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Specialist Lending Services
Some occupations qualify for low rate, low deposit, and no LMI finance options. We have experienced experts on staff to satify the needs of these groups and maximise borrowing capacity.
Doctors and other health professionals are considered a low-risk borrower. Banks with your future business, so they make provisions for significant borrowing with no LMI.
Lawysers, solicitors, registeed legal professionals, and some support staff are considered a low-risk borrower so lenders make provisions for your borrowing with no LMI.
Engineers are considered a high-skilled and low-risk borrower, so lenders may make provisions for your borrowing with lower rates, better conditions, and no LMI.
Law enforcement, firefighters, military, and the abulance service, are considered low-risk borrowers so lenders may offer lower rates, better conditions, and no LMI.
Lawysers, solicitors, registeed legal professionals, and some support staff are considered a low-risk borrower so lenders make provisions for your borrowing with no LMI.
Agrifinance is a speciality lending that requires agricularial and farming specialists. Call us for details and to check on various government incentives.
Teachers and Early Educators play an important role in our lives, have a stable income, and are in high demand. Lenders rewards this with low desposit, no LMI loans.
We provide a range of aircraft financing options. Available for single, multi, and rotary aircraft of any size.
Fixed, Interest Only, Owner Occ.
Interest*
6.29%
Comparison*
5.99%
6.34%
6.09%
6.49%
6.80%
6.54%
6.17%
Various Investor Loans
Interest*
5.88%
Comparison*
5.93%
5.89%
5.91%
5.89%
5.94%
5.93%
5.95%
Big-4 Owner Occ. Mort.s
Interest*
5.84%
Comparison*
5.97%
6.04%
6.05%
6.14%
6.14%
6.14%
6.52%
Recent Reviews [ Recent Reviews ]
Absolutely blown away by the ease of working with Time! Harry made getting documents resolved easy and John was able to get us the best rate (fixed) at just the right time to achieve a significant holiday over the line
Wayne Stewart, April 21, 2026
We had an excellent experience with Time Home Loans! The team was professional, responsive, and made the whole process smooth and stress-free from start to finish. They took the time to explain everything clearly and worked hard to find the best option for our situation.Communication was outstanding, and we always felt supported and informed along the way. Nothing was ever too much trouble, and their attention to detail really stood out.Highly recommend Time Home Loans to anyone looking for reliable and friendly service. Thanks again for all your help!
Joshua Zrebiec, April 9, 2026
I initially met Johnathon over 5 years ago and, having worked as a real estate agent and met plenty of brokers, he continued to stand out as the guy I'd go to if I ever needed a loan.Some of the other brokers I know I'd be happy to have a beer with and I've even trained in the gym with some of them but Johnathon stood out as my go-to guy as he's genuine, across the details, trustworthy, and an all-round good guy.My wife, Dani, met Johnathon over a coffee where he answered all our questions and shared a link to his very insightful book.We didn't talk to anyone else, we just worked through the pre-approval process, looked at properties, made 2 offers then got an offer accepted on the second one.We had a valuation issue due to a previous disagreement between the valuer and the listing agent so Johnathon helped us change banks and fix the problem.He gave us an out on this property just in case we were concerned about the valuation but we decided to proceed and he made it happen for us.Since settlement 3 months ago, we've seen sales in our complex almost 10% above our purchase price so we're happy that Johnathon was able to help us achieve our dream result.Thanks again mate, I look forward to a few beers with you sometime soon.
Chris Andersen, November 28, 2025
John and his team did a great job helping us into our new home thanks again
warren james, September 10, 2025
We had the pleasure of dealing with John and his team for the recent purchase of our home. John was very professional and efficient throughout the process. John was always happy to explain things in what can be a tricky and complex process. Highly recommend Time Home Loans.
Matthew Capelo, August 12, 2025
John always kept us up to date with how everything was going and very informative throughout the whole process. Will definitely recommend to all my family and friends. Thanks again John
Tammy Little, August 1, 2025
John and his team were fantastic to deal with throughout our refinance. They were patient with my questions, prompt with feedback and presented some fantastic options from various lenders.Will be using them again for our next purchase / refinance.
Marc Craske, July 10, 2025
I can’t be thankful enough for the support from Johnathon and the whole team at Time Home Loans through our refinance. They are so wonderfully communicative and helpful and nothing seems to be too much trouble. I would never use another broker again! Thanks team.
