Can I finance a private sale purchase?

Sure you can! Most of our customers buy privately. Our brokers liaise with the seller as well to educate them on the process and keep them in the loop. We don't want you losing your ride due to a seller being frustrated with the process!

Do we offer finance options for Motorbike, Boat, and Caravans?

100% Yes. The finance companies we deal with treat these other vehicles the same way as they do for motor vehicles

What if I have been refused credit elsewhere?

We can definitely try for you. We have a big panel of lenders and some are first option lenders with better rates but stricter policy. You may have already been declined by one of these lenders but didn't know there were other options. If you've been declined we can still go to our back lender options for you.

Am I eligible if I'm on a Visa?

YES, but with conditions. You just need to have 24 months left on your Visa. No Less. Send your enquiry and let us know your type of Visa and how many months left on current Visa. We'll let you know if we can help.

Car Loan FAQ's

 5/5

17 Reviews

Will my credit score be affected by enquiring with you about a loan?
NO it won't. An enquiry is only listed on your file when an actual application is made to a finance company. We won't make an application for you unless we're 99% sure you will be approved. We also use finance companies who only use "Soft Touch" searches to asses your eligibility. That means we can get you quotes without any impact on your score.

Can I finance a private sale purchase?
Sure you can! Most of our customers buy privately. Our brokers liaise with the seller as well to educate them on the process and keep them in the loop. We don't want you losing your ride due to a seller being frustrated with the process!
Do we offer finance options for Motorbike, Boat, and Caravans?
100% Yes. The finance companies we deal with treat these other vehicles the same way as they do for motor vehicles
What if I have been refused credit elsewhere?
We can definitely try for you. We have a big panel of lenders and some are first option lenders with better rates but stricter policy. You may have already been declined by one of these lenders but didn't know there were other options. If you've been declined we can still go to our back lender options for you.
Am I eligible if I'm on a Visa?
YES, but with conditions. You just need to have 24 months left on your Visa. No Less. Send your enquiry and let us know your type of Visa and how many months left on current Visa. We'll let you know if we can help.

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If you have any more questions just fill in the form below and we'll get back to you.

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Our customers rate us 5/5 stars

Reality Home Loans

5.0

Based on 20 reviews

review us on

Nishant Arora

04:41 09 Nov 23

I had the pleasure of working with Mitch from Reality Home Loans on my home & investments buying journey. I've used his services before as well and I couldn't be more satisfied with the level of service and expertise I received. His level of expertise was invaluable and have always allowed me to make an informed decision. Also, thank you for sending me the wonderful gifts.

Hugh Swinnerton

02:42 09 Nov 23

A wonderful experience all-round. First-home buyer so came in a little overwhelmed and even unsure if I’d be approved given my poor credit rating, but Mitch came through with the goods. Very professional, transparent and friendly making the whole process very easy and enjoyable. Highly recommend Mitch!!!

Peter Cvek

10:17 21 Sep 23

What can I say but that after 8 years of unfulfilled loan promises and expectations, and countless applications and refusals, Mitch not only met all expectations on the very first attempt and fulfilled all promises, but exceeded them as well. The entire process from application to settlement took 36 to 40 hours... The figure received, the incredibly low rate of interest, the favourable terms proved his worth. 5 stars are an understatement. Nothing but praise.. thank you Mitch from Peter Cvek

Elliot Freadman

01:07 08 Aug 23

Mitch did a great job finding us a loan at a reasonable rate. He was personable, timely and communicative through the whole process. Really felt we were in good hands!

Diego Riano

06:49 17 Jun 23

I have used Mitch’s services since I bought my first house 10years ago. Then I decided to build and develop few land& house projects since and his services have been outstanding, always trying to get the best possible outcome. Very responsive & collaborative!

Colin Smith

11:14 04 Jun 23

Mitchell was a great help in advising the best rate for us and helping swap loans over. Always kept us updated throughout the process. Highly recommend.

James Scott

00:40 23 Jun 22

I've been working with Mitch for sometime now and he has always provided top quality insights into finance and how it relates to purchasing property. He is always working towards finding new ways to best help his clients.

Nicholas pardy

08:24 22 May 22

Mitch is awesome. It’s really that simple.I came with a need, he responded with a solution.His commitment and thoroughness is exceptional, and as a bonus, parallel to his charming personality and appearance.I highly recommend Mitch for your mortgage needs.

dhruv sachdev

05:13 23 Jan 22

I did my research and met a few mortgage brokers before finalising Mitch. I found him honest about the suggestions he made. He helped me find the best lender which would suittry situation. Got me the best interest rates. He is definitely one of the best mortgage brokers in Canberra. I would highly recommend him and would use him again in the future.Keep it up Mitch 👍

Georgina Weire

04:27 29 Dec 21

From my first conversation with Mitch, I have found him to be very patient gracious, polite and generous with his time and knowledge. He has a good sense of humour, responds quickly to emails and phone calls and gave me a sense of confidence in the project I had envisaged for my family. I would recommend Mitch to anyone seeking help with financing their futures. I will certainly continue to seek Mitch's advice when the occasion arises. Thankyou Mitch for helping me, I'm so glad I found you.

Address:

Reality Home Loans

1/17 Swanson Court Belconnen Canberra ACT 2617

Phone:

+61 1300 369 943

Email:

lending@realityhomeloans.com.au

Our location: