• Personal service, stress free. How very unlike a bank

    As one of Australia's leading Non-Bank Lenders, Direct Credit Home Loans Australia is all about you. That means dedicated, personalised service tailored to your specific needs. Our local customer service and credit team are here to help, with expert knowledge.

    Find out how we work
  • 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. Your assigned a dedicated manager to be 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.
  • We pass our savings on to you

    We don't have a branch network or overseas call centres to maintain. Fewer overheads means lower interest rates and fee's for you, and streamlined applications means quicker response.
    Check our handy home loan calculators
  • Can't tick a bank loan box? We can help.

    Direct Credit Home Loans Australia offer's traditional home loans as well as a range of specialist alternative mortgages for Low-Doc or self employed borrowers and those with challenging credit histories. If you've got an ATO debt or default to pay out, or a new business with limited financials, you can still buy or refinance a property. You might be surprised by how competitive our rates are. Have a confidential chat with us today
  • Commercial Loans Made Easy

    We offer a range of innovative commercial products up to 3 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 requiring 12 months ABN 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?

Get organised and stress less with these useful checklists.

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How Much Can I Borrow?

Enter your income and expenses to find out how much you could borrow right now.

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Apply Online

Apply online today!

We can arrange an Approval in Principle, so you can have more confidence house hunting.

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Find out why our clients keep coming back!

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

Direct Credit's Home Loans are underwritten by one of Australia's largest banks, ensuring your loan is competitive and secure. The difference? Our exceptional personal service.

Low-Doc Home Loans

If your finding it hard to get a flexible and competitive Low-Doc home loan we can help, with specialist loans that make it easier (and more affordable) to buy your property.

Alternative Home Loans

Everyone's needs are different, and sometimes our outside the box home loans are just what you need.

Commercial and SMSF Loans

You can buy commercial properties, or invest in property through your Self Managed Super Fund. Ask about our Low-Doc commercial loans

Vehicle and Equipment Loans

Need a new car, truck or equipment for your business? We can arrange that too - including low doc loans for self employed borrowers.


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