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About Option

We’re passionate about helping YOU.

What We Do

     What we do

About Us

We provide expert financial guidance to Home Owners, First time Home Buyers and Property Investors. With over 20 years experience we’ll ensure that you’re always getting the best assistance from one of the most professional companies in the industry.



We work FOR YOU, not the banks


The number of choices – We have access to hundreds of different loans and lenders


You can relax – We’ll do the work for you


We are flexible – We’ll come to you at a time that suits


Smooth process – Banks like to deal with us because we are very detailed and we do our due diligence


Switching is easy – We’ll manage the inquiries and paperwork


Don’t pay too much – At any time, request or change of circumstances, we can scan the lending environment to make sure you’re still getting the best deal


The cost of the consultation is 100% covered by us – Why? Because we’ll get our earnings from the lenders

With interest rates at an all time low, now is the time to have your mortgage health check.

When To Talk To Us

First Home Buyers

A very high number of first home buyers make a critical mistake when financing their first home. They use their existing bank as their lender.

Our Lending Specialists  do the paperwork on your behalf and can even help you apply for the First Home Owner Grant or other government incentives. Why go it alone? Our home loan service is at no cost to you because the lenders pay us, and you’ll have expert advice and support at every step. There may be much more attractive loan packages available, in what is generally a highly competitive market. Which can save you tens of thousands of dollars over the lifetime of your loan.

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With interest rates at their lowest levels in decades, it pays to check whether your current home loan is still right for you. It’s a time consuming task that many people put off, even though they may have the potential to save significant amounts of money.

At Option, our primary concern is: how much money we can save you. That means we work extremely hard to make sure we find your best loan option, where the savings drastically outweigh the refinancing costs. We run a status check on your current home loan and let you know whether you could save by switching. If you do decide to switch, we’ll do all the legwork for you to make it as easy as possible.

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Effective financing is one of the most powerful ways to get the most out of your investment properties. How you  fund your investment property has a major impact on the returns you may receive, so the type of loan used to buy the property should be chosen carefully.

You want to make sure they perform well. You don’t want to find out later that you could have used a different lender or structured things differently and saved tens of thousands of dollars.

Your Option Lending Specialists have access to hundreds of loans from a wide choice of lenders, including the major banks. This enables you to compare investment property loans and delve into the finer details that will make a big difference to your bottom line.

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How We Work

We will meet you at a time and place that suits you. As soon as you contact us or book an appointment, one of our lending specialists will be into touch. We aim to take the stress out of your application and keep the process as simple as we can.

Your Option Journey:

Step 1:

Meet us

We need to meet you to make sure we understand your unique circumstances. Only then, can we recommend a specific loan product that meets YOUR needs. And by finding the ideal loan product, we can potentially save you hundreds of thousands of dollars over the life of your loan.

Step 2:

Applying for the loan

Once you’ve selected your lender, we’ll help you prepare the application and guide you through the various forms we need from you. Usually, this process only takes 24-48 hours.

Step 3:

Conditional approval

The lender now provides conditional approval and begins their process of organising valuations on the property and a credit check. We remain in constant contact with the lender to make sure everything is going to plan and keep you informed as we receive information from them. At this stage, we can also help you with organising any building and pest inspections.

Step 4:

Unconditional approval

This is the big one. This is where your loan is fully approved, meaning, the bank formally approves your loan and the funds are available for you to purchase the property and settle.

Step 5:

Loan documentation

We’ll organize a time to meet you and go through all of the loan documents with you to make sure it’s all filled out correctly. Much of this we can do ourselves to save you the time and hassle.

Step 6:


Your solicitor will organise the settlement directly with the lender. Once this is complete, the property is YOURS!

Our Process

     Our Process

Your Goals 

Many Australians fail to realise the importance and advantages of reducing their mortgage debt burden. If done properly, this may help increase the amount of extra cash, they could free up by restructuring their loans. We have put together a simple checklist below. If any of these conditions apply to you, contact us now to find your best option.

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Are you trying to negotiate a better home loan rate and save money?

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Do you want to reduce debt and consolidate all your loans?

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Are you paying too much tax and have you considered investing in property?

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Are you buying your first home or selling up and moving on?

Mortgage stress, minimal increases in wage growth, and a highly competitive refinancing marketplace, means that most homeowners are looking at finding a better deal. If you have answered yes to any of these questions, you should sit down with us and find out how we can help you.

     Rate Comparison

Compare Home Loans

At Option Home Loans we source great loan deals from over 25 lenders. Contact us and we’ll manage your home loan application for you from start to finish, with expert advice at no cost to you. We work directly with our lenders to review the different types of loans and options available.

This includes negotiating with your lender and arranging the paperwork. Over time we can assist you with adjusting your home loans as your needs change.

Interest Rate Comparison Rate Monthly Repayment



Monthly Repayments

***Interest rates shown are subject to change without notice and based on information provided by the relevant credit provider. Fees and charges are payable. The rates disclosed are for a secured, principal and interest loan for the primary purpose of purchasing an owner occupied property (for Owner Occupied Loan) or an investment property (for Investment Loan) where the total loan amount is $400,000, the loan term is 25 years and the loan to valuation ratio (LVR) is 80%. For other amounts, terms and LVRs, different rates may apply. The comparison rate is based on a $150,000 loan for a term of 25 years. WARNING: this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.