The full residential spectrum.
First-time homebuyer, aspiring property investor, building your dream home, or optimising your current mortgage — we cater to the full range of residential finance needs.
First Home Buyers
Navigating the path to home ownership can be overwhelming. We guide you through informed decision-making — deposit strategy, government schemes, pre-approval — and secure financing that fits.
Purchasing Your Next Home
Upgrading, downsizing or relocating: guidance, support and financing options tailored to your budget and preferences, so the move works on your terms.
Refinancing Your Mortgage
Explore opportunities to optimise your existing mortgage and current debt portfolio. We analyse the market to pursue better rates and terms for your situation.
Growing Your Investment Portfolio
For those building wealth through real estate, we provide access to a diverse range of investment loan options and structure guidance.
Construction & Renovation
Building your dream home requires a unique set of financial solutions. We specialise in construction and renovation loans — progress payments included.
Ready when you are
Every engagement starts with a conversation about your goals. Book a chat →
Frequently asked.
What types of home loans do you offer?
DeMarque Home Loans provides a range of residential home loan options: First Home Buyer and standard Owner Occupier loans, Investment loans, Mortgage Refinancing, and Construction & Renovation loans.
What is the minimum deposit required?
It depends on the type of loan, your financial situation and current market conditions. A 20% deposit is the traditional benchmark, but many clients buy with less — including through low-deposit government schemes. We'll work through your options with you.
What documents are needed for a loan application?
Commonly required documents include proof of income, tax returns, employment verification, credit history, and details about the property being financed. We guide you through the specific requirements for your application.
Are there any hidden fees?
Transparency is key at DeMarque Home Loans. We provide a clear breakdown of all associated costs and fees. Importantly, with residential mortgages, the lender — not you — pays the broker's commission.
What are the current interest rates?
Rates vary based on market conditions and your individual financial profile, and they move often. Contact us for current information relevant to your situation.
How long does approval take?
The timeline varies, but allow around 30 to 45 days end to end. Documentation completeness and valuation turnaround are the usual variables.
Can I get pre-approved?
Absolutely. Pre-approval helps you understand your budget and strengthens your position when making an offer on a home.
What if my credit score isn't perfect?
We work with clients across a range of credit scores. Higher scores unlock better terms, but there are options for less-than-perfect credit histories too.