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What We Offer

Every loan type,
one trusted broker.

From first home to commercial finance, we match you with the right product from 50+ lenders — at no cost to you.

Our Services

Loan solutions for every situation

First Home Buyers

First Home Buyer Loans

Your first property is a huge step. We make it manageable — from understanding your borrowing capacity to using the Australian Government 5% Deposit Scheme.

  • First Home Guarantee (5% deposit, no LMI)
  • Queensland First Home Owner Grant ($30,000 for new builds)
  • Pre-approval before you start searching
  • Clear explanation of LMI

Eligibility criteria, income tests and property price caps apply to government schemes and grants — ask us if you qualify.

Refinancing

Refinance Your Home Loan

Your current rate may not be competitive. We compare your existing loan against our panel.

  • Rate review and gap analysis
  • Cash-out refinance for renovations or investment
  • Debt consolidation options
  • Fixed vs variable rate comparison
Investors

Investment Property Loans

We help you set up your finance to support long-term portfolio growth.

  • Interest-only loan structuring
  • Portfolio lending across multiple properties
Self-Employed

Self-Employed Home Loans

Your income looks different on paper — but that doesn't mean you should get a worse deal. We know the lenders who understand business owners.

  • Full doc and low doc options
  • 2-year ABN and 1-year ABN lenders available
Construction

Construction & Land Loans

Building a new home or doing a knockdown rebuild? We structure progressive drawdown loans that keep your project moving.

  • Construction loan with progressive drawdowns
  • House and land package finance
  • Owner-builder lending (selected lenders)

The Process

From call to keys — here's how it works

1

Free discovery call

We understand your situation, needs goals, and objectives in a no-pressure conversation.

2

Loan comparison

We search 50+ lenders and present the best-fit options with clear comparisons.

3

Application & pre-approval

We prepare and submit your application, chasing the lender so you don't have to.

4

Approval & settlement

We coordinate with your solicitor, agent, and lender to get you to settlement smoothly.

5

Ongoing support

We review your loan annually to ensure it stays competitive as your life changes.

Common Questions

Frequently asked questions

How much does a mortgage broker cost? +
In almost all cases, nothing. Mortgage brokers are paid a commission by the lender when your loan settles. This is disclosed to you in full — there's no hidden cost to using Olive Loans.
How much can I borrow? +
Your borrowing capacity depends on your income, expenses, existing debts, and the number of dependants. Book a free call and we'll give you an accurate picture.
What deposit do I need for my first home in Queensland? +
A 20% deposit avoids Lenders Mortgage Insurance (LMI). However, through the Australian government 5% Deposit Scheme, eligible buyers can purchase with as little as 5% deposit with no LMI. The Queensland First Home Owner Grant ($30,000 for new builds) can also help bridge the gap. Eligibility criteria and property price caps apply to both schemes — we'll confirm exactly what you qualify for on a call.
Fixed or variable rate — which is better? +
Neither is universally better — it depends on the current rate environment, your circumstances, and how much certainty you want. Fixed rates give payment stability; variable rates offer flexibility (extra repayments, offset accounts). We help you compare the numbers and choose what fits your plan.
I'm self-employed. Can I still get a home loan? +
Absolutely. Many self-employed borrowers assume they can't qualify, but there are lenders specifically set up for business owners. Full doc (2 years tax returns) and low doc (BAS, accountant letter) options are available. The key is finding the right lender — which is exactly what we do.
How long does the loan process take? +
Pre-approval typically takes 3–5 business days once we have all your documents. Full approval and settlement timelines vary by lender and property type, but most residential loans settle within 4–6 weeks of application. We keep you updated at every stage.
Still have questions? Book a call →