Home loans made simple
Buying a home is exciting — the loan shouldn't be the stressful part. As your local Berwick mortgage broker, we compare options across a panel of 20+ lenders and guide you from pre-approval to settlement.
Whether you're a first home buyer, upgrading, or buying an investment, the right home loan can save you thousands over its life. We take the time to understand your goals and financial situation, then match you with a loan structure that genuinely fits.
Because we're brokers — not a bank — you're not limited to one lender's products. We compare rates, fees and features across major banks and specialist lenders, explain the trade-offs in plain English, and handle the paperwork and lender negotiations for you.
And it won't cost you a cent: we're paid a commission by the lender when your loan settles, and we'll always tell you up front if a fee ever applies.
Why choose Impact Home Loans
Access to 20+ lenders
Major banks and specialist lenders in one place, so you see real options — not just one bank's products.
No cost to you
We're paid by the lender on settlement. Our advice is free, and we'll flag any fee before you proceed.
Plain-English guidance
We explain rates, LMI, offset, redraw and fixed vs variable without the jargon, so you can decide with confidence.
End-to-end support
From pre-approval and paperwork to settlement and beyond — we stay with you and review your loan over time.
How it works
Working with us is simple
Three easy steps — and we handle the heavy lifting in between.
- 1
A friendly chat
We get to know your goals — buying, refinancing or investing — and what matters most to you.
- 2
Options & strategy
We compare 20+ lenders, bring you tailored options in plain English, and handle all the paperwork.
- 3
Settle & beyond
We guide you through approval and settlement — then keep an eye on your loan so it stays competitive.
Our lender panel
Accredited with 20+ of Australia's leading lenders
We're not tied to any one bank — we compare your options across the market to find the right loan at a competitive rate.
Run the numbers
Get a feel for the numbers before you chat to us — free, no sign-up.
How much can I borrow?
Get an indicative estimate of your borrowing power based on your income, expenses and existing commitments.
Home loan repayments
Work out your repayments — weekly, fortnightly or monthly — and see the total interest over the life of the loan.
Property fees & stamp duty
Estimate the upfront costs of buying — including Victorian stamp duty, government fees and any first-home concessions.
Frequently asked questions
Can't find what you're looking for? We're happy to help — book a free chat.
Reviews
Don't just take our word for it
We have been with Dilshani for more than 10 years, and we are extremely satisfied with her professional services and ethical and moral manner. She cares and advises according to our circumstances and conditions. Her services always go beyond the professional level. We always recommend her to our friends and family. Dilshani, thank you for your services and help.
Very professional, reliable and honest. Always willing to take the extra step to ensure a satisfactory result is achieved.
Dilshani and Impact Home Loans made the experience of applying for refinancing as smooth as possible. As I am self employed, getting a loan can prove to be more difficult than an employee loan, but Dilshani was there with us every step of the way. Highly recommend Dilshani and her team.
We have no hesitation in recommending Dilshani to family and friends. Her service and communication consistently go above and beyond anything we have experienced elsewhere. She has helped us with both purchasing and refinancing, and her ability to secure the best possible outcomes while making the entire process easy and seamless is second to none. We truly appreciate her professionalism, expertise, and dedication, and would highly recommend her to anyone looking for a mortgage broker.
I would like to thank Dilshani and her team for providing the best option to suit my circumstances and assisting me throughout the process to achieve a positive outcome. Excellent service and highly recommended.
We are very pleased and grateful for the smooth transaction with Impact Home Loans, especially with the assistance of Dilshani and Jennifer. Thank you for your professionalism, guidance, and support throughout the process.
Dilshani has been looking after our family from when we bought our land through to refinancing for better rates. She has excellent customer service, works extremely fast and the process is always smooth. I highly recommend Impact Home Loans and Dilshani as a broker.
excellent service
Dilshani from Impact Home Loans has been our greatest asset in our journey to acquiring our dream property. From helping us reach unconditional approval within a strict timeline, to also helping us navigate the current state of the housing market to ensure we make the right moves, Dilshani has provided a service that goes above and beyond. Her approach that was tailored specifically for us ensured we got the best possible loan/rates and most importantly, helped us acquire our dream home. We can't thank Impact Home Loans enough and highly recommend Dilshanis services to all those in search of a home.
I’ve worked with Dilshani for many years and she has always gone above and beyond to help me. Her dedication, knowledge, and support have been invaluable. I have nothing but praise for her and highly recommend her services.
Ready to get started?
Tell us a bit about what you're after and we'll be in touch — no cost, no obligation.