Home Loan Finance Australia | Fast & Flexible Finance

Flexible lending with a personal touch

Buying or refinancing a home is a big decision. Sometimes it doesn’t fit neatly into a bank’s checklist. At Finance One we take the time to understand your story, your financial goals, and how we may be able to help you get there.

Whether you’re buying your first home, refinancing, investing in property, or need bridging finance, Finance One offers practical, flexible home loan solutions that cater to real Australians with real goals. Our personalised approach ensures we understand your unique financial situation, offering you tailored options based on your circumstances that work for you.*

For more than 15 years we’ve helped Australians get fair and flexible finance. Now, we’re bringing that same approach to home loans and to bridging finance.

Finance One Home Loans

Home Loan

Whether you’re taking your first step or building your property portfolio, our home loans are designed to move with you.

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Bridging Finance

If you’ve found your next home but haven’t yet sold your current one, a bridging loan can help you bridge the gap.

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Why choose Finance One

At Finance One, we know that every borrower’s story is different. That’s why we look at your full financial picture, more than just your credit score.

Whether you’re managing variable income, have experienced past credit issues or you are working toward long-term property goals, we’ll help find a solution that makes sense*. Our goal is to provide home loans and bridging finance that fit your personal circumstances and financial objectives, offering flexibility and real support throughout the process.

We offer tailored loans with a human touch.

Flexibility

Adjust or make additional repayments anytime (subject to your loan type).

100% Australian Owned

With offices in Townsville and Brisbane, our team is ready to assist you in finding financial success.

Support

Our dedicated support team will get to know you and provide personalised service.

Who Can Apply for a Finance One Home Loan or Bridging Loan?

We specialise in supporting borrowers who need flexible solutions beyond what traditional lenders offer. Every application is reviewed by a real person, not an algorithm. We look for genuine indicators of financial strength, including your repayment history and overall financial conduct to understand your true borrowing capacity*.

We Support:

Borrowers aged 18 years and over
Self-employed borrowers
Small business owners
Property Investors
Borrowers refinancing for greater flexibility
Australians rebuilding after financial setbacks. We may consider defaults, arrears, or recently discharged bankruptcies where there are understandable reasons

How to apply for a Finance One home loan

Step 1 - Submit an Enquiry

Start your application online and one of our lending team will contact you to discuss your goals.
Step 2 - Personalised Review

We’ll take a close look at your application and your financial profile, without just focusing on your credit score.
Step 3 - Move Ahead with Real Support

Once approved, you can move forward with your purchase, refinance, or bridging solution knowing you are supported by a real team who cares.

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Frequently Asked Questions

What is a redraw?

A redraw lets you access extra repayments you’ve made on your Finance One Home Loan. It’s a flexible way to use your own funds when you need them, while helping reduce interest in the meantime.

Redraw availability and conditions can vary depending on your loan, so feel free to check with our team or your lending specialist to see how it works for your loan.

What is LVR?

LVR stands for Loan-to-Value Ratio. It’s the percentage of the property’s value you’re borrowing. For example, if you’re buying a home worth $500,000 and need a $400,000 loan, your LVR is 80%. At Finance One, we use LVR to help assess your application and tailor a home loan that fits your situation.

What is Principal and Interest?

Principal and Interest (P&I) refers to loan repayments that cover both the amount you’ve borrowed (the principal) and the interest charged. With a Finance One home loan, P&I repayments help reduce your loan balance over time while paying off the cost of borrowing. It’s a common option for borrowers looking to fully pay off their home over the loan term.

Do you offer self-employed home loans?

Yes. We regularly assist self-employed borrowers using flexible income verification methods that reflect your business performance and cash flow.

Can I make extra repayments?

Yes, many of our home loans allow extra repayments without penalty, giving you greater flexibility and the ability to pay off your loan faster.

Conditions can vary depending on your loan, so feel free to check with our team or your lending specialist to see how it works for your loan.

Do you offer investment property loans?

Yes. We provide tailored investment property loans with both interest-only and principal & interest options.

Can I refinance with Finance One?

Yes! We offer refinancing options to help you simplify your finances or take advantage of better interest rates and terms. Our refinancing solutions are designed to help you achieve your long-term property goals.

Do you help people with past credit issues?

Yes, we take a fair and flexible approach to previous credit events. Whether you’ve had defaults, arrears, or are recovering from a bankruptcy, we’ll work with you to create a solution based on your circumstances that allows you to move forward with confidence.

*Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply.

Ready to explore what’s possible?

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Home Loans Built for Your Next Chapter