Rated 5 from 51 Reviews
At Public Home Loans, we understand that public servants have unique financial needs and challenges. Our dedicated team of Finance & Mortgage Brokers is here to help you access loan options from banks and lenders across Australia. Whether you're looking to buy your first home, refinance your existing mortgage, or invest in property, we offer tailored solutions designed to meet your specific circumstances. With our expertise, you can explore better loan options and find the most suitable interest rates for your situation. Let's take a closer look at how we can assist you in making informed financial decisions.
Our Finance & Mortgage Brokers are committed to helping you make the most of your home loan. One of the key services we offer is a comprehensive loan health check. This involves reviewing your current home loan rate to determine if there are opportunities to access a lower interest rate or better loan features. If you've been thinking about topping up your home loan for renovations or considering buying an investment property, our team can guide you through these processes. We can also assist with switching between fixed and variable interest rates or altering the loan term to suit your financial goals. By regularly reviewing your loan, you can ensure it continues to meet your needs and potentially save money in the long run.
Another area where our expertise shines is in helping clients consolidate debts and reduce loan repayments. If you're feeling weighed down by multiple debts, consolidating them into a single loan can simplify your finances. We can assist you in finding a loan amount that covers your existing debts, potentially resulting in lower interest rates and more manageable repayments. Additionally, if you're aiming to pay off your home sooner, our brokers can help you strategise ways to reduce or lock in your repayments, ensuring you're on the right track to financial freedom.
For those interested in releasing equity in their property, our brokers provide guidance on how you can use this equity to buy your next property or fund significant life goals. Releasing equity can be a strategic way to access funds without selling your home. Our team helps you understand how much you can save and what steps are involved in accessing this equity. Moreover, if you're planning renovations or considering investing in another property, leveraging the equity in your existing home could be a viable option.
In addition to these services, we offer support for refinancing. Our brokers stay informed about the latest refinance interest rates and can help you assess if refinancing is a beneficial move for you. By refinancing, you might achieve better loan options or access a lower interest rate, ultimately reducing your long-term financial burden. Whether you're looking to change your loan term or explore different repayment structures, our team is here to provide the insights you need.
At Public Home Loans, our mission is to empower public servants with the knowledge and tools required to make sound financial decisions. Our Finance & Mortgage Brokers are dedicated to providing personalised service and expert advice, ensuring you have access to the best options available. If you're ready to explore how we can help optimise your home loan situation, contact us today for a mortgage health check. Let us assist you in reaching your financial goals with confidence and ease.
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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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