FAQs

At Poly Home Loans, we take the time to understand your story, not just your numbers. With more than 20 years of experience, we combine practical financial strategies with genuine care for helping families build stronger futures. We’re here to simplify the process, explain your options clearly, and help you make confident decisions — no jargon, no pressure.

Yes, most lenders require a deposit — usually around 5% to 20% of the property’s value. If you’re a first home buyer, there are government grants and schemes available that can help you get into the market sooner with a smaller deposit. We’ll walk you through the options to find what works best for your situation.

Your borrowing power depends on several factors, including your income, existing debts, credit score, and deposit size. We’ll assess your circumstances and show you what’s realistic — so you can plan confidently before you start house hunting.

Start by understanding your budget and getting pre-approval. This gives you a clear picture of what you can afford and helps you move quickly when you find the right property. We’ll help you with every step — from calculating your borrowing power to applying for first home buyer grants and choosing the right lender.

Depending on your location, you may be eligible for the First Home Owner Grant (FHOG), First Home Guarantee, or stamp duty concessions. These can reduce your upfront costs and help you get into the market sooner. We’ll help you check your eligibility and complete the applications.

Absolutely. We understand that for many Pacific Islander families, buying a home is about more than ownership — it’s about creating stability, opportunity, and legacy. We take the time to explain each step clearly and ensure the process feels straightforward and empowering, no matter your financial starting point.

Refinancing allows you to switch to a loan with a better rate or more suitable features. This can lower your monthly repayments, reduce the total interest you pay, or even help you pay off your home sooner. We compare your current loan against leading lenders to find a better fit for your goals.

Yes, with the right structure and strategy, many Australians can pay off their home loan faster than the standard 30-year term. It’s about using smart repayment habits — like making fortnightly payments, using offset accounts, and refinancing when the time is right. We’ll help you map out a realistic plan that works for your income, goals, and lifestyle.

It’s a good idea to review your home loan every 1–2 years, or whenever your circumstances change. Lenders update their rates and offers regularly, and refinancing could help you save thousands over the life of your loan.

e help clients right across Australia, with a strong focus on supporting families in key regional and metro areas. Whether you’re based in Queensland, New South Wales, Victoria, or Western Australia, we can guide you through the home loan process online, over the phone, or in person.

Yes, many of our clients work FIFO or have variable income from contract or shift-based roles. We understand how to structure applications for non-standard income and know which lenders are most flexible with those situations.

1. Chat with us – We start with a simple conversation about your goals.
2. Get pre-approved – We help you understand your borrowing power and find suitable lenders.
3. Choose your loan – We compare multiple lenders to secure the right fit.
4. Settle and celebrate – We handle the paperwork so you can focus on moving in. Our role is to make your home loan journey smooth, stress-free, and tailored to you.

In most cases, our service is completely free to you. We’re paid a commission by the lender after your loan settles — so you get expert guidance without any out-of-pocket cost.

Simply book a chat with us. Whether you’re buying your first home, refinancing, or planning your next move, we’ll help you understand your options clearly and take the next step with confidence.