Our Services

No Deposit Loans
Home Loans
Interest Only Loans
House & Land Package Loans
Debt Consolidation Loans
No LMI Loans
Investment Loans
SMSF Loans
Low Deposit Loans
Bridging Loans
Home Loan Refinancing
Investment Loan Refinancing
Car Loans
Equity Release Loans
Construction Loans
Low Doc Loans
Self Employed Loans
Guarantor Loans
Mortgages

How we help

Home Guarantee Scheme
5% Deposit Scheme
Help to Buy Scheme
Getting a Lower Interest Rate
Rentvesting
Getting loan pre-approval
Buying your first home
Renovating your House
Debt Recycling
LMI Waivers
Buying your next home
Expanding your property portfolio
Buying your first investment property

Calculators

Borrowing Capacity
Loan Health Check
Fixed Rate Expiry

Get in Touch

Contact Us
Request a Call Back
Book Appointment
Free Property Report
CallBook Appointment

Latest Articles from Teacher Loans

Check out the latest blog posts from Teacher Loans

Featured Articles

Image for Private Sale Car Loans: Everything Teachers Need to Know

15th November 2026

Private Sale Car Loans: Everything Teachers Need to Know

How high school teachers can finance a car bought from a private seller, from loan type to paperwork to repayments.
Image for Understanding the Basics of Switching Fixed to Variable

14th November 2026

Understanding the Basics of Switching Fixed to Variable

A plain guide for primary school teachers coming off a fixed rate, covering break fees, timing and what the switch really costs.
Image for Buying a Rental Property for Income: A Teacher's Guide

13th November 2026

Buying a Rental Property for Income: A Teacher's Guide

A plain guide for high school teachers on how investment loans work, what lenders count, and how to plan your first rental purchase.
Image for Buying a Terrace House: What Educators Should Avoid

12th November 2026

Buying a Terrace House: What Educators Should Avoid

A plain guide for teachers and educators on financing a terrace house, from loan structure and deposit to repayments and insurance costs.

Car Loans

Image for Private Sale Car Loans: Everything Teachers Need to Know

15th November 2026

Private Sale Car Loans: Everything Teachers Need to Know

How high school teachers can finance a car bought from a private seller, from loan type to paperwork to repayments.
Image for Common Mistakes With Low Doc Car Loans for Educators

11th November 2026

Common Mistakes With Low Doc Car Loans for Educators

Self-employed educators, such as tutors and contractors with an ABN, may be able to get car finance without full financials, depending on the lender. Here is what trips people up and how to avoid it.
Image for Top tips to qualify for a car loan as a teacher

1st November 2026

Top tips to qualify for a car loan as a teacher

What lenders check, what counts as income, and how to strengthen your application before you apply for car finance.
Image for Top Strategies to Finance a Work Vehicle as a Teacher

27th October 2026

Top Strategies to Finance a Work Vehicle as a Teacher

How educators can structure a car loan for a work vehicle without overcommitting or paying more than necessary.
Image for Smart ways to approach luxury car finance as a teacher

12th September 2026

Smart ways to approach luxury car finance as a teacher

Luxury car finance for primary teachers requires plain talk about rates, repayments, and what lenders actually care about when you apply.
Image for Avoid These 5 Mistakes When Applying for a Car Loan

7th September 2026

Avoid These 5 Mistakes When Applying for a Car Loan

A plain-spoken guide to the car loan application process for educators who want reliable transport without unnecessary delays or costs.

