About Australian Loan House

What sets us apart

Australian Loan House supports Sydney borrowers with practical advice, clear comparisons, and a calm process from enquiry to settlement. We focus on what suits your goals and your situation, not what is easiest to place.

You will get straight answers, organised paperwork, and steady communication. We work with a wide range of lenders and use that access to find options that fit your needs, whether you are buying, refinancing or building a portfolio.

Services

How we can help you

Home loans can feel complex because every lender has different rules, terms, and features. We simplify the decision by clarifying your goals, shortlisting suitable options, and explaining the trade offs in plain English.

Whether you are a first home buyer, an investor, renovating, consolidating debts, buying a car, or reviewing an existing loan, we guide you through the steps and keep the process moving with clear updates.

Mortgage broker services

Explore lending support for individuals, investors and business owners

First home buyers

 

Your first home should feel clear, not confusing. We explain borrowing capacity, deposits and pre approval before you make offers.

We keep paperwork organised and guide you through approval and settlement, step by step.

Refinancing a Loan

 

Refinancing helps when your loan no longer suits your budget, goals, or lifestyle. We review rates, fees and features carefully.

We compare options, explain costs clearly and manage paperwork so the switch stays simple.

Debt consolidation

 

Multiple repayments can strain your budget .

We assess whether eligible debts can be combined into one facility safely.

We check affordability and total cost, then explain trade offs in plain English clearly.

Investment loans and lines of credit

 

Investment lending works best with the right structure.

We compare loan options that suit your cash flow and strategy goals.

We explain flexible features, lender policy and documents required so you can act quickly.

Low doc loans

 

Some self employed borrowers cannot provide standard income documents. We explain what alternative evidence lenders may accept instead, commonly today.

We set clear expectations and help you prepare paperwork for assessment and approval steps.

Outcome: Practical low doc pathway with clearer requirements.

Non conforming loans

 

If standard bank criteria does not fit, specialist lenders may offer options for complex circumstances and credit histories still today.

We explain costs and conditions clearly, then prepare the information lenders need for review.

Outcome: Clear path forward with realistic options now.

SMSF loans

 

An SMSF loan can fund an investment property when strict compliance requirements are met and you want to leverage your superannuation savings today.

We confirm borrowing rules and coordinate the complex legal details with your advisory team, so everything stays aligned.

Outcome: Secure property investment with clear steps ahead.

Business & commercial loans

 

Business lending can support working capital, cash flow, equipment, or commercial property when growth plans require funding support right now.

We clarify purpose, prepare documents, and compare lenders so your application stays organised always.

Outcome: Funding aligned to business goals and timelines.

Our partners

Strong lender relationships help us compare options quickly and match loans to real borrower needs.

What our clients say about us

Real feedback from clients who valued clear advice, organised support and a smooth lending process.

