Rated 5 from 51 Reviews
At Public Home Loans, we understand the unique financial needs of public servants and are dedicated to helping you access the best loan options from banks and lenders across Australia. Our team of experienced Finance & Mortgage Brokers is committed to guiding you through the process of securing a home loan that suits your lifestyle and financial goals. Whether you're looking to reduce loan repayments, change your loan term, or release equity to buy your next property, we have the expertise to support you every step of the way.
One of the key services we offer is helping you access a lower interest rate on your existing mortgage. With interest rates fluctuating, it’s crucial to regularly review your loan to ensure you're benefiting from the best terms available. Our finance and mortgage brokers can assist you with a comprehensive mortgage health check, assessing your current home loan rate and identifying opportunities for savings. If your fixed rate is expiring, we can help you transition smoothly to a roll off rate or explore refinancing interest rates to see how much you can save. Additionally, if you're considering switching between fixed and variable rates or altering the loan term, we provide tailored advice to meet your specific needs.
Releasing equity in your property is another valuable service we offer. This option allows you to tap into the value of your current home to finance new ventures. Whether you're planning renovations, thinking about topping up your home loan, or considering buying an investment property, we can guide you through the process. Releasing equity can also facilitate debt consolidation, giving you the chance to consolidate debts and reduce loan repayments. Our brokers are adept at finding better loan options that feature favourable terms and conditions to suit your evolving financial situation.
For those public servants aiming to pay off your home sooner or looking to reduce or lock in your repayments, we provide strategic guidance tailored to your objectives. As your fixed rate term comes to an end, our team will work with you to ensure smooth transitions and continued access to better loan features. We understand that life circumstances can change, whether you’re planning for retirement or expanding your property portfolio. Therefore, we encourage regular reviews and a proactive approach towards managing your finances. By engaging in a loan health check, you can optimise your mortgage situation and take advantage of opportunities as they arise.
Our commitment at Public Home Loans is to provide personalised service with a focus on achieving the best outcomes for public servants. We invite you to contact us for a consultation where we can delve into your financial situation and explore how our services can be tailored to meet your needs. Whether you're coming to the end of a fixed-rate term or simply curious about how much you can save, our finance and mortgage brokers are here to assist. Let us help you access a lower interest rate, release equity for future plans, and ultimately put you on a path towards financial confidence.
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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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