Refinancing

Image for Understanding the Basics of Switching Fixed to Variable

14th November 2026

Understanding the Basics of Switching Fixed to Variable

A plain guide for primary school teachers coming off a fixed rate, covering break fees, timing and what the switch really costs.
Image for How to Access Home Equity Without Selling Your Home

10th November 2026

How to Access Home Equity Without Selling Your Home

A plain guide for primary school teachers who want to use the value in their home while still living in it.
Image for Refinance Settlement Mistakes and How to Avoid Them

8th November 2026

Refinance Settlement Mistakes and How to Avoid Them

A plain guide for teachers on what happens between approval and settlement, and the slip-ups that delay or add cost to a refinance.
Image for Everything You Need to Know About Using Home Equity

26th October 2026

Everything You Need to Know About Using Home Equity

How primary teachers can refinance to release equity and buy a second property without selling the first one
Image for When to Refinance and Release Equity for Renovations

22nd October 2026

When to Refinance and Release Equity for Renovations

How primary school teachers can use property equity to fund home improvements without overextending their borrowing or paying for it twice.
Image for Top Strategies to Refinance and Consolidate Your Debt

17th October 2026

Top Strategies to Refinance and Consolidate Your Debt

How primary school teachers can roll credit card and personal loan debt into their mortgage to reduce repayments and regain breathing room.
Image for Avoid These 5 Refinance Mistakes When Changing Loan Terms

14th October 2026

Avoid These 5 Refinance Mistakes When Changing Loan Terms

What you need to know before adjusting your mortgage structure, switching rate types, or unlocking equity from your property.
Image for What Are the Risks of Refinancing Before Selling?

9th October 2026

What Are the Risks of Refinancing Before Selling?

Why timing your refinance matters when you're planning to move, and what it could cost you if you get it wrong.
Image for Smart ways to refinance and reduce monthly payments

1st October 2026

Smart ways to refinance and reduce monthly payments

How switching lenders or adjusting your loan structure can free up hundreds of dollars a month without extending your loan term
Image for Top 10 Cashback Offers When You Refinance Your Mortgage

22nd September 2026

Top 10 Cashback Offers When You Refinance Your Mortgage

How high school teachers can assess cashback refinance deals, what they actually cost, and when they make financial sense for your situation.
Image for The easiest way to refinance and change your loan terms

1st September 2026

The easiest way to refinance and change your loan terms

Changing your loan terms through refinancing can reduce your monthly repayments, shorten your loan period, or unlock equity without switching lenders.
Image for Why Refinancing Should Include a Loan Term Review

31st August 2026

Why Refinancing Should Include a Loan Term Review

Changing your loan term when you refinance can save you thousands in interest or bring your home ownership timeline forward by years.
Image for Beginner's Guide to Refinancing & Accessing Equity

28th August 2026

Beginner's Guide to Refinancing & Accessing Equity

How educators can refinance their home loan to release equity for a business venture without overcomplicating the process or overpaying.
Image for Unlock the secrets to refinancing approval

22nd August 2026

Unlock the secrets to refinancing approval

What lenders actually check when you refinance, how the process differs from your first loan, and what to prepare before you apply.

Investment Loans

Image for Buying a Rental Property for Income: A Teacher's Guide

13th November 2026

Buying a Rental Property for Income: A Teacher's Guide

A plain guide for high school teachers on how investment loans work, what lenders count, and how to plan your first rental purchase.
Image for Unlock the secrets to Property Investment Challenges

3rd November 2026

Unlock the secrets to Property Investment Challenges

What high school teachers face when buying investment property, and how to structure your loan so the numbers hold up.
Image for Why Should Teachers Buy a Holiday Rental Property?

31st October 2026

Why Should Teachers Buy a Holiday Rental Property?

How an investment loan for a coastal or regional holiday rental can deliver passive income and portfolio growth on a teacher's salary.
Image for Understanding the Basics of Fixed, Variable & Split Loans

20th October 2026

Understanding the Basics of Fixed, Variable & Split Loans

A plain-spoken guide for primary teachers looking to borrow for investment property, with real examples of how each loan structure works.
Image for Understanding the Basics of Investment Property Loans

19th October 2026

Understanding the Basics of Investment Property Loans

What educators need to know before financing an investment property, from deposit requirements to repayment structures and tax changes.
Image for Understanding Variable Rate Investment Loans

18th October 2026

Understanding Variable Rate Investment Loans

How variable rates work on investment loans, when they shift, and what that means for your monthly budget and property strategy.
Image for Proven tips to own multiple investment properties

15th October 2026

Proven tips to own multiple investment properties

How educators build portfolios of two, three or more properties without needing a massive income or waiting decades.
Image for Simple hacks to manage investment loan risk

13th October 2026

Simple hacks to manage investment loan risk

Protect your property portfolio from vacancy, rate rises and cashflow shocks without gutting the growth potential
Image for Do Fixed Rates and Offsets Work on Investment Loans?

