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2026 First Home Buyer grants updated · See the state-by-state FHOG table →
◆ Arrivau · Home Loans Made Clear

A better home loan
starts with one chat.

Licensed Australian mortgage broker comparing 40+ lenders, from the big four to online challengers. We translate the bank paperwork so you can decide in plain English.

Get a free loan assessment Or talk to a broker
$1.2B+Total loans funded
12,000+Australian households settled
4.9 / 5.0Google client reviews
Young Australian family at their new home
★
4.9/5 1,240+ Google reviews

What do you need help with?

From working out borrowing power to lodging your file — the six shortcuts most clients use.

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grants (FHOG)
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Home loan
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Three problems Arrivau solves every week

The most common home-loan paths we walk clients through — tailored to your income, deposit and status.

First Home Getting the keys

Your first Australian home

PR or citizen buying your first place. FHOG cash grants, stamp-duty concessions and 5% deposit pathways under the Home Guarantee Scheme.

  • FHOG of $10k–$25k depending on state
  • Stamp duty waived on homes up to $800k (NSW)
  • Home Guarantee Scheme — 5% deposit, no LMI
First home buyer guides →
Non-resident / Expat Sydney harbour

Non-resident & expat buyers

Temporary visa holders, returning expats and overseas buyers. We handle FIRB approval, foreign income assessment and lender-specific rules.

  • FIRB application and foreign buyer duty
  • GBP / USD / SGD / HKD income accepted
  • Offshore borrower LVR up to 70%
Non-resident buyer guide →
Investor / Self-employed Modern home

Investors & self-employed

Business owners, 188 investor visa holders, multi-property portfolios. Complex structures that most branch bankers can’t package — we can.

  • 188A / B / C visa-aligned finance
  • Low-doc and 2-year self-employed income
  • Portfolio restructure for 5+ properties
Investor & business loans →

Run the numbers before you commit

Four of the most-used calculators — no signup, no personal data required.

All calculators →

Repayment calculator

Principal, rate and term in — weekly / monthly repayments and total interest out.

Calculate →

Borrowing power

Household income in, serviceability out — mirrors lender servicing buffers.

Calculate →

Stamp duty

NSW, VIC, QLD, WA and more. Automatic first home and off-the-plan concessions.

Calculate →

Non-resident total cost

FIRB fee, foreign buyer duty and vacancy fee — all the hidden costs in one place.

Calculate →

What clients say

Real households — from first enquiry to the day they moved in. Names changed on request.

More stories →
First home

“New PR, 5% deposit
still got the Sydney house.”

We had PR for six months and only a 5% deposit — two of the big four said no. Mitchell lined up the Home Guarantee Scheme plus the NSW FHOG and we were pre-approved in a week.

The Nguyen family · Ryde, NSW · Purchase price $1.08M
Portfolio refinance

“Five properties, one
coherent structure.”

Our portfolio was spread across three lenders and cashflow was tight. Arrivau consolidated everything with one lender, saved $8,400 a year in interest and freed up a deposit for the next purchase.

Dr Chen · Glen Waverley, VIC · Portfolio value $4.2M

Learn something useful

The latest on rates, policy changes and broker tips — written by our in-house editor.

All articles →
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Mitchell Harding, Principal Broker

Not sure where to start? Talk to Mitchell.

Principal broker with 15 years in Australian lending. MFAA member, licensed under ACL and backed by a team of 8 brokers. First conversation is free and there’s no obligation to go further.

💬 Book a free callback ✉️ [email protected]