Turn Your Dream Home Into Reality

Buying a home is one of the biggest milestones in life. At Civic Finance Group, we provide home loans that are affordable, flexible, and stress-free – so you can focus on building memories in your new home.

At Civic Finance Group, we understand that every homebuyer’s journey is unique. That’s why our home loan solutions are tailored to your needs – whether you’re a first-time buyer or upgrading to your dream home. With expert guidance, transparent processes, and competitive rates, we make the path to homeownership smooth and worry-free.

Why Choose Us

Access to 30+ trusted Australian lenders

We compare a wide range of banks and lenders to find the best home loan options available in the market.

Personalised loan strategies tailored to your goals

Our experts take the time to understand your needs and design a loan solution that fits your financial journey.

Competitive interest rates and flexible repayment options

We help you secure low rates and repayment plans that match your lifestyle and budget.

Transparent advice with no hidden surprises

We keep everything clear and upfront, so you always know exactly what to expect.

How It Works

Initial Consultation

We understand your goals and financial situation.

Loan Comparison

We research and shortlist the best options from top lenders.

Application Support

We prepare and submit your loan application.

Approval & Settlement

We work with lenders to ensure smooth approval and settlement.

Mortgage Repayment Calculator

Frequently Asked Questions (FAQs)

What types of home loans can I apply for in Australia?

You can choose from variable rate loans, fixed rate loans, split loans, interest-only loans, and low deposit options depending on your needs and eligibility.

How much deposit do I need to buy a home?

In most cases, lenders require at least a 20% deposit, but with Lenders Mortgage Insurance (LMI), you may be able to borrow with as little as 5–10%.

Can Civic Finance Group help first home buyers?

Yes! We guide first home buyers through the process, explain government grants like the First Home Owner Grant (FHOG), and help secure competitive loan options.

How long does the home loan approval process take?

On average, pre-approval takes a few days to a week, while full approval can take 2–4 weeks depending on the lender and your application.

Do I have to pay Civic Finance Group for their services?

Our services are usually free to clients as we are paid by the lenders. We’ll always be upfront if there are any fees involved.

Can I refinance my current mortgage with you?

Absolutely. We can review your existing loan and help you refinance to a better interest rate or more flexible repayment terms.

What documents do I need to apply for a home loan?

Typically, you’ll need proof of income, ID documents, bank statements, and details of existing debts or assets. We’ll provide you with a checklist to make it simple.