30th September 2026

Do Fixed Rates and Offsets Work on Investment Loans?

How fixed rate investment loans interact with offset accounts, what that means for your tax position, and when a split loan makes sense.
Image for Common Mistakes When Borrowing in a Company Name

26th September 2026

Common Mistakes When Borrowing in a Company Name

What high school teachers need to know before setting up a company structure for investment property lending
Image for What Not to Do When Acquiring Two Investment Properties

20th September 2026

What Not to Do When Acquiring Two Investment Properties

Two properties at once can accelerate your wealth, but most educators get the timing, structure or sequence wrong and lock themselves out.
Image for Top Strategies to Finance an Investment Unit Purchase

18th September 2026

Top Strategies to Finance an Investment Unit Purchase

What high school teachers need to know about borrowing for a unit, structuring the loan, and making the numbers work from settlement onward.
Image for Do you know what investment loan features actually matter?

17th September 2026

Do you know what investment loan features actually matter?

Property investment loans are structured differently to owner-occupier mortgages, and the details affect your cashflow, tax position and portfolio growth capacity.
Image for When to Add vs Refinance Your Investment Portfolio

15th September 2026

When to Add vs Refinance Your Investment Portfolio

How high school teachers decide whether to refinance existing investment loans or acquire another property when building wealth through rental income.
Image for The Pros and Cons of Buying a Duplex as an Investment

14th September 2026

The Pros and Cons of Buying a Duplex as an Investment

What primary school teachers need to know about financing a duplex purchase, from deposit requirements to debt-to-income limits and tax treatment changes.
Image for Why Timing Matters When Buying Investment Property

5th September 2026

Why Timing Matters When Buying Investment Property

How primary school teachers can use salary cycles, tax changes and rate movements to pick the right moment to invest in residential property
Image for What are Investment Loan Features and How They Work

3rd September 2026

What are Investment Loan Features and How They Work

The specific loan features that make the difference between a property that supports your goals and one that drains your budget.
Image for Understanding the basics of Investment Market Research

25th August 2026

Understanding the basics of Investment Market Research

What educators need to know before choosing an investment property, including new tax rules that take effect from July 2027.
Image for Investment Loans: Avoid These Fixed vs Variable Mistakes

23rd August 2026

Investment Loans: Avoid These Fixed vs Variable Mistakes

Understanding fixed, variable and split loan structures helps primary school teachers build property portfolios without locking in the wrong interest rate strategy.

Home Loans

Image for Buying a Terrace House: What Educators Should Avoid

12th November 2026

Buying a Terrace House: What Educators Should Avoid

A plain guide for teachers and educators on financing a terrace house, from loan structure and deposit to repayments and insurance costs.
Image for Smart Ways to Approach Buying a Home With More Space

5th November 2026

Smart Ways to Approach Buying a Home With More Space

A plain guide for educators weighing up a bigger block, what it does to your loan, and how to keep repayments manageable.
Image for The Pros and Cons of Settlement for Primary Teachers

4th November 2026

The Pros and Cons of Settlement for Primary Teachers

What happens between signing the contract and getting your keys, and how primary teachers can prepare for settlement day.
Image for Everything You Need to Know About Buying in a School Zone

30th October 2026

Everything You Need to Know About Buying in a School Zone

How to afford a home near the schools you teach at without stretching your budget past breaking point.
Image for Why Teachers Should Compare Home Loans Before Buying

29th October 2026

Why Teachers Should Compare Home Loans Before Buying

Three bedrooms means bigger borrowing. What you choose now affects your repayments for years, so it pays to know what you're signing up for.
Image for Avoid These 6 Loan Costs and Fees That Catch Teachers Out

25th October 2026

Avoid These 6 Loan Costs and Fees That Catch Teachers Out

Application fees, break costs, discharge fees and the hidden charges that turn up when you least expect them explained.
Image for What Are the Deposit Requirements for a Home Loan?

