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OWNER-OCCUPIED HOME
The property is purchased as your primary residence, providing a place to live while helping you build ownership and long-term personal value.
START YOUR RESIDENTIAL HOME LOAN APPLICATION
Whether you are buying your first home or moving to your next property, Audax Home Loans can help you prepare and manage your application to participating banks.
FINANCE YOUR NEXT HOME
Buying a home is one of the most important financial decisions you may make. The right home loan can help you purchase a property that suits your needs while keeping the repayment structure aligned with your financial circumstances.
Audax Home Loans assists buyers with preparing and submitting residential home loan applications to participating banks. We help you understand the information banks may require, manage the application process and compare the responses received.
Whether you are buying your first home, moving to a larger property, downsizing or purchasing a replacement home, we provide personal guidance throughout your home loan application journey.
Calculator results and website information are estimates and general information only. They do not constitute financial, investment, legal or tax advice and do not guarantee home loan approval. Approval, interest rates, loan amounts, deposits and conditions remain subject to the participating bank’s assessment and lending criteria.
WHAT IS A RESIDENTIAL HOME LOAN?
A residential home loan is used to finance a property that you intend to occupy as your primary residence.
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PURCHASE
FINANCE
A residential home loan helps finance the purchase price, subject to the bank’s approved amount, deposit requirements and lending conditions.
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MONTHLY REPAYMENTS
The loan is repaid monthly over an agreed term, with repayments affected by the loan amount, interest rate and repayment period.
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BANK
ASSESSMENT
Each bank reviews your affordability, credit profile, income, deposit and the property before deciding whether the application can be approved.
WHY USE A BOND ORIGINATOR?
Audax Home Loans helps simplify the application process by coordinating one application across participating banks.
ONE APPLICATION
Complete one structured application instead of preparing a separate home loan application for every participating bank.
MULTIPLE BANKS
Your application can be submitted to participating banks, giving you access to more than one lending assessment.
COMPARE OFFERS
Where offers are received, we help you compare the approved amounts, interest rates, deposits, terms and conditions.
PERSONAL GUIDANCE
We explain the information required and support you through the application process, bank requests and responses.
APPLICATION FOLLOW-UP
Audax Home Loans communicates with participating banks and helps coordinate requests for additional supporting information.
NO ORIGINATION APPLICATION FEE
Audax Home Loans does not charge the applicant a bond-origination application fee. Bank, legal, registration, transfer and other transaction-related costs may still apply.
HOME LOANS FOR DIFFERENT BUYERS
Audax Home Loans assists buyers with different income, ownership and purchasing circumstances.
FIRST-TIME HOME BUYERS
We help first-time buyers understand the home loan process,
prepare supporting documents and estimate repayments,
while explaining the factors banks may assess.
EXISTING HOMEOWNERS
We assist existing homeowners purchasing another home,
whether they are upgrading, downsizing or relocating,
subject to affordability and bank lending criteria.
SELF-EMPLOYED BUYERS
We guide self-employed buyers through the additional
financial and business documents that banks may request
when assessing income, stability and affordability.
JOINT APPLICANTS
Partners, spouses or other eligible applicants may apply
jointly, subject to each participating bank’s affordability,
credit assessment and lending criteria.
YOUR HOME LOAN APPLICATION JOURNEY
We help coordinate the home loan application while you focus on finding and purchasing the right property.
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ASSESS YOUR HOME-BUYING BUDGET
Review your available deposit, monthly income, expenses, existing commitments and estimated home ownership costs.
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REQUEST PRE-QUALIFICATION
A pre-qualification estimate can help you understand a possible purchasing range before you begin making offers on properties.
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FIND THE RIGHT PROPERTY
Consider the location, property condition, purchase price, ongoing costs and suitability for your household.
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SIGN THE OFFER TO PURCHASE
Ensure that the agreement contains an appropriate finance clause and allows sufficient time for the home loan application to be assessed.
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PREPARE YOUR DOCUMENTS
Audax Home Loans helps you identify the personal, financial, employment and property documents required for submission.
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COMPLETE ONE APPLICATION
We collect the information required to present your residential home loan application to participating banks.
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SUBMIT TO PARTICIPATING BANKS
Each bank assesses the application according to its own credit, affordability, valuation and lending requirements.
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REVIEW AND ACCEPT AN OFFER
Where offers are received, we help you understand the terms so you can select and accept your preferred option.
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BOND REGISTRATION AND PROPERTY TRANSFER
Once the accepted offer conditions have been met, the appointed attorneys coordinate the bond-registration and property-transfer process through to registration.
WHAT BANKS MAY CONSIDER
Every participating bank applies its own affordability, credit, valuation and lending criteria when assessing an application.
PERSONAL AFFORDABILITY
Your verified income, monthly expenses, existing commitments and disposable income may form part of the affordability assessment.
CREDIT PROFILE
Banks may consider your credit history, current accounts, repayment conduct and total existing debt exposure.
INCOME AND EMPLOYMENT
Banks may review your income source, employment history, income stability and the documents provided to verify earnings.
AVAILABLE DEPOSIT
A bank may approve the full requested amount, approve a lower amount or require you to contribute a deposit.
PROPERTY VALUATION
The bank may assess the market value, location, condition and suitability of the property being offered as security.
EXISTING COMMITMENTS
Existing home loans, vehicle finance, credit accounts and other monthly obligations may affect the bank’s assessment.
