out Loans
Access available equity in your home to support renovations, investment plans, business needs, or other future goals.
Complex Income & Specialist Lending
Support for self-employed borrowers, complex income structures, interim income, future projected income, and specialist lending scenarios.
We do the legwork, so you can move forward with confidence.
Choice
We compare suitable lenders, loan options, and structures — helping you see what fits your goals beyond just the rate.
Service
Responsive support from first conversation to settlement — keeping the process clear, organised, and easier to navigate.
Advice
A clearer lending process from start to finish — with support that keeps things organised, simple, and moving forward.
Four clear steps to a home loan that fits your future
Getting a home loan should feel clear, not complicated. Our process helps you move from the first conversation to settlement with structure, guidance, and confidence at every step.
Prepare & Pre-Approve
We help collect the right documents, prepare your application, and guide you through pre-approval so you can begin your property search with confidence.
Search, Apply & Approve
Once you find a property and make an offer, we support the valuation, final approval, and loan document process so everything keeps moving clearly.
Support beyond settlement
We guide you through settlement, provide post-settlement support, and continue with ongoing periodic reviews to help your loan stay aligned with your goals.
FAQs
Frequently Asked Questions
How much deposit do I need to buy a home in Australia?
Most lenders generally prefer a 20% deposit when buying a home. However, some borrowers may be able to purchase with a smaller deposit depending on their situation, lender policy, profession, and eligibility for certain government schemes.
In some cases, eligible buyers may be able to purchase with as little as 5%, or even 2% through selected government schemes. Some lenders may also offer 90% to 95% lending without Lenders Mortgage Insurance for eligible professionals, including medical practitioners, registered nurses, and other approved occupations.
It is important to note that deposits under 20% may attract Lenders Mortgage Insurance unless a waiver, exemption, or scheme applies. At Boutique Finance, we help you understand your deposit requirements, LMI position, and suitable lender options before you apply.
Customers Testimonial
Our Customers Love and Trust Us
They made our first home loan feel effortless. Clear advice, zero jargon, and a rate we did not think we could get.
As a GP, my income structure is unusual. Boutique knew exactly which lenders to approach — settled weeks ahead of expectations.
Refinanced our commercial property with a structure that freed up real cash flow. Genuine, ongoing partners.
Responsive, honest and genuinely on our side. We have already referred three friends.
We're All Ears!
Schedule an online appointment and let's have a chat about what you need and how we can help.
Book Appointment