23rd October 2026

What Are the Deposit Requirements for a Home Loan?

How much you need upfront, how lenders look at it, and what your deposit actually unlocks when you apply.
Image for The Easiest Way to Finance a Terrace House

21st October 2026

The Easiest Way to Finance a Terrace House

What educators need to know about loan structure, deposit options, and lender policy when buying a terrace in Australia.
Image for What are Variable Rate Home Loan Features?

10th October 2026

What are Variable Rate Home Loan Features?

Which variable loan features actually reduce what you pay, and which ones look helpful but cost you time or money down the line?
Image for Home Loans to Buy Closer to Family: What Teachers Need

8th October 2026

Home Loans to Buy Closer to Family: What Teachers Need

Relocating to be near parents or support networks means navigating new suburb prices, borrowing capacity, and lender serviceability across state lines.
Image for Avoid these 3 mistakes with self-employed home loans

7th October 2026

Avoid these 3 mistakes with self-employed home loans

What lenders actually need from tutors, private educators, and teachers running their own business when applying for a mortgage
Image for Teacher Low Deposit Home Loans: A Beginner's Guide

5th October 2026

Teacher Low Deposit Home Loans: A Beginner's Guide

What primary and secondary teachers need to know about buying property with 5%, 10%, or 15% deposits and how employment type affects borrowing capacity.
Image for 10 Ways to Link Your Home Loan and Financial Plan

5th October 2026

10 Ways to Link Your Home Loan and Financial Plan

Your home loan affects every financial decision you make. Align it with your wider goals and you will pay less, borrow more, and retire sooner.
Image for Top Strategies to Lower Your Home Loan Interest Rate

3rd October 2026

Top Strategies to Lower Your Home Loan Interest Rate

Plain-spoken advice on how high school teachers can reduce their mortgage rate and keep more of their pay each month.
Image for Common Mistakes Buying Off-the-Plan

2nd October 2026

Common Mistakes Buying Off-the-Plan

The approval traps, settlement timing risks, and valuation surprises that catch educators off guard when purchasing off-the-plan property
Image for The Pros and Cons of a 10% Deposit Home Loan

29th September 2026

The Pros and Cons of a 10% Deposit Home Loan

A plain look at what a 10% deposit gets you, what it costs, and whether it suits a primary teacher buying property.
Image for Beginner's guide to paying off your home loan faster

28th September 2026

Beginner's guide to paying off your home loan faster

Practical strategies educators can use to reduce debt sooner, build equity faster, and keep more money in your pocket over the life of a loan.
Image for 10 Ways the Right Loan Features Save You Money

21st September 2026

10 Ways the Right Loan Features Save You Money

Offset accounts, rate structures and redraw facilities can save thousands, but only if they fit how you actually use your mortgage.
Image for Building Equity: What Not to Do with Your Home Loan

19th September 2026

Building Equity: What Not to Do with Your Home Loan

How high school teachers can build wealth through property without wasting years on outdated strategies that slow equity growth.
Image for Smart ways to approach stamp duty concessions

16th September 2026

Smart ways to approach stamp duty concessions

Understanding which stamp duty concessions are available to high school teachers and how they connect to your deposit and borrowing strategy.
Image for Simple hacks to understand how economic factors affect your home loan

13th September 2026

Simple hacks to understand how economic factors affect your home loan

What primary school teachers need to know about RBA decisions, inflation, employment data, and how these economic forces shape mortgage rates and borrowing power.
Image for Unlock the secrets to offset accounts and loan interest

