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December 16, 2025

What First-Time Buyers Need in Australia

By Happy Z / December 16, 2025

Buying your first home in Australia is exciting—but let’s be honest, it can also feel overwhelming. Between comparing lenders, working […]

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The information presented herein does not constitute a credit offer. It serves as an illustrative overview based on available data and does not encompass individual features or fees. Lending criteria and evaluations are subject to change without prior notice. The optimal rates originate from lenders within our panel, customized to the borrower’s circumstances. Notably, for fixed-rate loans, significant break costs may be incurred for alterations or early repayments within the fixed period.

Understanding Introductory Rates

An introductory rate, often referred to as a ‘honeymoon rate,’ denotes a temporary promotional interest rate extended by lenders to new customers. Typically lasting for a finite period, such as 12 months, it subsequently reverts to the lender’s standard variable interest rate. It’s imperative to factor in the long-term costs once the promotional period concludes.

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All loan applications are contingent upon the lender’s evaluation and endorsement. Cashback incentives from lenders may be applicable to specific products under predefined conditions.

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Our Vision

Q9 Finance fervently pledges to redefine the Australian home loan sphere by providing an expedited, inherently intuitive, and fortified framework finely attuned to our clientele’s convenience and specifications. We diligently scrutinize an extensive array of home loan alternatives sourced from over 20+ preeminent lenders.

Q9 Finance Pty Ltd is Authorised credit representative [ACR 526682] of Vow Financial Pty Ltd having Australian Credit License. [ACL 390261].