Illawarra Home Loans

Learn more about Illawarra Home Loans and its mortgages.

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Richard Whitten

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Illawarra Home Loans is an Australian broker and lender. You can find information about Illawarra Home Loans and its products below.

Illawarra Home Loans rates

Contact Illawarra Home Loans directly to learn more about its mortgages and current interest rates.

Illawarra key facts

  • Illawarra Home Loans is an online mortgage brand offering rates to borrowers. It also offers mortgage broking services.
  • Illawarra Home Loans is online but it has an office in the Wollongong CBD.
  • Illawarra Home Loans holds an Australian Credit Licence and is also a member of the Mortgage Industry Associations of Australia (MIAA) and the Finance Brokers Association of Australia (FBAA).

How do I apply for a mortgage from Illawarra Home Loans?

When applying for any home loan, you will need various documents to establish your identity, your financial situation, employment status and details about the property.

Eligibility

The following information is general in nature and applies to most home loans. There may be specific criteria that apply for this lender.

  • Age. You must be over 18 years of age.
  • Residency. You should be a resident of Australia.
  • Employment. You should have a regular source of income.

Documents required

When you apply for a mortgage with Illawarra Home Loans you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:

📄 Property details. You can start a loan enquiry before you've bought a property. But to complete an application you need the address of the property and a signed contract of sale.

📄 Identification documents. You will need identification such as a driver's licence, passport or birth certificate.

📄 Proof of income documents. Recent payslips can establish your income.

📄 Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).

How to apply for a home loan

More lenders to compare

Check out Finder's main home loans guide if you want to compare more home loans from a range of lenders. Or you could try one of the following lenders:

  • ING. This online bank is part of the global, Dutch financial group of the same name.
  • Commonwealth Bank. The nation's largest bank has a large selection of home loans and a convenient banking app.
  • UBank. This online bank is actually owned by NAB.
  • Athena. This digital fintech lender offers low-rate mortgages and an entirely online, convenient service.
  • Tiimely Home. This lender's online application tool can process your mortgage application fast. Backed by the Bendigo and Adelaide Bank.
  • Bank of Queensland. Outside of the Big Four this is one of Australia's larger banks. BOQ owns Virgin Money.
  • HSBC. The local Australian banking arm of this international bank offers various home loans.
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Money Editor

Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full bio

Richard's expertise
Richard has written 607 Finder guides across topics including:
  • Home loans
  • Property
  • Personal finance
  • Money-saving tips
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2 Responses

    Default Gravatar
    aldrinNovember 6, 2014

    do you do valuation prior to application?

      AvatarFinder
      ElizabethNovember 6, 2014Finder

      Hi Aldrin,

      Thanks for your question.

      The property valuation is done after you apply for the home loan.

      Thanks,

      Elizabeth

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