10th September 2026

Unlock the secrets to offset accounts and loan interest

How an offset account works with your home loan, what it costs, and whether it actually saves educators money on interest charges.
Image for Smart Ways to Approach Fixed Rate Loan Fees and Costs

8th September 2026

Smart Ways to Approach Fixed Rate Loan Fees and Costs

What high school teachers need to know about upfront costs, ongoing charges, and the hidden fees that come with fixing your rate.
Image for Top Strategies to Navigate the Home Buying Process

6th September 2026

Top Strategies to Navigate the Home Buying Process

A plain-spoken guide for primary school teachers on what to expect, where to start, and how to make the process less overwhelming.
Image for How Interest Rates Cut Your Borrowing Power

4th September 2026

How Interest Rates Cut Your Borrowing Power

Understand how changes in home loan interest rates affect how much you can borrow and what you can do about it.
Image for Understanding the basics of holiday home loans

2nd September 2026

Understanding the basics of holiday home loans

What primary school teachers need to know about financing a second property, from deposit requirements to loan structures that work
Image for Top Strategies to Avoid Stamp Duty as a Teacher

30th August 2026

Top Strategies to Avoid Stamp Duty as a Teacher

Stamp duty exceptions can save you tens of thousands on your first home. Find out which concessions apply to you and how to use them.
Image for What are the Tax Rules for Investment Property Loans?

27th August 2026

What are the Tax Rules for Investment Property Loans?

How the new negative gearing and capital gains rules apply to teachers building a property portfolio from May 2026 onwards
Image for How to Renovate Without Draining Your Offset Account

26th August 2026

How to Renovate Without Draining Your Offset Account

Renovation finance options that protect your home loan position and give you room to move when the quote comes in higher than expected.

No LMI Loans

Image for Understanding Lender-Paid LMI and LMI Waivers

9th November 2026

Understanding Lender-Paid LMI and LMI Waivers

Two ways to skip the LMI bill look alike but may cost different amounts. Here is how primary teachers can tell them apart.
Image for No LMI Loans: Income Requirements You Need to Know

24th October 2026

No LMI Loans: Income Requirements You Need to Know

How much you need to earn to access a no LMI loan, how lenders assess teaching income, and what happens if you fall short.
Image for No LMI Loans: Income Thresholds to Skip Insurance Costs

16th October 2026

No LMI Loans: Income Thresholds to Skip Insurance Costs

How much you need to earn to access LMI waivers, which lenders require what income, and what happens if you fall short.
Image for No LMI Loans and LVR Limits for Educators

24th September 2026

No LMI Loans and LVR Limits for Educators

Understanding how high loan-to-value ratios work when lenders waive mortgage insurance for educators and how to use them without overpaying.
Image for Do you know what income unlocks no LMI loans?

23rd September 2026

Do you know what income unlocks no LMI loans?

The salary thresholds that determine whether high school teachers can borrow up to 90% without paying lenders mortgage insurance.
Image for Avoid These 5 Mistakes When Skipping LMI as an Educator

9th September 2026

Avoid These 5 Mistakes When Skipping LMI as an Educator

How teachers and education professionals can access high LVR home loans without paying lenders mortgage insurance, and the common errors that cost thousands.

First Home Buyers

Image for First Home Buyer Grants, Schemes and LMI Options: What Teachers Can Do to Buy a Home

8th November 2026

First Home Buyer Grants, Schemes and LMI Options: What Teachers Can Do to Buy a Home

Federal schemes, state grants, stamp duty support and LMI options, explained plainly so you know what to check before you buy.
Image for Beginner's Guide to First Home Buyer Support for Teachers

7th November 2026

Beginner's Guide to First Home Buyer Support for Teachers

A plain-spoken look at the grants, deposit schemes and concessions that primary school teachers can use when buying a first home.
Image for Smart Ways to Approach a Variable Rate Home Loan

