our service
Happy Home Loan
Who are we?
Happy home loan is a team of highly experienced brokers have come go together in a collaborative team environment, with the view to foster and share ideas, encourage and explore new opportunities in 2016.
Happy home loan uses Connective, a major Australian aggregator with numerous awards under its belt, including Aggregator of the Year in years 2012-2016. Connective deliver highly competitive loans with attractive interest rates from over 60 lenders.
Happy home loan holds its own Australian Credit Licence, which allows us to broker with variety of lenders in addition to those offered by Connective
Principal partner, lily wei has over 10 years mortgage broking experience after working for other major operators including Assured Home Loans and Sovereign Finance.
Our team offers a range of loans from Owner Occupied Home loans to Investment, Commercial and Construction Loans, as well as Asset Finance and a range of Insurance products.
Popular amongst the many types of loans are those for the First Home Buyer, Bridging Loans and Standard & Variable Fixed Rate Loans.
Why Choose us?
We have one of the largest ranges in Australia, with thousands of loans from over 60 lenders, offering highly competitive rates, fair fees, great products and services with great value for the customer.
We are responsible and ethical brokers, listening to the client’s needs, offering products that suit.
We have satisfied customers from the small investor, through to large developers and overseas investors.
Our service
INVESTMENT LOANS
FIRST HOME BUYERS
FIRST HOME BUYERS
Thinking about buying yourinvestment property?
We’re here to help you build your property portfolio
- Tailor your investment home loan to suit your needs
- Dedicated Home Lending Specialists
- Get offers ,offers, cashbacks and discounts
FIRST HOME BUYERS
FIRST HOME BUYERS
FIRST HOME BUYERS
A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.
The features of your loan – such as the size of the loan, ma
A home buyer can obtain financing (a loan) from a financial institution to purchase a property by using a mortgage broker. First home buyers may enjoy a grant from the government to assist with their first home purchase and we can also help to ensure you receive any entitlements.
The features of your loan – such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics, can vary considerably. When you’re a first home buyer, it’s always best to speak with a mortgage broking professional to determine the loan that is right for you and help you to understand everything you should know about the home buying process.
COMMERCIAL LOANS
FIRST HOME BUYERS
COMMERCIAL LOANS
Commercial loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.
Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financi
Commercial loans may be used for a wide variety of purposes, from purchasing commercial property to providing funds for business use.
Smaller businesses frequently require financing to operate, expand and grow and do not typically have direct access to the debt and equity markets for financing purposes. Therefore, they must rely on financial institutions to meet their financing needs. We can assist with a variety of commercial funding options, including renewable loans that can be used to finance a company’s immediate working capital needs, as well as asset finance or leasing options for plant and equipment, and much more. These financing options can be large or small scale. Simply talk to us about your needs and goals and we’ll help you to explore your options.ike to show.
HONEYMOON LOANS
HONEYMOON LOANS
HONEYMOON LOANS
A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for
A loan with lower repayments for the first six to twelve months is often called a Honeymoon Loan. After the honeymoon period, the loan becomes a standard variable rate loan and the repayments usually increase. If you are planning to take advantage of a honeymoon rate, you will need to make sure that you can meet the higher repayments for the remainder of the loan once the honeymoon period is over. You could also be faced with a fee at the end of the honeymoon period to switch to another loan option.
BRIDGING LOANS
HONEYMOON LOANS
HONEYMOON LOANS
A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity
A bridging loan is often used by home owners who are moving on to their next home. A bridging loan is usually a short-term loan that is used when it is necessary to cover the gap between buying your next property before the existing one is sold. This finance is generally secured against your property and allows you to utilise the equity in your existing property. Bridging loans usually carry a much higher interest rate than other types of loans, so if you believe you may need financing for a longer period, talk to us about your other options.
