The strength behind every great loan is the right lender.
At Jain Home Loans, we work with a wide panel of major banks, second-tier lenders, and specialist institutions to ensure every client—whether a first-home buyer, property investor or low-doc buyer —gets a fair, policy-fit solution.
We do not chase the lowest rate on paper. We match you with the lender that is most suitable for your goals, visa type, and deposit so approvals are smoother and surprises are rare.
Who We Work With
Big 4 Banks
CBA, Westpac, ANZ, NAB
Strong post-settlement service, familiar brand trust, and competitive packages for established PRs and professionals.
Regional and Tier-2 Lenders
Macquarie, AMP, Bank SA, ING, Suncorp
Often sharper rates or flexible policies for self-employed and dual-income families.
Specialist Lenders
Tailored for low-doc buyers, visa holders, limited deposit buyers, or clients using overseas funds.
Actual lender access may vary based on aggregator approval and licensing arrangements.
How We Choose the Right Lender for You
Every client is different, so we assess policy, structure, and turnaround time across lenders before recommending one.
Visa and Residency
Lender appetite for temporary or PR clients.
Deposit and LVR
Thresholds for 5 percent, 10 percent, and 20 percent deposits.
LMI Rules
When LMI applies, and which lenders waive or discount it.
Income Type
PAYG, self-employed, and bonus or commission structures.
Turnaround Speed
Expected assessment time and valuation delays.
Policy Fit
Ensures your pre-approval is both realistic and fast.
Options That Can Make a Difference
LMI Waivers for Selected Professions
Doctors, accountants, engineers, and nurses may qualify.
First Home Guarantee Programs
First Home Guarantee and Family Home Guarantee participation.
Cashback Offers
Potential cashback options for refinances.
Construction Loan Flexibility
Stage payment options for construction loans.
We will explain which options apply to your case and when it is worth using them.
Clear, Simple, Upfront
Upfront Disclosures
We disclose any commissions or fees up-front.
Credit Proposal Summary
You receive a summary showing loan structure and product comparison.
Fit Over Incentives
Our recommendations are driven by fit, not incentives.
Simple Next Step
We will outline which lenders best match your situation with no obligation, just clarity.
Lenders and policies may change without notice. All approvals are subject to lender credit criteria. This information is general in nature; personal recommendations are provided after full assessment.