6th November 2026

Smart Ways to Approach a Variable Rate Home Loan

A plain guide for high school teachers buying a first home, covering how variable rates move, what they cost and which features matter.
Image for Everything You Need to Know About Fixed Rate Loans

2nd November 2026

Everything You Need to Know About Fixed Rate Loans

What first home buyers should understand before locking in a fixed rate, and what happens when you want to pay extra.
Image for Smart Ways to Buy a Terrace as a First Home Buyer

28th October 2026

Smart Ways to Buy a Terrace as a First Home Buyer

A plain-spoken guide for primary teachers purchasing a terrace house, including deposit pathways, scheme eligibility, and what to expect through settlement.
Image for How to Get Past First Home Buyer Challenges

12th October 2026

How to Get Past First Home Buyer Challenges

The deposit, LMI, pre-approval and grants that trip up high school teachers buying their first home, and what to do about each one.
Image for Rate Lock-ins and Break Costs: Everything You Need to Know

11th October 2026

Rate Lock-ins and Break Costs: Everything You Need to Know

Fixed rates can protect you from rising repayments, but breaking early comes at a cost that catches many educators off guard.
Image for Common Mistakes First Home Buyers Make When Searching

6th October 2026

Common Mistakes First Home Buyers Make When Searching

What primary school teachers need to know before they inspect, bid, or sign a contract on a property in Australia.
Image for How to Use First Home Buyer Stats to Plan Your Purchase

4th October 2026

How to Use First Home Buyer Stats to Plan Your Purchase

What the national data tells educators about deposits, government support, and how others in your position are getting into the market.
Image for When to Start Preparing for Your First Property Purchase

27th September 2026

When to Start Preparing for Your First Property Purchase

Practical steps educators need to take before applying for a mortgage, from savings targets to deposit strategies and what to have ready.
Image for Do Variable Rate Loans Suit First Home Buyers?

25th September 2026

Do Variable Rate Loans Suit First Home Buyers?

Variable rate home loans offer features that can help educators buying their first property pay down debt faster and manage repayments flexibly.
Image for Simple hacks to avoid first home buyer mistakes

11th September 2026

Simple hacks to avoid first home buyer mistakes

What educators need to know before applying for their first home loan to avoid delays, extra costs, and missed opportunities.
Image for Common Mistakes First Home Buyers Make with Variable Loans

29th August 2026

Common Mistakes First Home Buyers Make with Variable Loans

Why choosing a variable rate loan matters, and how extra repayments can cut years off your mortgage without locking yourself in.
Image for First Home Buyer Statistics & What You Need to Know

24th August 2026

First Home Buyer Statistics & What You Need to Know

The numbers that matter when you're buying your first property as a primary school teacher in Australia.

Home Loan Tips

Image for Rates at an 18-Year High: What Teachers Can Do about their Home Loan

7th November 2026

Rates at an 18-Year High: What Teachers Can Do about their Home Loan

Plain-spoken guidance for permanent, contract and casual relief teachers on checking repayments, reviewing a loan and finding support when rates rise.

First Home Buyer

Image for Guide to First Home Buyer Grants for Teachers

5th October 2026

Guide to First Home Buyer Grants for Teachers

Teachers have access to federal and state grants, guarantee schemes, and lender products that reduce upfront costs when buying your first home.

Ready to chat to one of our team?

Book Appointment

Our Services

Buying your first homeHome LoansHome Loan RefinancingInvestment LoansLow Deposit LoansNo LMI LoansDebt Consolidation LoansCar Loans

Calculators

Borrowing CapacityLoan Health CheckFixed Rate Expiry

About

Teacher LoansWho we HelpOur Latest ArticlesOur Privacy Policy

Contact

Sydney, NSW

0422 699 383

Trustee for the O'Sullivan Family Trust ABN: 29 235 649 437, Credit Representative #482294 and is authorised under Australian Credit Licence 389328.

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Names & Locations of users have been changed to protect their privacy and are illustrative only.

Site by Broker Studio