Australia-Wide Mortgage Brokers
Australia-Wide Mortgage Brokers for Complex & Everyday Home Loans
Rejected by a bank? Self-employed? Buying through a company or trust? Investing, refinancing or buying your first home? WRA compares solutions from 50+ lenders and specialises in scenarios that don’t always fit standard bank policy.
$0 upfront broker fee · Australia-wide · 50+ lenders
What do you need help with?
Choose your situation and we'll take you straight to the right solution.
Not Every Borrower Fits the Standard Bank Box
Different lenders assess income, credit history, entities and borrowing structures differently. WRA specialises in identifying lender policies that may suit circumstances outside standard bank criteria.
New Self-Employed Products: Income Documents Required
We're the champion for self-employed borrowers — with our deepest experience writing low-doc and no-doc loans. Our new self-employed range is built around simpler income verification, and we know exactly what each product requires.
Product Highlights
- 24 to 48 hour approval targets with direct access to decision makers
- Strong appetite for self-employed and newly self-employed borrowers
- Flexible assessment of non-traditional income, including contractors, freelancers, gig workers and content creators
- Strong investor appetite, including experienced portfolio investors and trust structures
- Broad visa policy with multiple visa subclasses accepted
- No clawbacks and no risk fee for loans up to 80% LVR
Home Loan Solutions
Everyday borrowing, handled with the same specialist care — from your first home to your next investment.
Accredited Broker for the Help to Buy Scheme
Government co-purchases up to 40% of your home. Buy with just a 2% deposit, no LMI. Eligibility criteria apply.
Meet Your Finance Strategist
15+ years’ experience helping Australian borrowers navigate home lending, investment finance, self-employed income and complex lending structures.
“After 15 years in finance, I have seen many borrowers told ‘no’ simply because their circumstances didn’t fit one bank’s policy. WRA’s role is to understand the full financial position, identify appropriate lender policies and structure a lending strategy around the client’s objectives.”
Dr Heni Cazlynn Kwan
Founder and Managing Director (CEO)
Why Borrowers Choose WRA
Specialist lending expertise, with the breadth to handle everyday home loans too.
Not tied to one bank
We compare policies across the lending market instead of defending one bank's box.
50+ lender options
Major banks, non-banks and specialist lenders — compared on rate, policy and features.
Complex-policy expertise
We know which lender accepts one-year financials, trust borrowers, ATO debt and more.
Australia-wide service
Based in Melbourne, servicing borrowers in every state and territory, remotely.
Ongoing loan reviews
Your loan is reviewed over time so you don't drift onto an uncompetitive rate.
We handle the lender
Your broker manages negotiations, paperwork and follow-ups so you don't have to chase.
Solutions When Standard Bank Policy Doesn’t Fit
Different lenders assess income, credit history, entities and borrowing structures differently. WRA specialises in identifying lender policies that may suit circumstances outside standard bank criteria.
Representative examples of the specialist lending policies WRA works with. Availability varies by lender — all lending is subject to eligibility, credit assessment and the individual lender's policy.
ATO debt pay down is an acceptable cash out purpose
No notional rent needed for applicants living with family rent-free (signed declaration from parents only)
2% servicing buffer — particularly helpful in the current high-rate environment
1-year financials accepted for self-employed clients
Accountant letter accepted to confirm tax returns are final & lodged (replaces NOA for full-doc SE applicants)
Company and trust borrowers considered — access lenders with policies that accommodate more complex borrowing structures
NDIS property accepted
Temporary visas accepted
Low doc up to 90% LVR
Owner-occupied up to 95% LVR accepted
Lease doc available
No genuine savings required
Common debt reducer policy available
Paid defaults up to $1,000 accepted
Negative credit reporting accepted
No minimum employment period if applicant has been in the same industry for at least 2 years
How It Works
From first conversation to settlement and beyond — your broker manages the process end to end.
Free Assessment
Tell us your situation, goals and numbers. No cost, no obligation.
Strategy & Lender Comparison
We identify the lenders whose policies fit your circumstances and compare real options.
Application
We prepare and submit your application, handling lender questions and follow-ups.
Approval & Settlement
Conditional approval, valuation, formal approval — we coordinate through to settlement.
Ongoing Review
Periodic loan health checks so your rate and structure stay competitive over time.
Most initial assessments are completed within 24–48 hours. Formal lender approval timelines depend on the lender’s own assessment, documentation, valuation and policy.
What Our Clients Say
Real success stories from families we've helped achieve their property dreams.
"As a first-time investor I had a thousand questions. Heni patiently explained LVR, interest-only options and tax implications. My investment property settled last month and I feel confident about the path ahead."
