About Public Home Loans
We're the Home Loan and Investment Loan Experts for Public Servants
Rated 5 from 51 Reviews
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Rated 5 from 51 Reviews
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.
Initial Consultation with Your Mortgage Broker
Your property financing journey commences with a comprehensive consultation. Whether you're purchasing a family home, investment property, or commercial premises, your mortgage broker will discuss your property objectives, explain the application procedures, and review your current financial circumstances. This initial meeting establishes the foundation for identifying suitable loan options. Your broker will also present various loan products available from banks and lenders throughout Australia, ensuring you access competitive rates and terms.
Comprehensive Financial Review
Your mortgage broker will conduct a detailed evaluation of your financial position, examining your income streams, expenditure, assets, debts, credit history, and existing property equity. This thorough assessment is essential for determining your borrowing capacity and establishing the maximum loan amount you can pursue. Your broker will clarify important financial concepts such as loan-to-value ratio (LVR), interest rate discounts, and lenders mortgage insurance (LMI) requirements based on your particular circumstances.
Loan Product Comparison
Following your financial assessment, your broker will analyse various loan products from multiple lenders, considering factors including interest rates, ongoing fees, repayment structures, and available features. Your broker will also explain the distinctions between fixed and variable interest rates and how each option may impact your future repayments. The objective is to identify a loan that aligns with your requirements, whether for owner-occupier, investment, or additional property purchases.
Securing Pre-Approval
Obtaining loan pre-approval represents a significant milestone in your property journey. This process provides an initial commitment from a lender regarding your potential borrowing capacity. Pre-approval enables you to establish a realistic budget and approach property purchases with greater confidence. It also enhances your negotiating position in the property market, demonstrating to vendors that you're a qualified and serious purchaser.
Formal Application Submission
Once you've selected your preferred loan product, your mortgage broker will manage the formal application process. They'll handle all documentation requirements, gather necessary supporting materials such as financial statements, and lodge your application with the chosen lender. Your broker will maintain ongoing communication with the lender throughout the assessment period, providing regular updates and resolving any queries that emerge.
Loan Approval and Documentation
Upon loan approval, your broker will guide you through the finalisation process. This typically involves reviewing the formal loan contract, ensuring you understand all terms and conditions, and arranging any required insurance coverage, including mortgage protection insurance. Your broker will also assist with establishing repayment arrangements and provide guidance on effective loan management strategies.
Settlement and Property Transfer
Once all documentation is finalised, settlement proceeds. This is when loan funds are released and legal ownership transfers to you. For property purchases, it's advisable to engage a solicitor or conveyancer to ensure a smooth transfer process. Post-settlement, your lender will typically provide online account access, and you'll commence regular loan repayments, helping you maintain control of your financial obligations.
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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!
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Samantha Bartlett
Working with Nick was so fabulous! He’s very experienced and a pleasure to work with and was always happy to go above and beyond to help. I recommend his services highly!
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Mayur Solanki
Nick and the team are awesome. They helped and patiently guided me through the entire process. In every step of the process they stayed available and in constant contact. All the communications were clear and transparent. I will definitely use them again.
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Ellie
Nick has been amazing! He successfully got me my home loan. He is professional and friendly to deal with. See you for the next property!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
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