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Rated 5 from 61 Reviews

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Getting your Borrowing Capacity with Defence Loans

At Defence Loans, we specialise in assisting current and former Australian Defence Force (ADF) members to access home loan options from banks and lenders across Australia. Our experienced finance and mortgage brokers understand the unique needs of defence personnel, helping you navigate the complexities of buying a home. Whether you're looking to secure a competitive interest rate or determine your maximum borrowing capacity, our team is here to guide you every step of the way. With tailored advice and personalised service, we aim to make the process of applying for a home loan as straightforward as possible.

Understanding your borrowing capacity is crucial when considering a home loan. Our finance and mortgage brokers can help you calculate your borrowing capacity, taking into account factors such as household income, size of household, and the volume of dependents. By estimating your borrowing capacity, you can gain insights into the loan amount you may be eligible for. Additionally, we consider your lifestyle and living expenses to provide a comprehensive view of your financial situation. This approach ensures that you are well-prepared to make informed decisions in the ever-changing property market.

Securing a home loan pre-approval is another essential step in the home buying process. Pre-approval not only gives you a clear idea of your budget but also strengthens your position when negotiating with sellers. Our finance and mortgage brokers assist you in getting pre-approved by assessing your credit history, property deposit, and the value of the property you wish to purchase. We work closely with various lenders to find a home loan that aligns with your financial goals while offering competitive interest rates. This proactive step can enhance your confidence when making offers on properties.

Understanding the application process is vital for a smooth home buying experience. Our finance and mortgage brokers simplify this process by providing clear guidance on required documentation and timelines. We help you gather essential documents such as proof of income, details of assets and liabilities, and evidence of any existing loans. By streamlining the application process, we aim to minimise stress and ensure you are well-prepared to meet lender requirements. Our experts are also available to answer any questions you may have about loan terms, interest rates, and repayment options.

In conclusion, Defence Loans is committed to supporting ADF members in their home buying journey. Our finance and mortgage brokers offer personalised advice to help you access the best home loan options from banks and lenders across Australia. By understanding your borrowing capacity and securing pre-approval, we aim to simplify the process of buying a home. We invite you to contact us today to discuss your needs and explore how we can assist you in achieving your property goals. Let us help you make informed decisions with confidence in the property market.

Reviews for Defence Loans

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Assad Hamid

My unconditional approval was rejected just two days before settlement in Aug 2025, and you can imagine the pressure at that stage. Luckily My team refer me to Azura Team and there I e- meet Mr. Carl Elsass. He took the case under his wings and after submitting requested documents in just two days I got unconditional approval and also refinance of one of my unit to make the settlement possible. He really did the work like he is doing for himself. This is only I can feel through out the process. I definitely recommend Azura for their dedicated support and very soon I will be getting into the next one. Thanks Azura for helping the community.

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Jared Ridler

Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!

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Ingrid Rollero

Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!

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Kirsten Turco

Nick gave us a friendly service & was extremely helpful. Highly recommended!

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Harry

Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!

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Elizabeth Bottomley

Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...

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claudia alvarez

I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela

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Javier Gómez

Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.

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Glen Ashley

Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.

Frequently Asked Questions

Can you only help with Home Loans?

We specialise in a range of lending solutions including Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and many other financing options tailored to ADF members' unique needs. Whether you're looking to purchase your first home, build a custom property, invest in real estate, or finance a vehicle, we have the expertise and lender relationships to help you secure the right loan.

What fees should I expect when working with Defence Home Loans?

Our mortgage broking service is typically completely free to you as our clients, as we receive our commission payments directly from the lenders once your loan successfully settles. We maintain complete transparency throughout the entire process by clearly explaining all potential costs upfront and ensuring you have a full understanding of any fees or charges before we proceed with your application.

Do I need to provide different documentation as an ADF member?

ADF members often have complex income structures including various allowances and deployment pay that civilian mortgage brokers may not understand, but we specialise in presenting these effectively to lenders. We'll provide expert guidance on gathering the right documentation including payslips, allowance statements, and deployment records to showcase your complete financial picture in the strongest way.

Are your mortgage brokers licensed and accredited?

All of our mortgage brokers hold full accreditation and maintain active membership with the Mortgage and Finance Association of Australia, meeting the highest industry standards. Our team has earned a reputation for being extremely professional while providing exceptional service across lending options, specifically understanding the unique circumstances of current and former ADF members.

Can I apply for a home loan while deployed overseas?

Absolutely - our advanced online technology platform works seamlessly with ADF members regardless of where you're currently stationed around the world. We can manage the entire loan application process remotely, maintaining regular communication and updates throughout your deployment to ensure everything progresses smoothly.

What happens to my loan application if I get posted to a new location?

We completely understand that regular postings and relocations are an integral part of ADF life and plan accordingly when structuring your application. We work with lenders who are familiar with military requirements and can structure loans that accommodate potential moves and the unique flexibility that Defence personnel need.RetryClaude can make mistakes. Please double-check responses.