Most brokerages hand you to a queue of analysts. Here, one experienced broker structures your loan personally, with an engineer's eye for detail — and there's no fee to you.
Tell us what you're working towards — your first home, a refinance, an investment property or your next purchase. Speak directly with Justin about your options.
Enquire about your home loan →Prefer a call? 0466 343 110
No fee for our mortgage broking service
Choice matters
As your mortgage broker, we consider options beyond a single bank — from major lenders to specialist lending solutions, depending on your circumstances.
Lenders and products available to you depend on eligibility and current lending policies.
Australian Home Mortgage is proudly Brisbane based, with a long local history and a straightforward approach: understand the person first, then structure the loan around them.
Real people, real milestones
A few snapshots from the Australian Home Mortgage community — the people, families and milestones behind the paperwork.
We put relationships first, from your first question through to settlement and beyond.
Every property journey looks different. We help make the finance side easier to navigate.
A local family-business approach with the experience to look beyond one lender.
Supporting first home buyers, refinancers and property investors throughout Australia.
Large brokerages route you through analysts and processors. Efficient for them — but you re-explain your situation to a new face at every step. Here's the difference.
Refined over decades — clear at every step, with no surprises and no paperwork left on your desk.
A proper needs analysis to understand your goals, your situation and what you actually want from the loan.
Borrowing capacity, eligibility and suitability — confirmed clearly, so you know where you stand before you fall in love with a property.
At least three lender and product options, weighed for what's right for you — then we use our relationships to secure it.
Paperwork, application and lender follow-up handled for you, all the way through to settlement day.
I'm Justin Rappolt. Before broking I trained as an electrical engineer — and I've never really stopped thinking like one. To me a home loan isn't a product to push; it's a structure to get right. Get the structure wrong and it costs you for thirty years. Get it right and it quietly works in your favour.
Australian Home Mortgage has been guiding people into homes for over 30 years — since before the dot-com bubble. The internet has changed everything about how loans are sold. What hasn't changed is the thing that mattered then and still does now: clear communication, and acting in the client's genuine best interest.
I do this as a father, a partner and a soccer coach — and because I honestly enjoy guiding people. Every loan I settle is someone in our community a step closer to owning their place in it. That's worth getting right, personally, every time.
Deposit, grants and the QLD First Home Owner Grant explained — and exactly how much you can borrow.
Start here →Coming off a fixed rate or paying more than you should? We'll check if a switch genuinely puts money back in your pocket.
Check my rate →Loan structures built for cash flow and growth — first investment or expanding the portfolio.
Structure my loan →Growing family or downsizing — we make the next home loan smooth, including bridging where it helps.
Plan my move →Complex income shouldn't mean a knock-back. We know which lenders understand business owners and contractors.
Talk it through →Specific lender policies for doctors and busy professionals can mean a smaller deposit and better terms.
See my options →No. There's no broker fee to you — we're paid a commission by the lender once your loan settles. You get the comparison, the advice and the paperwork handled at no cost to you.
It depends on your income, expenses, deposit and existing commitments. That's exactly what the free assessment answers — get in touch and we'll give you a clear, realistic borrowing figure before you start looking at properties.
Yes. We'll walk you through the Queensland First Home Owner Grant, stamp duty concessions and the deposit you'll realistically need, and structure your loan to make the most of what you're eligible for.
Not with the right lender. Different banks treat business income very differently. Knowing which lenders understand your situation is most of the battle — and that's where decades of experience earns its keep.
No. The initial assessment is a conversation about your goals and numbers — there's no credit check at this stage. Nothing touches your credit file until you've decided to proceed and given the go-ahead.
No fee, no obligation, no pressure — just a clear, honest read on where you stand and what's possible.
Book a free consultation →Straightforward resources to help you understand your options before your next property decision.
Get to grips with deposits, loan choices and the steps from planning to purchase.
Explore the guide GUIDE 02 / REFINANCINGUnderstand when a home loan review may make sense and what to compare.
Explore the guide GUIDE 03 / INVESTINGExplore the financing considerations behind a property investment strategy.
Explore the guide GUIDE 04 / WORKING WITH A BROKERDiscover how expert comparisons, advice and end-to-end support can simplify your loan search.
Explore the guide GUIDE 05 / BUSINESS FINANCEUnderstand the key options when you're purchasing, refinancing or growing a business.
Explore the guideExplore how repayments, borrowing capacity and different loan options could work for you — then speak to us to understand the full picture.
Compare loan amounts, interest rates and terms to see how different home loans stack up.
Compare home loansGet an indicative estimate of what you may be able to borrow based on your finances.
Estimate borrowingEstimate regular repayments and see the impact of changing your loan term or interest rate.
Calculate repaymentsCalculator results are indicative only and aren't a lender assessment, approval or personalised credit advice.
Explore all calculatorsQuestions about buying, refinancing or investing? Get in touch and we'll help you work through your home loan options.
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