Exclusive Home Loan Deals You Won’t Find Directly

Yes. They’re regulated like any other loan and usually backed by established lenders.

Not always. We compare both and recommend what best fits your goals and policy profile.

No, similar to the other regulated loans, you can pay off these loans anytime and the exit fees is nominal which will be explained to you upfront when you are deciding between the options

A white-label loan is distributed via brokers with competitive pricing and streamlined features.

Broker-exclusive deals are negotiated between lenders and mortgage brokers and aren’t always available if you walk into a bank branch or apply online. They may include discounted interest rates, waived application fees, cashback offers, or more flexible lending criteria. Lenders offer these deals through brokers as a way to attract business through the broker channel. It’s worth asking your broker what exclusive offers are currently available, as they can change frequently

Eligibility varies depending on the specific offer and lender, but common factors include your credit history, income stability, deposit size, employment type, and whether you’re buying as an owner-occupier or investor. Some deals may be targeted at specific loan sizes or professional groups such as medical professionals or lawyers. Your broker can assess which exclusive offers you’re likely to qualify for based on your circumstances

Some do, but it depends on the structure of the deal. An exclusive offer might come with a sharp introductory discount that reverts to a higher rate after a set period, or it might provide a genuine ongoing rate reduction. The key is to look beyond the headline rate and compare the comparison rate, fees, features, and flexibility. A deal with a slightly higher rate but no ongoing fees and a good offset account might save you more over the life of the loan than one with the lowest advertised rate.

Yes, certain broker-exclusive promotions include lender-funded cashback offers, application fee waivers, or valuation fee discounts. These promotions tend to change based on market conditions and individual lender campaigns, so what’s available this month may not be available next month. Your broker can let you know what current offers are on the table and whether you’re eligible. Keep in mind that a cashback offer shouldn’t be the only reason to choose a loan, as the overall loan structure and cost matter more over time.