Illawarra Home Loans

Find out how this Wollongong mortgage broker works and how to get in touch.

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Richard Whitten

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Illawarra Home Loans

Key takeaways

  • Illawarra Home Loans is a mortgage broker based in Wollongong, NSW. It doesn't lend its own money.
  • It compares home loans from a range of lenders and helps you apply for the one that suits you.
  • It has been arranging home loans since 1989. It works mostly online and by phone, and has an office in the Wollongong CBD.
  • It holds an Australian Credit Licence (number 524949).

How Illawarra Home Loans works

Illawarra Home Loans is a broker, so it doesn't set its own interest rates. It works with a range of lenders to find a loan for your situation, whether you're buying your first home, upgrading, investing or refinancing. The lender you choose assesses your application and approves the loan. Contact the team to find out the current rates available through its lenders.

How to contact Illawarra Home Loans

  • Phone. 02 4226 5555, Monday to Friday, 9am to 5pm.
  • Email. info@illawarrahomeloans.com.au
  • Office. Suite 5, Level 2, 221–229 Crown Street, Wollongong NSW 2500.
  • Online. Send an enquiry through the contact form on its website.

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).

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Richard Whitten is Finder’s Senior Money Editor, with over eight years of experience in home loans, property, credit cards 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 started his career in education and textbook publishing in South Korea. He 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 Bachelor of Education from the University of Sydney and a Graduate Certificate in Communications from Deakin University. See full bio

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2 Responses

    aldrin's avatar
    aldrinNovember 6, 2014

    do you do valuation prior to application?

      Elizabeth's headshotFinder
      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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