loansearcher.com.au  is a free service - which removes the confusion that a choice of over 400 lenders and 4000 products brings.

Our team of accredited and qualified brokers who will not charge you any fees, are  here to help you make the right product choice, from a range of home loan options with flexible features and competitive interest rates.  We also pride ourselves on our willingness to answer your questions and providing great customer service.

If you are ready to have a broker help you achieve your goals – please fill in the details in our short Enquiry Form.

This is a loan which works as an account where all income is deposited in the account and all expenses come out of the account. The benefit of the All In One Account is that with disciplined money management, its ability to reduce the amount owed and thus the interest payments over the life of the loan, while providing a one-stop finance shop where your loan, cheque, credit and savings accounts are combined into one. Normally these loans will be at the standard variable rate or slightly higher and may incur monthly or annual fees.

A line of credit can be set to a negotiated time or be classed as evergreen or revolving (longer terms – with or without review periods) and you only have to pay interest on the money you use (or ‘draw down’).

Interest rates are variable and due to the level of flexibility are usually slightly  higher than the standard variable rate. Some lines of credit will allow you to capitalise the interest until you reach your credit limit i.e. use your line of credit to pay off the interest on your line of credit. Most of these loans have a monthly, half yearly or annual fee attached.

Be aware that if the account is split into the loan account, with credit, cheque and ATM facilities placed into satellite accounts, you will need to check your access to funds, how many free transactions you receive, and what associated fees the loan may have.
These loans are suited to medium to high income earners.

More information:

Once you have completed our Enquiry Form, one of our experienced consultants will be able to discuss your circumstances with you. 

As we provide a Broker Service, we have a large panel of lenders to recommend and no allegiance to any one of them.  We monitor the offerings from all the lenders constantly. 

When it comes to choosing the lender that’s right for you – we provide you with several options to choose from.  Usually it is the three best lenders of the week, with their interest rates, fees and charges and application fees.

Feel free to use our calculators to see how much you can borrow, what costs are involved and what your repayment will be.

For all your questions, contact a Consultant on   Freecall 1800 080 129