Home loans structured around the outcome you actually want.
First home, next home, investment property or refinance. Access to 40+ Australian lenders, arranged through strategy rather than a rate table.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
An Australian home loan is not one product; it is dozens of loan structures, lender policies and pricing tiers competing for your file. eCapital Funding sits between you and every major bank, second tier lender and specialist funder in the country. We assess your income, credit, deposit and goals, then place the file with the lender most likely to say yes at the sharpest achievable rate. It is broking done strategically, not transactionally.
Why borrowers choose eCapital Funding
40+ Australian lenders
From the majors (CBA, Westpac, NAB, ANZ) through Macquarie, ING, Bankwest and specialist lenders for complex files.
Complex income welcome
Self employed, PAYG plus commission, contractor, trust and company borrowers assessed with the right lender lens.
No cost for most files
For standard residential loans eCapital Funding is paid by the lender on settlement. You pay nothing directly in most cases.
Who this suits
- First home buyers wanting to understand the First Home Guarantee scheme
- Upgraders juggling bridging or simultaneous buy/sell
- Investors building or restructuring a property portfolio
- Self employed borrowers with alt doc or full doc options
- Buyers with prior credit events needing a specialist lender
- Australian expats and non residents
Our strategy process
- STEP 1
Strategy call
20–30 minute conversation on your goal, deposit, income and timing.
- STEP 2
Lender shortlist
We model 3–5 lenders on rate, policy fit and probability of approval.
- STEP 3
Application
We prepare and lodge the file with the chosen lender, chasing valuation and approvals on your behalf.
- STEP 4
Settlement
Formal approval, contracts, and settlement coordination with your solicitor or conveyancer.
Frequently asked questions
How much deposit do I need for a home loan in Australia?
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Most lenders require a 5–20% deposit. Below 20% typically triggers Lenders Mortgage Insurance (LMI), though the First Home Guarantee Scheme, family guarantor structures and selected professional packages can reduce or waive LMI. We map the eligible pathways to your profile.
How long does home loan approval take?
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Conditional approval commonly takes 3–10 business days depending on lender and complexity. Full unconditional approval follows valuation and final assessment. Complex or self employed files may take longer; we set expectations up front.
Do you charge a fee for home loans?
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For most residential home loans eCapital Funding is remunerated by the lender on settlement. Where a strategy requires additional structuring, private funding or specialist work, a fee may apply and will be disclosed in writing before you proceed. See our Credit Guide.
Can self employed borrowers get a home loan?
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Yes. We work with full doc, alt doc and specialist lenders who assess self employed income using BAS, business bank statements, accountant declarations or company financials. Documentation choice materially changes rate and LVR.
Do you help with investment property loans?
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Yes. We structure investment loans with interest only options, offset accounts, cross collateralisation strategy and portfolio serviceability planning for multi property investors.
Explore related lending
Every home loan is winnable with the right lender and the right story. Let us build both.
Ready to talk it through? Let's find your way.
A confidential 30-minute chat with a senior adviser. No pressure, no obligation, no boilerplate, just a proper conversation about what you're trying to do.