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Home loans
From first home to forever home, we’ll compare options and structure your application clearly.
Discuss your options ↗
Talk to Johann0402 107 260Get startedMORTGAGE BROKER — PATTERSON LAKES, MURRUMBEENA & MELBOURNE
Home loans,
made human.
Clear advice, personal service and lending options shaped around your life—not the other way around. Based in Murrumbeena and helping clients across Melbourne.
30+ lenders comparedOne dedicated broker100% personalised support
chasing. More time
broking.Explore workflow & automation →
A BETTER WAY TO BORROW
Finance should feel
clear, not complicated.
Whether you’re buying, refinancing or investing, big financial decisions deserve more than a quick product comparison.
We take the time to understand what matters to you, explain your options in plain English and stay beside you from first conversation to settlement.
See how we make it simple →WHAT WE CAN HELP WITH
More than a loan.
A smarter way forward.
Every situation is different. Your lending strategy should be too.
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Refinancing
Review your current loan, explore a better rate and create more room in your monthly budget.
Discuss your options ↗03
Investment loans
Finance structured around your investment goals, cash flow and longer-term property strategy.
Discuss your options ↗04
More lending solutions
Construction, commercial, car finance and debt consolidation—all with one point of contact.
Discuss your options ↗FOR MORTGAGE BROKERS
Explore Broker Systems & Automation →A better workflow for your brokerage.
Practical Salestrekker workflows, client communications and task automations—designed by a broker who understands the work behind every deal.
ADVERTISED RATE SNAPSHOT
What leading lenders
are advertising today.
Compare selected publicly advertised variable and fixed rates for new owner-occupier principal-and-interest loans—not necessarily the best rate available to you.
We may be able to negotiate or find you a better rate based on your circumstances.Let Johann compare your options →| Lender & product | Advertised rate | Comparison rate | Key criteria | Source |
|---|---|---|---|---|
| W WestpacFlexi First Option | 6.09%p.a. | 6.10%p.a. | Owner occupier, P&I, LVR ≤ 80% | Official rate ↗ |
| M MacquarieBasic Home Loan | 6.04%p.a. | 6.06%p.a. | Owner occupier, P&I, LVR ≤ 60% | Official rate ↗ |
| C CommBankStandard Variable Rate with Wealth Package | 6.34%p.a. | 6.72%p.a. | Owner occupier, P&I, LVR ≤ 60%; Wealth Package | Official rate ↗ |
| N NABTailored Home Loan | 6.09%p.a. | 6.22%p.a. | Owner occupier, P&I, LVR ≤ 70% | Official rate ↗ |
| A ANZSimplicity PLUS | 6.39%p.a. | 6.39%p.a. | Owner occupier, P&I; eligibility applies | Official rate ↗ |
Checking official lender pages…
Important: This is a general advertised-rate snapshot, not a complete market comparison, personalised quote or recommendation. Rates, discounts, fees, LVR limits and eligibility can change. A comparison rate is based on a $150,000 loan over 25 years and may not include all fees and charges. Different terms, fees or loan amounts may result in a different comparison rate.
HOW IT WORKS
From “where do I start?”
to “we’re home.”
No jargon. No disappearing acts. Just a straightforward process and a broker who keeps you informed.
Start the conversation →Tell us what you’re planning
Start with a free, no-obligation chat about your goals and financial position.
We research and recommend
We compare suitable products across a broad lender panel and explain the trade-offs.
We handle the application
When you’re ready, we prepare the application and keep everything moving through to settlement.
10+years helping
Australians borrow
Australians borrow
MEET YOUR BROKER
Expert lending advice.
Genuinely personal.
“For me, it’s never just about getting a loan approved. It’s about helping you make a decision you’ll still feel good about years from now.”
Johann Bancilhon is a dedicated and honest mortgage broker who has built his reputation by going above and beyond. With a strong background in financial advice, he helps people buy homes, refinance with confidence and build investment portfolios.
FBAA MemberCredit Rep. 478340Melbourne based
Talk with Johann →FINANCE INSIGHTS & PRACTICAL TIPS
Make your next money move
with more confidence.
Helpful updates and straightforward guidance for home buyers, refinancers and property investors.
New insights added every monthFive things to check before refinancing
A lower advertised rate is only one part of the picture. Compare fees, features, loan term and your total repayment before making the switch.
Read article ↗Source: MoneysmartHow much home can you comfortably afford?
Leave room for rates, bills and everyday life—not just the maximum a lender may approve. A realistic buffer can make home ownership far less stressful.
Read article ↗Source: MoneysmartFixed or variable: understanding the trade-offs
Fixed rates can provide certainty while variable loans may offer flexibility. The right mix depends on your plans, budget and appetite for change.
Read article ↗Source: MoneysmartGeneral information only. These articles do not consider your objectives, financial situation or needs. Please speak with Johann before making a lending decision.
QUICK REPAYMENT ESTIMATE
What could your
repayments look like?
Adjust the figures, then enter your contact details to view estimated principal-and-interest and interest-only monthly repayments side by side.
This estimate is indicative only and does not constitute lending or financial advice. Interest-only repayments do not reduce the loan principal.Principal & interest—Enter your details to view
Interest only—Enter your details to view
“
I purchased my first little abode, which would have never been possible without the maestro Johann. Very professional, knowledgeable and considerate.
★★★★★
Christelle Louis — First home buyerLET’S TALK
Your next move
starts with a chat.
Tell Johann what you’re working towards. The first conversation is free and there’s no obligation.