Home Loans Hub

Home Loans Hub is an independent mortgage broking firm specialising in residential home loans for buyers and investors across Sydney. With access to over 40 lenders including all four major banks, tier-2 lenders, credit unions, and non-bank specialists, they source competitive rates and loan structures tailored to each client's situation. Their brokers hold MFAA (Mortgage & Finance Association of Australia) membership and maintain current Credit Representative registrations. They provide end-to-end loan support — from initial borrowing capacity assessment through to settlement — handling pre-approval applications, document collection, lender negotiations, and progress tracking. For first home buyers in St George, Home Loans Hub navigates the complexities of the First Home Guarantee Scheme, Help to Buy, and state stamp duty concessions. They identify which lenders offer the best terms for first-time purchasers and help clients understand their true borrowing capacity before they start house-hunting. For investors, the team advises on loan structuring, offset accounts, interest-only periods, and cross-collateralisation strategies. They understand how to structure multiple investment loans to maximise tax efficiency while maintaining borrowing capacity for future purchases. Michael Kalinovski refers his clients to Home Loans Hub because they combine deep product knowledge with genuine care for client outcomes. They respond quickly, explain complex concepts in plain language, and follow through on every application until settlement. Their service is free to clients — they are paid by the lender.