GET PRE-QUALIFIED BEFORE YOU BUY
Understand a possible purchasing range before you make an offer on a home.
DOCUMENTS YOU MAY NEED
The exact document requirements differ according to the bank, application type and applicant circumstances.
PERSONAL DOCUMENTS
- Valid identity document or passport
- Proof of residential address
- Marital-status information where applicable
- Contact and tax information where required
- Information for every joint applicant
FINANCIAL DOCUMENTS
- Recent payslips or proof of income
- Recent personal bank statements
- Monthly income and expense information
- Details of existing credit commitments
- Proof of deposit or savings where applicable
PROPERTY DOCUMENTS
- Signed Offer to Purchase
- Property address and purchase price
- Seller or estate-agent information
- Development information where applicable
- Additional property details requested by the bank
SELF-EMPLOYED APPLICANTS
Self-employed applicants may be asked for additional information such as annual financial statements, management accounts, business bank statements, company-registration documents, tax information and confirmation from an accountant.
UNDERSTAND THE COST OF BUYING A HOME
The monthly home loan repayment is only one part of purchasing, owning and maintaining a residential property.
UPFRONT COSTS
- Deposit required by the bank, if applicable
- Transfer duty where payable
- Transfer attorney fees
- Bond registration fees
- Deeds Office and administration costs
- Bank initiation or related fees
- Moving and connection costs
- Immediate repairs or improvements
ONGOING COSTS
- Monthly home loan repayment
- Municipal rates, taxes and services
- Sectional-title or estate levies
- Building and household insurance
- Repairs and regular maintenance
- Utilities and security costs
- Interest-rate changes
- General household expenses
PLAN BEYOND THE MONTHLY REPAYMENT
Consider the full cost of home ownership and maintain a practical financial buffer for maintenance, insurance, unexpected repairs and possible interest-rate changes.
CHOOSE THE RIGHT HOME FOR YOUR NEEDS
Review the property’s location, condition, costs and long-term suitability before committing to the purchase.
LOCATION AND LIFESTYLE
- Travel time to work and daily activities
- Schools and childcare facilities
- Transport routes and public transport
- Shopping and essential services
- Safety and neighbourhood suitability
PROPERTY CONDITION
- Structural and maintenance condition
- Security features
- Expected repair costs
- Age of fixtures and systems
- Suitability for your household
LONG-TERM AFFORDABILITY
- Monthly repayment estimate
- Rates, levies and insurance
- Maintenance and utility costs
- Potential interest-rate changes
- Future household and lifestyle needs
FINANCIAL INSIGHT AND PERSONAL SUPPORT
Audax Home Loans was founded by practising professional accountants, supporting a structured approach to income, expenses, commitments and affordability.
HOW AUDAX HOME LOANS ASSISTS YOU
We help prepare your application, submit it to participating banks, communicate requests for further information and help you understand the offers or responses received.
Our role is to make the application process clearer, more convenient and easier to manage.
OUR APPLICATION SUPPORT
- One structured home loan application
- Submission to participating banks
- Guidance on supporting documentation
- Application follow-up and communication
- Explanation of bank responses and conditions
- Personal assistance throughout the process
- No bond-origination application fee charged to the applicant
USE OUR HOME LOAN CALCULATORS
Estimate affordability, monthly repayments and selected transaction-related costs before submitting your application.
AFFORDABILITY CALCULATOR
Estimate the home loan amount you may be able to afford using your income and monthly financial commitments.
REPAYMENT CALCULATOR
Estimate the monthly repayment using the intended loan amount, interest rate and repayment period.
BOND AND TRANSFER COSTS
Estimate selected legal, registration and transfer-related costs associated with purchasing the property.
RESIDENTIAL HOME LOAN FAQ
Find answers to common questions about residential home loan applications and the purchasing process.
WHAT IS A RESIDENTIAL HOME LOAN?
It is a loan used to finance a residential property that you intend to occupy as your primary home.
HOW MUCH CAN I AFFORD TO BORROW?
The amount depends on your verified income, monthly expenses, existing commitments, credit profile and each bank’s affordability criteria.
WILL I NEED A DEPOSIT?
A deposit may be required depending on the bank, application, property valuation and approved loan amount. Full purchase-price finance is not guaranteed.
CAN A FIRST-TIME BUYER APPLY?
Yes. First-time buyers may apply, subject to the participating bank’s affordability, credit and lending criteria.
CAN A SELF-EMPLOYED BUYER APPLY?
Yes. Self-employed applicants may need to provide additional business, financial, banking and tax information.
DOES PRE-QUALIFICATION GUARANTEE APPROVAL?
No. Pre-qualification is an estimate and does not guarantee final approval. The full application and property still need to be assessed by the bank.
WHAT HAPPENS IF ONE BANK DECLINES?
A decline from one bank does not automatically determine the outcome at another bank. Each participating bank applies its own criteria.
DOES AUDAX GUARANTEE HOME LOAN APPROVAL?
No. Each bank makes its own lending decision. Approval, interest rates, deposits and conditions depend on the bank’s assessment.
HOW MUCH DOES THE APPLICATION SERVICE COST?
Audax Home Loans does not charge the applicant a bond-origination application fee for submitting the application to participating banks. Bank, legal, registration, transfer and other transaction-related costs may still apply.
WHAT HAPPENS AFTER I ACCEPT AN OFFER?
The bank and appointed attorneys proceed with the remaining approval conditions, guarantees, bond registration and property-transfer process.