Rated 5 from 61 Reviews
Defence Loans is dedicated to serving the unique needs of current and former Australian Defence Force (ADF) members. We understand that navigating the world of finance can be complex, which is why our team of experienced Finance & Mortgage Brokers is here to guide you. Whether you're looking to access loan options from banks and lenders across Australia or aiming to make the most of your financial situation, we are committed to providing you with the support you need.
At Defence Loans, we pride ourselves on offering a comprehensive suite of services tailored to meet your specific requirements. One of our key offerings is helping you access better loan options. Our brokers work diligently to secure favourable interest rates and loan amounts, enabling you to make informed decisions. If you're considering releasing equity in your property, whether to buy the next property or for other purposes, our team can assist in evaluating the best strategies for you.
Understanding interest rates and how they impact your finances is crucial. We help you review your current home loan rate and explore opportunities to access a lower interest rate. Whether you're interested in switching between fixed and variable interest rates or altering the loan term, our brokers are equipped to provide insights that align with your financial goals. By regularly reviewing your loan, including conducting a comprehensive mortgage health check, we ensure you're always aware of how much you can save.
Another significant aspect of our services is debt management. If you're looking to consolidate debts or reduce loan repayments, we offer solutions tailored to your needs. Our brokers can guide you in thinking about topping up your home loan or even planning renovations. These strategies not only help manage your finances better but also aim to assist you in paying off your home sooner. For those considering buying an investment property, we provide advice on releasing equity and accessing better loan features that support your investment journey.
Our commitment extends to offering personalised advice for refinancing. With competitive refinance interest rates available, we help you assess options to improve your financial standing. By accessing a lower interest rate or changing your loan term, you can achieve more manageable repayments. We recognise that many ADF members are interested in reducing or locking in repayments to secure financial stability. Our expert brokers are here to ensure that these transitions occur smoothly.
At Defence Loans, we believe in empowering you with the right tools and knowledge to make sound financial decisions. Our services are designed with your best interests at heart, ensuring you receive the most advantageous outcomes possible.
If you're ready to take control of your financial future, our Finance & Mortgage Brokers are here to assist. We invite you to reach out for a loan health check and explore how Defence Loans can support you in securing better loan options today. Let us help you achieve your financial goals with confidence and clarity.
AH
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.
JR
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!
IR
Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
KT
Kirsten Turco
Nick gave us a friendly service & was extremely helpful. Highly recommended!
H
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!
EB
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 ...
ca
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
JG
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.
GA
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.
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.
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.
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.
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.
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.
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.
Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328..
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.
Site by Broker Studio
