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Home loans

Are you starting the journey to own your dream home in Australia? Stanford Financial can guide you through your home ownership journey. Specialising in individually curated home loans in the Brisbane and South East Queensland area, we’ll be your partner, ensuring that the path to your Australian home is smooth, educational and aligned with your circumstances.
Explore home loans
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We tailor every home loan to your circumstances across Queensland, so the path to your next home is straightforward and genuinely yours.

A home loan broker compares home loans across multiple lenders and manages the application to settlement. Stanford Financial holds a panel of more than 60 banks and lenders, covering first home loans, refinancing, construction, investment, low deposit, guarantor, bad credit and separation lending. Standard residential broking carries no fee to the client, because the lender pays commission on settlement.

First home loan

The experience of buying your first home doesn’t have to be scary. Our mortgage brokers support you along your journey, making educated decisions with you; not for you.
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Refinancing loan

When was the last time you refinanced? You could be paying a loyalty tax! Allow us to help you refinance your home loan, and put some of your hard earned dollars back into your own pocket
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Investment loan

You’ve got goals - and we’ll help you get there. We are experts at crafting strategies tailored to help grow your portfolio and get you to where you want to go.
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Bad credit loan

If you have bad credit, come to Stanford Financial for an ‘out-the-box thinking’ chat with our team. We promise to give you our unwavering commitment to your homeownership dreams.
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Seperation loan

Get back on your feet with our experienced team. Having had regular training with our sister company, Stanford Legal, our team will provide holistic lending advice on your home loan options following a separation.
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Construction loan

You’ll get more than finance when you partner with us. We have deep insights into government grants and the skill of finding construction loans.
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Low deposit loan

Saving a full deposit can feel like a moving target. Our mortgage brokers specialise in low deposit home loan options, helping you get into the market sooner without waiting years on the sidelines.
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Home reno loan

You’ve got goals - and we’ll help you get there. We are experts at crafting strategies tailored to help grow your portfolio and get you to where you want to go.
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Specialist lending

Work out your loan to value ratio, the figure lenders use to assess risk and set your loan terms.
Need specialist lending?
OUR ACCREDITED NETWORK

With access to 60+ banks and lenders, we ensure that you get the best options.

More options mean a better deal. We compare across the panel so you land the right loan, not just the easy one.
QUESTIONS

Frequently asked questions

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How much can I borrow for a home loan?
The amount you can borrow for a home loan depends on several factors, including your income, expenses, existing debts, and credit history. At Stanford Financial, we evaluate your financial situation to determine the maximum loan amount you qualify for, ensuring it aligns with your repayment capability. You can get a rough estimate using our online home loan calculator or schedule a consultation with one of our loan advisors for a more precise assessment.
How much deposit do I need for a home loan?
The minimum deposit required for a home loan typically ranges from 5% to 20% of the property’s purchase price. The exact percentage can vary based on the loan product and your financial circumstances. A larger deposit might help you secure better interest rates and avoid the cost of Lenders Mortgage Insurance (LMI). We recommend discussing your deposit options with a Stanford Financial loan specialist to find the best solution for your needs.
What is the LVR of a home loan?
The Loan to Value Ratio (LVR) is a measure used by lenders to assess the risk of a home loan. It is calculated by dividing the loan amount by the value of the property being purchased, expressed as a percentage. For example, if you’re borrowing $300,000 to purchase a $400,000 property, your LVR would be 75%. A lower LVR generally represents lower risk for the lender and may result in more favourable loan conditions.
How to apply for a home loan?
Applying for a home loan with Stanford Financial is straightforward.
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1. Kick-off Conversation: Your journey starts with a consultation with one of our experienced lending advisors.
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2. Analytical Prep: A dedicated Credit Analyst gathers and prepares the documentation we need.
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3. Exploration of Options: Your Lending Advisor presents the home loan options best suited to your circumstances.
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4. Drafting Your Application: Your Analyst prepares your application, making sure every detail aligns with your goals.
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5. Fine-tuning and Submission: We refine the finer details and finalise your application before submitting it for approval.
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6. Celebrating Approval: Once your loan is approved, your Settlement Coordinator reaches out with the good news and guides you through the final steps.
Does HECS debt affect home loan?
Yes, your Higher Education Contribution Scheme (HECS) debt can affect your home loan application. While it is not considered as negatively as other types of debt, your HECS debt reduces your overall borrowing capacity as it is a financial commitment that must be repaid from your income. Lenders, including Stanford Financial, take your HECS debt into account when assessing your loan application, evaluating your income and repayment capacity. It’s important to disclose any HECS debt during the application process.

Meet your expert mortgage broker team

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Logan Stanford

Managing Director
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Steven Beach

Lending Director
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Richard Grainger (Richie)

Senior Lending Adviser
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Sheree Pendergast

Lending Support Manager
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Renata Small

Client Experience Manager
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Mitchell White (Mitch)

Lending Support Manager
TESTIMONIALS

Trusted by families across Australia

"I simply can’t thank and commend Richie, Steven, Renata and the whole team at Stanford Financial enough for making my mortgage refinance as smooth as humanly possible."
Dan
Stanford Financial Client
"We are so Blessed with our new Home. Thanks to Stanford Legal, Laura was a joy to communicate with anytime we needed to enquire. Quick, reliable and very Trustworthy."
Katrina Emberson
Stanford Legal Client
"We are beyond grateful for Richie and the team at Stanford! 🙌🏻 Through every hurdle and challenge, they went exceptionally far to help get our application through."
Khirsten Mamangun
Stanford Financial Client
"One thing I always love and look for when choosing people to guide me is how much time and presence they give. They treated us like we were the only client they had."
Dragica Radosavljevic
Stanford Legal Client
"All the team at Stanford were good to deal with. If you're a Veteran struggling to get a loan approved because you're on Incaps, or Super, speak to them."
Stewart S
Stanford Financial Client
"This is the second time we’ve used stanford financial, and once again the experience was outstanding."
Blake Whitehead
Stanford Financial Client
"Phenomenal service. Thank you to the Stanford Legal team for all your help & guidance."
Bryony Winsor
Stanford Legal Client
"I can’t recommend Stanford legal enough. All 3 property sales have been seamless, professional and efficient. The team are amazing and will look after you."
Christie Johnston
Stanford Legal Client
"The team at Stanford Financial are brilliant! I was referred to them by a friend and dealing with them has been a fantastic experience."
Andrew Bell
Stanford Financial Client
"I honestly can't thank the team enough at Stanford Financial, especially Richie and Mitch! They both went above and beyond to get my finance sorted, and they did it all within 24 hours!"
Jamie Harris
Stanfor Financial Client

Our awards

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Ready to talk about your next move?

Whether you're buying your first home, refinancing, or building a portfolio, our team is ready to guide you on your journey.
0483 980 002
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