Home >
Home Loans
Don’t be misled; home loans are not just about the rate. Not all home loans are created equal and it all depends on your individual situation.
With all loans under the one roof and a wide selection of tailored solutions available to you, your Dreamstreet mortgage consultant will find the right fit for you and give you the power to do more of what you dream of.
We value inclusivity. All applications are treated equally – we welcome first home buyers, home owners who are refinancing, investors of any age and stage, as well as people who are self-employed.
We aim for loans to be approved in 4 working days.
- You deal directly with one of our team.
- You can get a pre-approval certificate to buy with confidence.
- Loan consolidations and tailored solutions are available.
- Residential and investment property loans are available.
First Home Buyers
Buying your first home is an exciting time and one of life’s big milestones! Dreamstreet has flexible solutions to get you in your own home sooner and help your budget go further.
Make sure you check out your eligibility for the First Home Owner Grant and the First Home Loan Deposit Scheme to help you with your deposit.
Even if you don’t have the full deposit expected by the big banks, but you can service the loan you need, then talk to us.
We aim for the home loan approval process to take just 4 days, and we come to you!
We can also provide you with a loan pre-approval certificate so you can buy with confidence.
Investors
If your dream is to create wealth by investing in property, Dreamstreet can help you! Whether it’s your first investment property or you’re adding to an established portfolio, we can tailor the best loan for your specific needs.
Your personal Dreamstreet lending professional will take you through our simple step-by-step process to determine your borrowing power and ideal repayments. They’ll then help you to choose your investment property loan solution from our flexible range, before arranging a simple and quick approval.
Construction Loans
If you plan to build your dream home, you need a construction loan. This usually involves progressive drawdown payments to your builder as each major stage of your home construction work is successfully completed. Repayments on a construction loan are usually interest-only during the building process. Interest is only charged as funds are progressively drawn-down.
Once your home building process is complete, your construction loan will automatically revert to a standard home loan with principal and interest repayments.
Construction loans are available for both registered builders and owner-builders. You have up to 12 months to complete your home’s construction after the settlement of your land.
Our specialist mortgage consultants at Dreamstreet will come to you and tailor a construction loan to meet your building needs and budget.
FAQs
How come you say you can compete against other banks? Won’t this reduce the service you provide?
There are lots of reasons our customers love us and you can check out our reviews for yourself to see what they say. We can offer great savings to our clients without cutting back on customer service because we don’t have massive shareholders and we don’t have the cost of bricks and mortar buildings to add to our overheads. We give those savings back to you. We believe it’s far better for us to come to you, whenever and and wherever it suits you.
Dreamstreet is able to offer you flexible solutions because we’re not confined to off-the-shelf products like many banks are. We also have all types of loans under the one roof. This means all your loans can be rationalised so you can get a better overall outcome.
We are more concerned with cutting our customer’s total loan costs, rather than only focusing on published interest rates (which on their own can be just ‘smoke and mirrors’ in terms of savings).
Have a chat with one of our Dreamstreet mortgage consultants and see for yourself how we can save you!
How long will it take to get my home loan approved?
If all necessary loan application documents are provided we can give you an indicative answer within 24 hours and aim for an approval within 4 working days. We are locally based in Australia and there are no overseas call centres or recorded messages to delay the process.
What information do I need to give to get a home loan?
The information may vary depending on your individual circumstances. However, the minimum requirements are 100 Points of ID, proof of your income, and current bank statements showing your savings history. We will check your credit score. Your personal Dreamstreet mortgage consultant will let you know if you need to provide any additional information.
How much is the First Home Owners Grant (FHOG)?
The amount varies between Australian States and Territories. You can find out the specific amount for your location from your State or Territory’s Revenue Office.
If I have defaults on my credit file, does this mean I can’t get a home loan?
It can make things harder, but it’s not impossible.
How do I know which loan is best for me?
That depends on your individual situation. Your Dreamstreet mortgage consultant will take the time to understand your specific needs and circumstances before recommending a tailored loan option for you. We don’t force you into ‘off-the-shelf’ products like other banks do.
If I already have a home loan with a bank is it easy to switch to Dreamstreet Lending?
Yes, we’re big on customer service and making things easy for our clients. Your personal Dreamstreet mortgage consultant will come to you to help make the switch hassle-free. We guarantee that we’ll save you money by switching to use or we’ll give you $1,000 cash! Find more about our $1,000 challenge here.
Stay Updated
Be the first to get latest updates and exclusive content straight to your email inbox.