Google
Andrew Zbik profile picture
Andrew Zbik
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Derik was wonderful in helping us settle our SMSF property. The process was complex. However, Derik's skill, knowledge and his legal background experience shone through as he navigated the loan application process and negotiated an outcome with the lender that helped us achieve our goals. I am very happy to refer Derik to my friends and family.
Google
Hannah Bickerton profile picture
Hannah Bickerton
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It was such a great experience working with Derik. He was patient, and dealt with a lot of questions from us! We really value his help and will be referring him to many people in future!
Google
GEORGE ANDREWS profile picture
GEORGE ANDREWS
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I recently worked with Derik from Australian Loan House on a client’s purchase that he referred to us, and I was very impressed with his professionalism, responsiveness, and overall efficiency. Derik was proactive throughout the entire finance process, kept both the client and myself informed, and ensured everything progressed smoothly and on schedule. His attention to detail, clear communication, and genuine commitment to achieving the best outcome for the client made the transaction seamless from start to finish. As a conveyancing solicitor, it’s refreshing to work with a broker who is organised, solutions-focused, and truly dedicated to client service. I’m very pleased to recommend Derik and Australian Loan House to anyone seeking a knowledgeable and reliable finance broker.
Google
Khachig Kabakjian profile picture
Khachig Kabakjian
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I had an outstanding experience working with Derik, and I couldn’t be happier with the service he provided. From day one, he demonstrated deep market knowledge, strong responsiveness, and genuine care in helping me navigate the entire journey. Every question was answered clearly, and every step was handled with professionalism and efficiency. What truly stood out was that Derik didn’t just support us with financing — he proactively connected us with a buyers agent and a solicitor, both of whom we ended up using and were extremely impressed with. Those introductions made the process even smoother and ensured we had trusted experts across every stage. His guidance, attention to detail, and commitment to achieving the best possible outcome transformed what could have been a stressful and complex experience into one that felt organised, transparent, and seamless. I would highly recommend Derik to anyone looking for a trusted, reliable broker — and someone who can act as a true partner throughout the property purchase journey. A brilliant one-stop experience with an exceptional network and outstanding service.
Google
Bronwyn Finnen profile picture
Bronwyn Finnen
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We would certainly recommend Derik Karamian for obtaining a home loan. Derik was very approachable and always available to answer any of our questions. Derik’s knowledge of the process made our application easier to complete to a successful conclusion.
Google
Sally Walters profile picture
Sally Walters
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Derik was fantastic to work with. He made the job of getting a loan very easy for us, doing all the behind the scenes work to get us the best rates and terms. We are very happy with the service provided and recommend him strongly.
Google
Meltem Akyol profile picture
Meltem Akyol
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Great experience with Derik. Very efficient and helpful. I would highly recommend.
Google
Ari Palandjian profile picture
Ari Palandjian
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Thank you Derik and team. Very happy with the service and negotiating with the Banks on my behalf. Looking forward to the next one.

Why choose us?

How we can help

Safety

Clear comparisons

We explain lender options in
plain English so you can choose confidently.

Secure

Strong lender

We understand lender policies and
help present your application clearly.

Payment

Organised process

We keep documents, timelines, and follow ups on track,
so your application keeps moving.

Support

Ongoing support

We stay available for reviews when
your goals, income, or rates change.

Get in touch

Tell us what you are trying to achieve and we will guide you to the right next step. Share a few details and we will get back to you as soon as we can.

Call us

Contact us

Level 34/100 Miller St, North Sydney NSW 2060, Australia

Request a proposal

Fill out the form for a prompt response

Australian Loan House
FAQs

Quick answers to common questions about home loans, refinancing, and specialist lending in Australia.

What does a mortgage broker do?

A mortgage broker compares lenders and loan options, then guides you through the application and settlement process. We explain features, costs, and requirements so you can make informed decisions.

What deposit do I need as a first home buyer?

Deposit needs vary by lender and your circumstances, and some borrowers may be eligible for schemes that reduce the upfront deposit required. We help you understand what is realistic and what documents will be needed.

How long does a loan approval usually take?

Timeframes depend on lender processing, your documents, and the complexity of the application. We set clear expectations early and keep you updated as the application moves through each stage.

When should I consider refinancing?

You might consider refinancing if your rate is no longer competitive, your loan features no longer suit, or you want to consolidate debts or access equity. We can review your current loan and compare alternatives.

Is debt consolidation always a good idea?

Not always. Consolidation can simplify repayments, but it may increase total interest over time depending on structure and term. We assess affordability and total cost before recommending a pathway.

What is the difference between 'low doc' and 'non conforming?'

Low doc lending focuses on alternative income evidence for some self employed borrowers. Non conforming lending may apply when standard bank criteria are not met, including credit history or unusual circumstances. We explain options and trade offs clearly.

Can you help with investment and business lending?

Yes. We support investment lending, lines of credit where appropriate, and business or commercial loans. We help you choose a structure that matches your goals and guide you through lender requirements.