Financial services

Home finance

Buying a new home is one of the biggest financial decisions you’ll ever make. That’s why it’s important to get the right advice for your personal situation.

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Loan Studio are industry leaders in financial services

With countless lending options available in the market, we wanted to offer our clients a service that paralleled our own.

Loan Studio are a team of industry-leading, MFAA approved mortgage brokers whose experience is unrivalled in the mortgage space.

Carlisle Homes have partnered with Loan Studio to offer you free, transparent and no obligation financial services, to save you time and money and get you into your new home faster.

Loan Studio’s friendly mortgage experts will take the time to ask the right questions to help you compare hundreds of loan options and find the most suitable loan for your individual needs.


Learn more about Loan Studio

Loan Studio - profile Who we are. What we do to help you get into the home of your dreams.

Available financial products Find a financial solution that is perfect for you.

Finance pre-qualification form Do you qualify?

Home loan calculators Want to know how your finances stack up? Use our handy mortgage and home loan calculators.


About Loan Studio

Welcome to the Loan Studio – an industry-leading, award-winning home finance team who take the hard work out of finding the right home loan.

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Who we are
Loan Studio is a team of dynamic and savvy home and property lending specialists who share a common passion for delivering you a better lending experience. We are MFAA approved mortgage brokers, who are qualified, experienced, awarded, respected and dedicated to finding the right financial solution tailored to your individual needs.

What we do
In short, we take the hard work out of finding the right home loan for you.

We believe that a one size fits all approach to home loans doesn’t work. That’s why we take the time to ask you the right questions, then do the research before presenting you with solutions, including all the pros and cons, so you can decide which is the best option for you.

If you have a lender in mind, we can show you how they compare and most importantly help you structure your loan properly to save you money.

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We save you time and money
Happily, you’ll discover that we’re proactive in our approach so you’ll never have to chase us up. We have strong relationships with lenders and have a clear understanding of their products. This means we can achieve faster decisions and approvals for you – our valued client.

Our service is free of charge
We value transparency in the way we do business. Our service is free of charge, and while we’re paid commissions from lenders, we will always explain why we recommend one loan over another to avoid any confusion.

We offer a diverse range of loans
We service a range of loans including home, personal and car loans. We specialise in construction finance, which is time consuming and complex compared to standard home loans. We know how important it is to nurture and maintain relationships with our clients building new homes, right throughout the process from application through to settlement.

Home loan products

With a wide range of financial products available on the market today for purchasing your new home, finding the right home loan might seem overwhelming. That’s why whether you’re a first-time home buyer, or looking to build your current property investment portfolio, we’ll help you find a financial solution that is tailor made for you.

  • Variable rate loan
    • A variable rate loan is great for home buyers who wish to keep interest rate costs to a minimum and are happy to take a gamble on the direction that interest rates will take in the future.

      Read more about the Variable Rate Home Loan.

  • Fixed rate loan
    • A fixed rate loan is best for those who want security in knowing their exact repayment each month. With a fixed rate home loan you can generally fix your interest rate for anywhere between 1 to 7 years with 10 to 15 years also being option with some lenders.

      Read more about the Fixed rate home loan.

  • Introductory rate home loan
    • An introductory rate home loan (sometimes called a “Honeymoon Rate”) is mostly aimed at first home buyers offering a low rate for an initial period of anywhere from 6 months up to 3 years.

      Read more about the Introductory rate home loan.

  • Professional packages
    • Most major lenders now offer "professional packages" for home loans above $250,000 (for one loan of more than $250,000 or a total aggregate lend of $250,000). Professional packages were originally set up for certain professions or income brackets but are now available to anyone provided they pay the package fee.

      Read more about Professional package home loans.

  • Line of credit/equity home loan
    • A line of credit or equity loan is somewhat similar to a credit card. A lender will lend up to 80% of the value of the security. This type of loan does not have a set term nor fixed repayments.

      Read more about the Line of credit/equity home loan.

  • Offset accounts
    • An offset account is usually a savings account linked to your mortgage. This type of finance solution allows you the benefit of offsetting funds in your savings account against your home loan, thereby reducing the interest payable on your home loan.

      Read more about the Offset account home loans.

  • Guarantor loans
    • A family guarantee, family pledge or guarantor loan allows your family members (generally a parent, grandparent or in-law) to use the equity in their home as security for a portion of your home loan amount.

      Read more about the line of guarantor loans.

Do you qualify?

Find out if you qualify for a home loan with a fast and easy pre-qualification check. Just answer a few short questions and we’ll get you started on the road to your dream home.

Privacy is important to us and the information you provide on the pre-qualification check we will not be shared with any third party organisations.

If you’d rather speak directly to one of our Loan Studio financial consultants please call 1300 978 051 and we can pre-qualify you over the phone.

See if you qualify

Home finance calculator

Want to know how your finances stack up? Use our handy mortgage and home loan calculators to determine your borrowing power, stamp duty, loan repayments, budget planning and much more.


Mortgage borrowing power

Find out the amount you may be able to borrow based on your income, expenses and number of dependants.

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Budget planner

Input all your incomings and outgoings to see if you are in surplus or have a shortfall.

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Extra repayments

See how much money you can save when you make extra payments throughout your loan.

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How long to repay

Set the amount you'd like to pay per period and calculate how long it takes to pay off your loan.

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Home loan comparison

This comparison rate is designed to reflect the total annual cost to a borrower of a loan.

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Home loan repayment

A simple calculator to compare 4 loan scenarios: 2 different interest rates and 2 different terms.

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Lump sum

What will be the effect on your loan if you pay off a lump sum. The sooner you pay it the more you can save.

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Savings

Do you have something important you'd like to save for? Find out how much you need to save to get there.

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Split loan

A split loan will allow you to fix a percentage of your loan over a period of time.

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Enquire now

Please complete the form below to submit your enquiry to Loan Studio. If you have a matter that needs urgent attention please feel free to contact a financial consultant today on 1300 978 051.

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