Home loans

Home Loans

Home Loans Made Easy

Buying your first

Looking to buy an
investment property?

Looking for consultations
for home loans?

Get the best home loan deals with us. We specialize in all kinds of home loans and have helped several homeowners in unique situations to get the loans they needed.


Whether you’re buying a residential property for your home, or an investment property, we can help you find a lender, and a suitable loan product that best meets your needs.

Home Loan Refinance

Take advantage of refinance options with our lenders, and consolidate your existing debts into your home loan for an easy-to-manage repayment plan. Alternatively, we can help you find more competitive rates for existing loans, and help you manage your finances better.

Construction Home Loans

Looking to build a home? We can also help you with Construction Loans for building a new property, or for major renovations on existing ones. We will also take care of the progress payments to the contractor so that you can focus on building your new home.

First Home Buyer

Buying your first home can be a challenging experience. Our expert mortgage brokers can guide you through this journey, from applying for first home owner grants, to helping you get pre-approved, planning how you can buy with a smaller deposit, and finding the best rates.

Guarantor Home Loans

Having difficulty saving up for a loan? If your parent or close family relative own a property, you might be able to get a Home Loan with their help. We can help you navigate the ins and outs of Guarantor Home Loans, and help you buy your dream home sooner.

Low Doc Home Loans

Being self-employed, a freelancer, a contractor, or an investor can make it hard to prove your income with the traditional methods. Our mortgage experts can help you with finding alternative proofs of income so that you get the best rates for your income type.

Bad Credit Home Loans

We understand that due to circumstances you may be in a situation that is not viewed favourably by major lenders. We can help you prepare your loan application accordingly, and help you work with lenders who are more understanding of your unique situation.

Waived LMI Home Loans

LMI is a premium charged by lenders to protect them in the event that the borrower defaults. In most cases you can avoid paying LMI if your loan amount is less than 80% of the property value. Lenders also waive the LMI fee for borrowers with larger loan amounts if they are from certain professional backgrounds.


Self-employed, and having difficulty getting good rates from lenders? Often, there are only a few additional documents that lenders need to consider your loan application as a full-doc loan. We can help prepare your loan application to find the lender most favorable for your situation.

VDA simplifies home loans for you

With ever-changing regulations and bank policies, getting a home loan can turn into a stressful experience. At VDA Finance and Capital, we are committed to simplifying the process of home buying into the simple steps it should be.

Get home loans in 3 easy steps:

Tell us about your situation and let us make recommendations
Choose one of the recommendations
Get ready to move into your dream home

Home Loan Calculators

You can also use our industry standard calculators to understand your situations better.

Borrowing Power Calculator

Quickly find out the estimated amount you could borrow based on your current earnings and expenses.

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Home Loan Offset Calculator

An offset account, as the name suggests, offsets the amount of loan you have taken from the lender.

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Loan Repayments Calculator

Find out the estimated amount of repayments (EMI) you will need to pay on a monthly, fortnightly or quarterly basis for paying your potential home loan.

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Whether you are buying your first home, an investment property, or trying to refinance your existing home loan, our experienced mortgage brokers can help you with your loan application.

We specialize in all kinds of home loans and commercial loans, and can help you get the best rates from our panel of 30+ lenders.