"Upgrading to our forever home felt daunting with our existing mortgage, but Heni arranged a bridging strategy that let us buy before selling. Her timing and advice saved the deal."
"I needed a personal loan to consolidate a few debts and WRA found an option with a much lower rate than my bank offered. The whole thing was handled online and approved within days."
"Building our investment portfolio felt overwhelming until we spoke with Heni. She structured the lending across two properties perfectly and found a lender that suited our long-term strategy. Exceptional advice."
"Expanding into a larger commercial premises seemed out of reach until Heni found a lender comfortable with our industry. The commercial facility was structured perfectly for our growth plans."
Your feedback helps us improve and helps others make informed decisions
Real Borrower Scenarios
Representative situations WRA regularly handles — including borrowers a bank had already declined.
Work Out Your Numbers First
Estimate your borrowing power, repayments and stamp duty before you talk to anyone.
Calculate how much you can borrow
Income Details
Monthly Expenses & Commitments
Property Search
Find Your Next Home Before You Finance It
Explore the properties we currently have on offer — from first homes to investment opportunities. When one catches your eye, our brokers will help you understand exactly what you can borrow before you make an offer.
Browse Our Property ListingsListings open in our property portal — no sign-up required to browse.
Listings Across Australia
Browse current properties for sale and keep an eye on the market as you save your deposit.
Find It, Then Fund It
Once you find a place you love, we help you secure pre-approval so you can act with confidence.
Investor-Friendly
Compare rentals, yields and growth suburbs — then get the right investment loan to match.
Frequently Asked Home Loan Questions
Straight answers to the questions Australian borrowers ask us most about home loans, deposits, and the borrowing process.
What is a mortgage broker and how are they paid?
A mortgage broker compares home loans from a panel of lenders on your behalf and manages the application through to settlement. In Australia, brokers are typically paid a commission by the lender when your loan settles, so our service costs you nothing - and we are required by law to act in your best interest under the Best Interests Duty introduced by the Australian Securities and Investments Commission.
How much deposit do I need to buy a home in Australia?
A 20% deposit will generally avoid Lenders Mortgage Insurance (LMI), although many lenders allow eligible borrowers to purchase with a smaller deposit - some first home buyers qualify with as little as 5%. Government schemes like the First Home Guarantee allow eligible buyers to buy with a 5% deposit without paying LMI. Your borrowing capacity and deposit size also affect your interest rate and loan options.
How do I get pre-approval for a home loan?
Pre-approval (conditional approval) is an in-principle lender commitment showing how much you can borrow. You provide proof of income, expenses, debts, and identification, and the lender assesses your position. At WRA we typically secure pre-approvals within 24-48 hours, and they usually remain valid for three to six months.
Why does the Reserve Bank cash rate affect my home loan?
The Reserve Bank of Australia (RBA) sets the cash rate - the rate banks pay to borrow overnight funds. When the RBA raises or lowers the cash rate, lenders generally adjust variable home loan rates in response, which changes your monthly repayments. Fixed-rate loans are locked for the fixed term and are not affected until that term ends.
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, living expenses, existing debts, dependants, deposit and the individual lender's serviceability assessment. Different lenders can produce materially different borrowing capacities for the same applicant, which is why WRA compares your position across suitable lenders. Use our free serviceability calculator for an estimate, or book a call for a full assessment across 50+ lenders.
Helpful Resources
Trusted Government & Industry Resources
Independent resources for further information. Explore these authoritative government and industry websites as you research your home loan.
Housing Australia
Official rules and eligibility for the First Home Guarantee, Help to Buy and Family Home Guarantee schemes.
housingaustralia.gov.auMoneysmart (ASIC)
Independent government guides to home loans, mortgages, stamp duty and the true cost of borrowing.
moneysmart.gov.auReserve Bank of Australia
Official RBA cash rate decisions and announcements that shape home loan interest rates.
rba.gov.auMortgage & Finance Association of Australia
The peak industry body representing mortgage and finance brokers Australia-wide.
mfaa.com.auContent reviewed by Dr Heni Cazlynn Kwan, Founder & Managing Director, WRA Mortgage Brokers
Not Sure Whether You Qualify?
Get a free mortgage assessment — tell us your situation and a broker will come back with options. No cost, no obligation.
Speak with our expert brokers today
Contact Information
Email Us
info@weravailable.today
Our Office
Melbourne
L14, 1 Queens Road, Melbourne VIC 3004
Servicing clients Australia-wide, remotely.
Why Work With Us?
No upfront fees — we get paid by the lender
Access to 50+ lenders
Free ongoing loan reviews
Fast initial assessments within 24–48 hours
Dedicated support throughout