CAR LOAN
HONEYMOON LOANS
REVERSE LOAN
A car loan is a type of personal loan used specifically to purchase a vehicle. You borrow a set amount from a lender and repay it over time with interest. Car loans can be secured (using the car as collateral) or unsecured (no collateral, usually with higher interest rates).
🏦 Types of Car Loans
- Secured Car Loan: Lower interest rates, but
A car loan is a type of personal loan used specifically to purchase a vehicle. You borrow a set amount from a lender and repay it over time with interest. Car loans can be secured (using the car as collateral) or unsecured (no collateral, usually with higher interest rates).
🏦 Types of Car Loans
- Secured Car Loan: Lower interest rates, but the lender can repossess the car if you default.
- Unsecured Car Loan: No collateral required, but rates are typically higher.
- Dealer Finance: Offered directly by car dealerships—convenient, but not always the most competitive.
- Novated Lease: A salary packaging option for employees, where repayments are deducted from pre-tax income.
REVERSE LOAN
DEVELOPMENT LOAN
REVERSE LOAN
What Is a Reverse Loan?
A reverse loan is designed for older Australians who want to unlock the value of their home to fund retirement, cover medical expenses, or improve cash flow. Unlike traditional loans, no regular repayments are required. Instead, interest compounds over time and is paid when the loan ends—usually when the home is sol
What Is a Reverse Loan?
A reverse loan is designed for older Australians who want to unlock the value of their home to fund retirement, cover medical expenses, or improve cash flow. Unlike traditional loans, no regular repayments are required. Instead, interest compounds over time and is paid when the loan ends—usually when the home is sold.
🔍 How Does It Work?
- Eligibility: Typically available to homeowners aged 60 or older.
- Loan Structure: You borrow against your home’s equity. The amount depends on your age and property value.
- Access Options: Funds can be received as a lump sum, regular income stream, line of credit, or a combination.
- Repayment: No repayments during the loan term. The loan is repaid from the proceeds of the home sale.
DEVELOPMENT LOAN
DEVELOPMENT LOAN
DEVELOPMENT LOAN
A development loan is a short- to medium-term loan used to finance the construction, renovation, or subdivision of property. Unlike traditional mortgages, development loans are tailored to the unique cash flow and risk profile of property projects. They’re commonly used by builders, investors, and developers to fund residential, commercia
A development loan is a short- to medium-term loan used to finance the construction, renovation, or subdivision of property. Unlike traditional mortgages, development loans are tailored to the unique cash flow and risk profile of property projects. They’re commonly used by builders, investors, and developers to fund residential, commercial, or mixed-use developments.
Types of Development Loans：
Subdivision
Construction
WE offer
- Compare development loan products across lenders
- Help structure funding to suit your project timeline
- Assist with documentation, feasibility analysis, and lender negotiations
- Ensure the loan meets your needs, objectives, and best interests
SMSF LOAN
DEVELOPMENT LOAN
DEVELOPMENT LOAN
💡 What Is an SMSF Loan?
An SMSF loan allows your super fund to borrow money to purchase an investment property. The property is held in a separate trust and must be for investment purposes only—not for personal use. This strategy is ideal for Australians who want to diversify their retirement portfolio with real estate.
✅ Benefits of SMSF
💡 What Is an SMSF Loan?
An SMSF loan allows your super fund to borrow money to purchase an investment property. The property is held in a separate trust and must be for investment purposes only—not for personal use. This strategy is ideal for Australians who want to diversify their retirement portfolio with real estate.
✅ Benefits of SMSF Property Investment
- Tax advantages: Rental income and capital gains may be taxed at concessional rates.
- Asset control: You choose the property and manage the investment.
- Long-term growth: Property can deliver stable returns over time.
- Retirement planning: Build a tangible asset base for your future.
🔍 How Does It Work?
- Your SMSF sets up a bare trust to hold the property.
- The fund makes a deposit and borrows the rest through a limited recourse loan.
- Rental income and super contributions help repay the loan.
- The lender’s claim is limited to the property itself—protecting other SMSF assets.