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Mortgage and Home Loan Brokers

50+ Lenders  Top 3 Options  Client Focused  Results Driven 


Our mortgage and home loan brokers trawl through over 50 lenders to find the top 3 offers,

plus 2 more just to be sure, for all your mortgage and home finance loan needs. We work to ensure

our recommendations consider your current and future needs and objectives, and to grow your financial potential.


Discover how our home loan brokers go above and beyond to secure the best deals, with generous loan terms

and understanding a good home loan mortgage is more than just a competitive interest rate.


Orchard Lending mortgage & loan brokers work tirelessly to provide you with the highest level of service,

with honest expert advice, and full life-of-mortgage support.

A Person’s Home Is Their Castle

“Don’t wait to buy real estate, buy real estate and wait” – Robert G. Allen Wealth of Words

Mortgage and Home Loan Brokers

Purchasing a home is normally the biggest financial decision in your life. Whilst in the past, a mortgage was more of an after thought, these days a significant amount of income is needed both in deposit, and on going repayments. Our aim is to not to just simplify the process to ‘get you finance’ but to set you up with a finance solution that suits your financial needs and wants now, but also aims to grow your financial prosperity far into the future.

We can assist with all types of home loan financing, with over 50 lenders to uncover the top 5 deals for you and the transparent reasons of the one we recommend.  Where as going to a lender will result in only their products, we can easily and quickly summarise current lender offers, and rates, and tailor a solution for you. This generally not just saves you time and money, but also gives you comfort knowing you have received the best deal for your situation.

We can obtain financing with the main banks as well as specialty lenders, with typically no early exit and repayment fees, and a whole host of other benefits. Enquire for a call back today from one of our mortgage home loan brokers and ensure you make the right choice on your mortgage & home financing needs today.

What do I need to get started?

All we need to know at a minimum, is estimated monthly income and expenses, current debt balances and repayment amounts, and an outline of what you want to achieve. We can then arrange our complimentary credit consult with one of our mortgage home loan brokers to discuss how we can best assist you.

How much can I borrow?

This will largely depend on your credit history and monthly income and expenses and other debt facilities you may already have. For larger amounts further documentation may also be needed and we can provide a full document checklist once a quote has been provided. If you want to find out a good idea of borrowing amount, please click on our form to the left to request a call back. One of our mortgage home loan brokers will then call to discuss a tailored potential borrowing amount.

What will my rate be?

This is similar to the metrics used to assess borrowing limit. We can advise an estimated rate from our complimentary credit consult, or to receive a more accurate rate, please complete our form to the left to request a call back.

Does my job or location matter?

We can consider income from any industry and job type Australia wide. The location and industry may effect rate and borrowing limits, depending on the risk rating the lenders apply. Generally your credit history, property details, and level of other debt, are more important lender factors. Complete our call back form to the left or book a credit consult to find out more details.

Do you need tax returns?

For self-employed applicants we have alternative income verification methods. These can utilise bank statements, BAS or accountant declarations to calculate loan borrowing limits and interest rates. Even if recently employed, we can also assist as generally pay slips or an employment contract is all that’s needed.

Mortgage & Home Loan

Finance Brokers

For brokers, home loan mortgages are usually the most complex that will be dealt with. This is because it’s not just the loan, but also valuers, conveyancers, real estate agents, and possibly developers thrown into the mix. Our mortgage and home loan brokers are adept at dealing with all the challenges that come about from an initial mortgage home loan enquiry, all the way through to you putting the key in your own door.

Start today by arranging a free 30 minute credit consult with one of our personal loan brokers. From there we can advise how we can assist you, and provide value and benefits around utilising our team for for all your personal finance needs.

Your Tailored

Loan Service

A mortgage is likely for one of your biggest financial decisions of your life. Our mission is to ensure that all mortgages will provide true benefits, and meet your needs and objectives for today and tomorrow. We aim for lenders who have no or minimal on-going fees, no early repayment or exit fees, and who provide competitive rates and finance terms. We only want the true best of the best lenders. 

Our process starts with a completely no-obligation pre-assessment from one of our senior brokers where you will have the chance to discuss any questions you may have. Book an appointment now or apply for a non-committal quick quote to view our tailored mortgage home loan solutions.

Typical Mortgage Home Loan

Established or Construction

Competitive interest rates

No early payout fees

Zero or minimal account fees

Tailored features

Easy account management

Our Clients Choose Us For

Open & transparent process

Quick loan application

No commitment pre-assessments

Honest loan feedback

Full life-of-loan support

High success rate

What does it take for a mortgage home loan?


The requirements of each loan first start with working out your needs, wants, and objectives, and then aligning this against your current financial position. From there we can work out which lender, and which of their finance products, is likely going to suit you the best. This will result in different document and verification requirements, which can also be tailored to what is available. We do this all in an efficient transparent way, and generally can show you the top three to five comparisons, and reasons for our finance choice – with the ultimate decision in your hands.

We reverse engineer your financial position, wants and needs, and future objectives, to align you with the most beneficial lender.

Full Doc Loans

  • 2 x Payslips
  • ATO Tax Returns
  • Financial Records
  • 1-2 Years ABN NOAs
  • Clear Credit History

Specialists Loans

  • Exotic assets
  • Non-conforming security
  • Difficult income verification
  • Case by case assessments
  • Special loan needs

Low Doc Loans

  • No tax returns
  • Alternative income
  • Bank statements
  • Short trading history
  • Private lenders

Credit Impaired

  • Discharged bankrupt
  • Listed defaults
  • Late payments
  • Low credit score
  • Limited credit history

Clear Home Loan

From 5.65%

Request Call Back
  • 5.95% Comparison rate
  • Clear credit score
  • Up to 80% LVR
  • Refinance Cashbacks
  • Free pre-assessment
  • Redraw included

Low Doc Mortgage

From 6.55%

Request Call Back
  • 6.95% Comparison rate
  • No tax returns needed
  • ABN >25 months
  • Unlimited equity release
  • Up to 80% LVR/20% deposit
  • Up to $2M loan amount

Fixed Home Loan

From 5.95%

Request Call Back
  • 7.14% Comparison rate
  • 2 Year fixed rate
  • Refinance cashbacks
  • >$1M further discounts
  • Free pre-assessment
  • 100% redraw allowable

What type of home car holiday boat personal business loan are you dreaming of today?

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