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Seven lanes of Australian borrowing, sorted.

Loan types

Seven lanes, seven sets of rules

Australian lending is not one product with different prices. Each of these is assessed differently, evidenced differently and, in two cases, regulated differently. Read the lane first; the pricing conversation is downstream of it.

  1. 01

    First home loan

    Your first owner-occupied purchase, where deposit size and government schemes usually decide more than the headline rate.

    First question that bites: How big is the deposit, as a percentage?

    Open the lane
  2. 02

    Refinance

    Moving an existing loan to a different lender or a different product, where the switching cost decides whether it was worth it.

    First question that bites: What is your current rate, and what did the lender offer when you asked them to match?

    Open the lane
  3. 03

    Investment property loan

    Borrowing against a property you intend to rent out, where tax treatment and serviceability buffers behave differently from a home loan.

    First question that bites: Are you using cash or equity for the deposit?

    Open the lane
  4. 04

    Self-employed and low doc

    Borrowing when your income comes from an ABN, a company, a trust or contract work, where proving income is the whole job.

    First question that bites: How long has the ABN been active and registered for GST?

    Open the lane
  5. 05

    Commercial and business lending

    Borrowing secured by commercial property, or for the business itself, where the assessment is about the business rather than a household budget.

    First question that bites: What is the security, and who leases it?

    Open the lane
  6. 06

    Car and personal loans

    Short-term consumer borrowing where the term and the fees, not the headline rate, usually decide what it costs you.

    First question that bites: Secured or unsecured?

    Open the lane
  7. 07

    Bridging finance

    Short-term borrowing that covers the gap when you buy before you sell, priced on the assumption the gap closes quickly.

    First question that bites: What is the peak debt, and can you service it?

    Open the lane

Reading order, if you are starting cold

  1. Run the three questions to land on a lane.
  2. Read that lane top to bottom, including the paperwork list.
  3. Read your income situation page, because it overrides parts of the lane.
  4. Check the two or three official links. They set the rules; everything else is a summary.
  5. Then, and only then, start comparing products with someone who holds a licence.

Structure reviewed 17 August 2026.