Home loans for the way home feels.
Buying your first place, moving up, or refinancing — with rates from 3.5%, pre-approval in minutes, and closing in about three weeks.
Our signature loan, done properly.
Home lending is where Quillbrook began, and it shows. First-time buyer programs with low deposits, fixed-rate certainty for planners, and refinancing that actually lowers your total cost — each compared across 40+ lenders so the offer you see is genuinely the market's best for you.
Your advisor handles valuation, paperwork, and closing coordination. You handle choosing paint colors.
Three paths home
Illustrative rates for strong credit. Your advisor confirms your exact offer.
First home
- Low-deposit programs
- Free valuation review
- Step-by-step buyer coaching
Fixed-rate — most popular
- Payment certainty for a decade
- Overpay up to 10% yearly
- Free remortgage legal work
Refinance
- Whole-market rate check
- Equity release options
- Annual review included
What's included
Pre-approval in minutes
A credible pre-approval letter that makes sellers take your offer seriously.
Valuation review
We sense-check the survey and price before you commit a dollar.
Closing coordination
Valuer, agent, and legal timed to one plan — closing in about three weeks.
Lifetime rate watch
Free annual reviews flag every refinance saving for as long as you borrow.
The Alvarez family, Maple District.
First-time buyers with a 6% deposit and a tight deadline. Pre-approved on a Tuesday evening, offer accepted Friday, keys in hand nineteen days later at 3.65% fixed for five years.
"Our advisor answered every one of our hundred questions. We never felt rushed — except toward the finish line, in the best way."
Home loan questions
Our first-home programs start at 5%. A larger deposit unlocks better rates, but we will show you the exact trade-off so you can decide with full numbers.
About three weeks from accepted offer to keys for straightforward purchases. Pre-approval beforehand removes the biggest variable from that timeline.
Planning to stay put? Fix and forget. Expecting to move or refinance within a few years? Adjustable often costs less overall. Your advisor models both.
Yes — our fixed loans allow 10% yearly overpayments and penalty-free refinancing at term end, and our annual reviews flag savings automatically.
Borrowing for something else?
Your keys are closer than you think
Get pre-approved tonight and start house-hunting with total confidence.