• Enjoy non-bank service

    Direct Credit Home Loans Australia being One of Australia's leading Non-Bank Home Loan Lenders, your call to us isn’t directed to an overseas call center or placed in a lengthy cue.

    Our dedicated customer service and loan credit team are based here in Australia with Local knowledge and understanding that everyone’s needs are different. Our business is built on providing a quality service with a stress-free loan experience.
  • Online Application made easy!

    At Direct Credit Home Loans Australia, when you apply online it doesn't mean that we don't offer great personal service. In fact, it’s quite the opposite. Our experienced team of credit managers help customers each day across the country from our Australian call centre in Brisbane. Unlike most banks, when you apply online you’re assigned your own personal lending manager who is your single point of contact for the whole process. They’re with you all the way through to settlement. It makes it easier for you, and for us, since you don’t have to retell your story to someone new each time you call us.
  • Online = Savings for you

    Direct Credit Home Loans Australia doesn’t have a branch network to maintain or mortgage brokers to pay. Fewer overheads mean doing business costs less and those savings translate directly into lower interest rates and fees for you.
    By keeping our interest rates low and streamlining the loan application process, Direct Credit Home Loans Australia is taking competition up to the big four banks and challenging to be on the forefront of the home loan industry in Australia.
  • We think outside the traditional square!

    At Direct Credit Home Loans Australia not only do we offer traditional lending, but also provide a range of innovative home loan products for Low Doc Borrowers, People who have had past credit problems, Have ATO Debts, defaults or Judgements they wish to payout, or only have been in business for a short time and have limited financials. We understand that everyone is different and we can tailor an individual solution for you. With our alternate products being some of the cheapest in today’s market place, Direct Credit Home Loan Australia’s team are happy to discuss your situation confidentially today!
  • Commercial Loans Made Easy

    We offer a range of innovative commercial products up to 2.5 Million, with loan terms up to 30yrs with no annual reviews required. Also in the commercial lending sphere, not only do we offer full doc traditional loans, we can offer low doc loans with No Bas Statements with 12 months BAS and GST registration with Accountants declaration only required. Some credit impairment may also be acceptable. Purchases and refinances of acceptable commercial security available with unlimited cash out. Call us today to find out more from one of our commercial experts.

Steps to Finance


Loan Checklist

Buying a home, investing in property or refinancing?

These checklists provide a useful way to help you get organised during this confusing time.

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How Much Can I Borrow?

Find out how much you can expect to borrow, based on how much you earn and what your current expenses are.

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Apply Online

Apply online today!

An Approval in Principle* is a quick and easy way to help you start the home loan application process.

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Experience the Direct Credit Home Loans Difference!

Did your bank say no? We say yes more often.

Australian Credit License Number 392727

Free call 1800 000 800

From anywhere in Australia at any time.
Home Loan Specialists

Standard Home Loan

Our own Home Loan products are underwritten by one of Australia's largest banks, ensuring your loan with us remains competitive and safe. Experience the Direct Credit Home Loan difference today.

Low-Doc Home Loans

Flexible and Competitive Low Doc Home Loans are difficult to find these days, we provide an array of different Low Doc solutions to meet your needs.

Outside the square Home Loans

We offer a tailored lending solution, as we understand everyones needs are different.

Commercial and SMSF Loans

Commercial and Self Managed Super Funds loans available, including Low Doc commercial loans.

Vehicle and Equipment Loans

Finance availible for cars, trucks and equipment. Low Doc available for self employed borrowers.


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