Your Financial Solution

We are in this together, at Express Living we understand everyone’s financial situation is different, and we know we can’t be experts in everything we do. That’s why our customers leave the building to us, and the best home loans to our partners at V Homeloans*. V Homeloans are our expert home loan brokers when it comes to investing in property.

Whether you’re after a first home buyer loan, next home buyer loan or construction loan, our team of home loan brokers will work with you to help achieve your financial goals. So no matter your position, we’ll look at the best home loans to cater for first homes, upsizing or downsizing, and investing, browse the categories below for more information!

Let V Homeloans find the best loan to suit your needs.

V Homeloans partners with over 25 lenders and service providers, offering all types of home loans to help you secure a tailored financial solution to meet your individual needs.

Building strong and lasting relationships with our customers is what we do – we know that finance isn’t just about today’s transaction, but about being your trusted partner as your needs and lifestyle change with time.

Disclaimer: *V Homeloans – VHG Finance Pty Ltd T/A V Homeloans is a Corporate Credit Representative Number 495067 authorised under Australian Credit Licence Number 389328.
Your full financial situation would need to be reviewed prior to acceptance of any offer or product.

  • Your Building & Finance Journey
    1. Choose your design & Land
    2. Talk Finance with V Homeloans
    3. Finance application
    4. Finance pre-approval
    5. Personal insurance
    6. Finance approval & Offer goes unconditional
    7. Review & Sign paperwork
    8. Settlement
    9. Home & Contents insurance
    10. Move in and enjoy
  • Are you building your first home?

    Buying your first home is an exciting but challenging journey. There’s a lot of information to take in, but we’re here to help every step of the way. Thanks to our finance experts at V Homeloans, you can access the best loans for buying your first home or investing in property. At V Homeloans, you’ll have access to a wide range of first home buyer loans, with low deposit home loan products exclusively suited to first homebuyers. We’ve included some of the options below:

    Keystart Home Loans

    Buying your first home and struggling to save for a deposit? Keystart could be your solution! For those eligible, the Keystart Home loan only requires a 2% deposit, of which only 1% needs to be genuine savings. Plus, there is no lenders mortgage insurance (LMI) and no ongoing monthly account keeping fees – which can save you thousands! To put it into perspective, we’re talking repayments of approximately $50 a week during the construction period, Keystart makes home ownership affordable for everyone!

    Low Deposit Home loans

    Most lenders require a minimum of 5% genuine savings as deposit to purchase your first home. However, at V Homeloans they have access to lenders and first home loan products that may allow you to get into your new home without genuine savings, or with less than the full 5% deposit, if you are renting.

    Guarantor Loans

    Guarantor Loans allow your parents or immediate family members to help you finance the purchase of your new home. By utilising their equity, they can act as a guarantor to assist you with finance. This can reduce the amount of deposit required at settlement which makes buying your first home even easier!

    Construction Loans

    Construction home loans are very different from a standard home loan. Thankfully, construction finance is in our DNA! V Homeloans works closely with us (your builder), your developer and lender to guide you through the construction process to get you into your new home sooner.

    First Home Owners Grant & Stamp Duty Concessions

    As a first home buyer, if you are eligible for the First Home Owner Grant, you may also be eligible for stamp duty concessions. Leave that with us! We’ll ensure you get everything you are entitled to when it comes to buying your first home.

    See if you qualify!

  • Key Start Changes - See if you qualify!

    What’s this Keystart all about then?

    • Keystart is the State Government home loan lender who gives super low deposit home loans (as in 2% low) as explained above and doesn’t require lenders mortgage insurance or monthly account keeping fees.
      (Saving you thousands)
    • So starting now (until December 31st) , Keystart have increased maximum income limits.
    • The income limits will increase by $15,000 for singles and couples and by $20,000 for families:
      • For singles the income limit has been increased to $105,000
      • For couples the income limit is now $130,000
      • And the family income limit has been raised by $20,000 to $155,000

    So what does this mean for me?

    • This will help more West Aussies into homes – winning!
    • By increasing income limits, it’s estimated that around 11,000 additional households will qualify for Keystart finance.
    • It will make buying a new home easier, and help boost activity in the building industry.
    • These increased limits are applicable to contracts of sale entered into in the Perth Metro area, different income limits apply for regional areas.

    So if you now fall into any of these income brackets, you may now be able to get a Keystart loan. Yep, even if finance wasn’t possible in the past!

    Let us crunch the numbers for you and see if you qualify for Keystart, we just need a  few details from you on the form on the right!

  • Are you building to invest?

    V Homeloans are experts in assisting investors when it comes to buying an investment property, comparing investment home loan rates and products to secure you the ideal investment finance solution. It’s all about getting your money working as hard as you are.

    V Homeloans can work with you, your accountant or financial planner to ensure the loan structure is tailored to your personal needs. This could be for effective use of tax benefits; accessing equity in another property for investment; or for SMSF finance or interest only lending.

    If you’re investing in property, our partners at V Homeloans have you covered.

    See if you qualify!

What are you entitled to?

Use our loan calculator to find out how much you can borrow to build your new home. Knowing how much you can borrow is important to also give you an idea of home loan repayments. The more information you give us, the more accurate we can be.

  • Outgoings

  • New Home Location

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