Innovative Lending Solutions
40+ lenders accessed
Direct broker access
Australian Credit Licence #387856
01 · Residential

Home loans
built around your life.

First home, next home, refinance or upgrade. We compare 40+ Australian lenders, structure your file properly, and get you a clear answer faster — without the runaround.

Borrowing Capacity Calculator
Live
$
$
$
Estimated Borrowing Capacity
$820,000
Across 28 matched lenders · 30-yr term · 6.5% assessment rate
Best Variable
5.99%
Best Fixed 3Y
6.29%
Repayment
$5,184

Indicative only. Final capacity confirmed with a strategy call.

What's covered

Home Loans — end to end.

Every angle of home loans, handled by one team that knows your file.

First Home Buyer

Navigate the First Home Guarantee, stamp duty concessions in Victoria, and the deposit gap. We sit alongside you from pre-approval to the keys.

Refinance

Drop your rate, restructure your loans, or release equity for a renovation or next investment. We benchmark your current deal against 40+ lenders.

Next Home / Upgrade

Bridging finance, sell-then-buy or buy-then-sell strategies — structured to your timeline and cash flow.

Owner-Occupied Investment Hybrid

Buying a home that doubles as a future investment? We structure the loan from day one so the structure supports your future tax position (in consultation with your accountant) — keeping re-purposing clean down the track.

Construction Loans

Building or substantially renovating? Progress-payment loans with valuations at each stage — managed end to end.

Non-Conforming & Specialist

Credit-impaired files, atypical income, complex structures. We have specialist lenders access when the majors say no.

Why Wood & Weiss

A different kind of home loans brokerage.

Real broker access. Real strategy. Real outcomes.

Real broker access

You speak directly with Jeff or Moishe. Not a junior, not a queue. Every file is director-handled.

40+ lenders compared

From the big four to non-bank specialists. We find the right fit for your situation — not just the most familiar.

Tax-aware structuring

Especially for self-employed, investors and HNW clients — we structure your loan to support the broader plan.

Free initial strategy call

Thirty minutes, no fee, no pressure. Get a clear borrowing position and a clear next step.

How it works

From first call to settlement.

Four clear steps — managed end to end, with you in the loop at every stage.

01

Strategy call

A 30-minute conversation to understand your goals, income, deposit, and timing. We confirm whether we are the right fit before going further.

02

File structure & pre-approval

We collect the documents, structure the file correctly, and submit to the most suitable lenders. Pre-approval typically issues within 5 business days.

03

Property & valuation

You find the property; we manage the lender valuation, formal approval and contract clauses with your conveyancer.

04

Settlement & beyond

We coordinate settlement and stay with you for the life of the loan — rate reviews, refinance opportunities, future purchases.

FAQ

Home Loans — common questions

How much can I borrow?
+
It depends on your income, expenses, credit history, deposit and the specific lender's criteria. Use our borrowing capacity calculator for a quick estimate, then book a strategy call to get a precise figure aligned with the lenders most likely to approve your file.
How big a deposit do I need?
+
Most lenders look for at least a 5% genuine savings deposit, though some accept smaller deposits with Lenders Mortgage Insurance (LMI) or government schemes. A 20% deposit typically avoids LMI entirely. We can show you the trade-offs for your situation.
What is LMI and when does it apply?
+
Lenders Mortgage Insurance protects the lender (not you) if you default. It typically applies when your deposit is less than 20% of the property value. The cost can be significant — sometimes $10,000-$30,000 — but it can let you enter the market sooner. We model both options on your file.
Fixed or variable rate?
+
Variable offers flexibility and benefits if rates fall; fixed gives certainty for the term. Many clients split between the two. The right answer depends on your cash flow, rate outlook and how long you plan to hold the loan. We will model both for your file.
Am I eligible for First Home Buyer schemes in Victoria?
+
There are several: stamp duty concessions for properties up to $750,000, the First Home Owner Grant for new builds, and the federal First Home Guarantee for buyers with 5% deposits. We will confirm eligibility against current criteria and incorporate the right schemes into your strategy.
Do you charge a fee?
+
For most residential loans we are paid commission by the lender once your loan settles — our service is free to you. For complex or non-conforming files we sometimes charge a service fee, but this is always disclosed and agreed up front before any work begins.
Jeff Moishe
Jeff & Moishe — Co-directors Real broker access · 5.0★ across all reviews · Melbourne-based, Australia-wide
Talk to us →
Book a call

Talk to a real broker. Today.

30 minutes with Jeff or Moishe. We'll review your position, map your options across 40+ lenders, and give you a clear next step. No script. No upsell.

  • 30-minute strategy call (phone or video)
  • Borrowing position review and lender matching
  • Written follow-up with clear next steps
  • Direct director access — Jeff or Moishe handles your file

Pick a time that suits you

Jump into our live booking calendar and lock in a 30-minute strategy call with Jeff or Moishe — phone or video, whenever works for you.

Book a Call →
Opens book.woodandweiss.com.au · secure online scheduling

Ready to make a move?

Book a 30-minute strategy call. Free. No obligation. Talk to a real broker today.