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Home Loans
Explore lending pathways for purchasing or refinancing a residential property.
Who this may suit
First home buyers exploring the purchase process
Owner-occupiers looking to buy their next home
Borrowers with a deposit ready and stable income
Buyers seeking guidance on structuring a residential loan
Common use cases
Purchasing an owner-occupied home
Buying with a small deposit using LMI support
Upsizing or downsizing to a new property
First home buyer grants and scheme support
Purchasing land and construction combined
Buying in a new suburb or interstate
Documents commonly required
Valid photo ID (passport or driver's licence)
Recent payslips (last 2–3) or tax returns if self-employed
Last 3–6 months bank statements
Employment contract or letter of employment
Rates notice or contract of sale for the property
Evidence of deposit or savings (genuine savings may be required)
Existing loan statements if applicable
Important considerations
Loan-to-value ratio (LVR) affects interest rates and whether LMI applies — typically LMI applies above 80% LVR
Serviceability is assessed on income, expenses and existing debts — lender assessments vary
Stamp duty and other purchase costs are additional to the purchase price
First Home Owner Grant (FHOG) eligibility varies by state — check with your state revenue office
Fixed vs variable rates have different features, break costs and flexibility considerations
All lending subject to lender assessment, credit criteria and final approval
Ready to explore your options?
Start a lending enquiry
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Helpful official resources
The following links are to independent government and regulatory sources. They are provided for general reference only.
Important Information
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.
Information on this page is general in nature and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute credit advice, financial advice, loan approval or a loan offer. Any lending outcome is subject to lender assessment, eligibility, verification, valuation, credit criteria, responsible lending obligations and final approval. Fees, charges, terms, conditions and lending criteria may apply. K&M Capital may assist borrowers by collecting enquiry information, helping prepare lending scenarios and connecting borrowers with brokers, lenders, service providers or referral partners where appropriate. K&M Solutions and Services Pty Ltd (ACN 649 305 126) does not hold an Australian Credit Licence.