Home Loans for Public Servants

We're Mortgage Brokers helping Public Servants Australia-wide. Get help with your Home Loan, Investment Loan, Refinancing and more!

Rated 5 from 54 Reviews

Home Loans for Public Servants

Home Loans

With access to hundreds of Home Loans, we're sure to be able to find the right one for you
Home Loans
Investment Loans for Public Servants

Investment Loans

We have access to hundreds of Investment Loan options, let us help you find the best one for you
Investment Loans
Refinancing for Public Servants

Home Loan Refinancing

Whether you're coming off a fixed rate or paying a variable rate, chances are we can help
Refinancing

First Home Buyers

First Home Buyers

We can help you understand what grants you're eligible for and get you into your first home
First Home Buyers
SMSF Loans for Public Servants

SMSF Loans

We can help you purchase residential properties through a self-managed super fund.
SMSF Loans
Car Loans for Public Servants

Car Loans

We can help access car loan options from banks and lenders across Australia with ease
Car Loans
Debt Consolidation Loans

Debt Consolidation Loans

Find a solution for streamlining multiple debts into a single, manageable payment
Debt Consolidation Loans
Low Deposit Loans for Public Servants

Low Deposit Loans

Struggling with a deposit? A Low Deposit loan could help.
Low Deposit Loans
Other Ways we can help

Who we Help

We offer finance help for clients nation-wide. If it can be financed, we can probably help.
Who we Help

Reviews for Public Home Loans

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Ingrid Rollero

Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!

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Elizabeth Bottomley

Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura Financial Mortgage Broker (and especially Carl) if you are someone who is looking to get your foot into the market!

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Kirsten Turco

Nick gave us a friendly service & was extremely helpful. Highly recommended!

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Harry

Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!

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claudia alvarez

I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela

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Javier Gómez

Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.

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Glen Ashley

Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.

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Samuel Hogarth

Carl was extremely professional and attentive with our situation. He kept us well informed (and calm) throughout the process. Thanks so much for getting us the best option in a tough market!

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Sam Wicks

My wife and I had a very positive experience with Carl, who was helping us organise our first home loan. Carl was responsive and managed to secure us a very competitive rate in a limited timeframe. We are truly thankful for his assistance, and would definitely recommend!

Not sure where to start?

Book a chat with a Finance & Mortgage Broker at Public Home Loans and we can help point you in the right direction.

Public Home Loans

About Public Home Loans

Public Home Loans is Australia's dedicated mortgage brokerage for Public Service employees and public servants nationwide. We established our business after hearing countless stories of home buyers being overlooked by the major banks and dismissed by large mortgage broking firms.

We're committed to securing the right financial solution for our clients—whether you're after a home loan, investment property loan, car loan, or construction loan. Our exclusive technology platform enables us to service most clients entirely online, whilst we remain readily available for a chat whenever you need us.

As qualified mortgage brokers, we work alongside the big four banks, regional lenders, and non-bank lenders to find the most suitable loan for your circumstances. With access to over 2,000 loan products from lenders right across Australia, we're confident that once we understand your financial situation, we can locate the best option for you. We can also provide a solid indication of which products you'll qualify for before you lodge an application, ensuring your credit rating remains unaffected and you won't spend days waiting around for an answer.

Recent client testimonials describe our service as "extremely professional," highlighting our "exceptional service" and noting that we "handle all the legwork." We're also a proud member of the Mortgage and Finance Association of Australia.

Whether you're looking to purchase, refinance, build, or buy a new car, Public Home Loans is here to assist. Feel free to book a time for a chat with one of our Licensed Mortgage Brokers to see how we can help you achieve your goals.

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Frequently Asked Questions

Can you help with loans other than home purchases?

Absolutely. While we specialise in home loans for public servants, we also assist with refinancing, investment property loans, construction loans, land purchases, and car loans. We understand the financial needs of teachers, nurses, police officers, and other public sector workers and can tailor loan solutions to suit your employment structure and benefits.

I’m on a structured government pay scale, does that help my application?

Yes. Government pay scales offer predictable, incremental increases, which many lenders see as a sign of long-term financial stability. This can positively influence both your borrowing capacity and loan approval prospects.

Are there government grants or schemes I might be eligible for?

Yes. As a public servant, you may qualify for various state and federal initiatives such as the First Home Guarantee or stamp duty concessions. We stay up to date with all relevant schemes and will help you understand what’s available based on your circumstances.

Who is eligible to use Public Home Loans' services?

We support current and former employees in all areas of public service, including education, healthcare, emergency services, defence, and government departments at the federal, state, and local levels. We understand the job stability, pay structure, and allowances common in these roles and can leverage that to your advantage when applying for a loan.

What documents will I need to provide for my loan application?

You'll typically need payslips, a recent group certificate or tax return, bank statements, and ID. If you're on a government salary, have salary packaging, or receive additional allowances, we know how to present these to lenders to demonstrate your full income potential. We’ll give you a checklist tailored to your role.

Do you understand how salary packaging affects my borrowing power?

Yes. Many public servants, especially in healthcare and education, use salary packaging or receive fringe benefits. We understand how different lenders assess packaged income and can help ensure your full income potential is recognised in your loan application.

I work for a federal agency, do you understand how my pay and benefits are structured?

Yes. We’re familiar with the pay scales, entitlements, and allowances common across federal departments like the ATO, NDIA, Services Australia, and Centrelink. This insight allows us to present your income accurately to lenders and maximise your borrowing potential.

Do you offer special loan features for public sector workers?

Yes, we often help clients access features like waived LMI for eligible professionals (e.g. nurses or police officers), interest-only repayments for investors, or offset accounts for better cash flow. We’ll help structure a loan that complements your long-term financial goals.

I’ve recently accepted an interstate government role, can I get a loan before I relocate?

Yes. If you’ve received a formal job offer or contract from a government department in another state, many lenders will accept this as proof of future income. We can help you secure pre-approval before you move, so you’re ready to purchase when the time is right.

Can you help me apply for a home loan jointly with another public servant or family member?

Definitely. Many of our clients apply jointly with spouses, siblings, or partners who also work in the public sector. We know how to structure these applications to combine incomes, strengthen the case for approval, and explore any joint eligibility for government support schemes.

Ready to speak to an expert?

Book a chat with a Finance & Mortgage Broker at Public Home Loans today.