Better Together
Buy With A Mate
Don’t wait to buy – get into
your own home sooner.
Stop Waiting, Start Owning: The “Buy with a Mate” Shortcut
Buying solo can feel like an uphill battle. Between rising deposits and strict lending criteria, the dream of homeownership often feels just out of reach for a single income.
You Don’t Have To Do It Alone
By teaming up with a friend, you can turn a financial hurdle into a high-five. Co-buying is the fast track to securing your future without waiting a decade to save a solo deposit.
- BETTER LENDING WITH LENDABLE
Team Up to Get Ahead: The Benefits of Co-Buying
When you combine forces with a trusted friend, the math changes in your favour instantly:
- Double Your Deposit: Pooling your savings means reaching your deposit goal in half the time.
- Boost Your Borrowing Power: Two incomes are better than one when it comes to bank approvals.
- Halve the Stress: Share the responsibility of maintenance, mortgage payments, and paperwork.
- Get in Sooner: Stop watching property prices climb while you save – get your foot in the door today.
BETTER LENDING WITH LENDABLE
Is Buying With a Friend Right For You?
We specialise in navigating the unique world of joint home loans. Our team helps you manage the business side of your friendship so you can enjoy your new home together.
- Transparent Planning: We help you align your goals and timelines.
- Expert Loan Structuring: We find the best lenders for co-buying arrangements.
- Clear Exit Strategies: We ensure everything is documented so your friendship stays as solid as your investment.
“Buying with a friend isn’t just a trend; it’s a strategic move to beat the current housing hurdle.”
From ‘Maybe One Day’ to ‘Moving Day’ in 4 Steps
Get Your Real Number
Forget generic calculators, we’ll assess your borrowing power based on the 2026 lending landscape. No impact on your credit score, just total clarity on what you can afford.
Choose Your Strategy
Whether you’re eyeing a 5% deposit with no LMI, planning a ‘buy with a mate’ setup, or looking to rent-vest, we’ll show you the products that fit your specific goals.
The Digital Fast-Track
Upload docs from your phone and skip the branch visits. Our tech-first approach means we’ll process your application in no time.
Lock in Your Future
Once pre-approved, you’re ready to shop with confidence. We’ll handle the heavy lifting with the banks so you can focus on where the furniture is going.
Ready to Double Your Potential?
FAQ’s
Frequently Asked Questions
Yes. Joint home loans operate under “joint and several liability.” This means every borrower is legally responsible for the entire mortgage amount, not just their individual share or contribution.
You generally choose between two options on the title: Tenants in Common (allows you to own unequal shares based on financial contribution, common for friends/family) or Joint Tenants (equal ownership where shares automatically transfer to the other if one passes away).
To avoid disputes, you should establish a legal co-ownership agreement before getting your home loan. This outlines how the property will be valued and the process for one person selling their share or refinancing.
We pride ourselves on transparency – we get paid by the banks so we don’t charge you a cent for using our services. Any government fees, stamp duty, or standard bank charges will be laid out clearly before you sign anything. Our goal is to save you money (like that $15k+ LMI fee), not add to your stress.
Why Choose Lendable For Your Home Loan Journey?
We Think Outside the Box
If the traditional route doesn’t work for you, we lean into creative strategies to find a lender hungry for your business.
No Bank Jargon
We break down every rate, high-LVR fee, and feature upfront so you know exactly what your commitments are.
We Move Fast
The property market doesn’t wait, and neither do we. We’ll assess your real borrowing power in minutes.
Client Reviews
Buying a home is one of the biggest financial moves you’ll ever make, and we’re committed to making the process simple, strategic, and stress-free. From first home buyers getting into the market sooner to investors growing their portfolios with confidence, our clients’ reviews reflect what we stand for: clear advice, genuine support, and brokers who go the extra mile to make things happen.
Trustindex verifies that the original source of the review is Google. We’ve had the best help and advice from Sarah—I honestly couldn’t recommend her enough! Sarah has been punctual, professional, and has gone above and beyond every step of the way to help us achieve what we needed. She made what could have been a stressful process feel seamless, straightforward, and incredibly easy from start to finish. Her communication was excellent, she always took the time to answer our questions, and we felt supported throughout the entire journey. If you’re looking for a mortgage broker who genuinely cares and works hard for her clients, Sarah is the person to call. Thank you so much for everything—we truly appreciate all your hard work!Posted on GoogleTrustindex verifies that the original source of the review is Google. Sarah made it easy for us twice now. Highly recommendPosted on GoogleTrustindex verifies that the original source of the review is Google. We honestly could not recommend Sarah enough. As first home buyers, we honestly knew NOTHING going into this process 😅 and at times it all felt really overwhelming. But from the very beginning, Sarah made everything feel so much easier. No question was ever too silly or too small - and trust me, I had a LOT of questions. Every single time, she answered with patience, kindness and genuine care, and always made me feel comfortable asking anything. Sarah gave us all the information we needed every step of the way, explained everything clearly, kept us updated constantly, and made sure we actually understood the process instead of feeling lost in it all. Buying your first home is emotional, stressful and exciting all at once, but Sarah was there through every high and low. What really stood out was how much she genuinely cared. We never felt like “just another client.” She celebrated the wins with us, reassured us through the stressful moments, and made us believe this dream was actually possible. Honestly, Sarah has become more than just our mortgage broker - she’s now the friend I call to figure out if I’m doing life correctly 😂 and that says everything about the kind of person she is. If you are looking for a mortgage broker who is knowledgeable, supportive, hardworking and genuinely invested in helping people achieve their goals, go through Sarah. She doesn’t just help with loans - she helps make real dreams happen. Sarah is 100% our mortgage broker for life, and we truly, truly appreciate everything she has done for us and our family. We are forever grateful 🤍Posted on GoogleTrustindex verifies that the original source of the review is Google. I had an amazing experience working with Sarah from Lendable throughout the process of securing both my block and finance for my new build in Darwin as well as refinancing two of my properties. From the very beginning, Sarah was professional, knowledgeable, and incredibly supportive. She made what could have been a stressful process feel smooth and manageable, always taking the time to explain everything clearly and keep me updated along the way. Sarah went above and beyond to help me find the best finance option and worked hard to ensure everything progressed as quickly and efficiently as possible. Her communication was excellent, and I always felt confident knowing she was handling everything behind the scenes. I am so grateful for all of Sarah’s help and would highly recommend her to anyone looking for a broker who genuinely cares about her clients and delivers exceptional service.Posted on GoogleTrustindex verifies that the original source of the review is Google. We were referred to Tania from Lendable through Easystart Homes, and from the beginning she was welcoming, professional, and highly knowledgeable. She took the time to understand our situation and what we wanted to achieve, which made the entire process feel personalised and stress-free. All of the documentation she provided was well structured, clear, and easy to understand. After just two meetings, we were able to submit our loan application and received approval without any issues. We are extremely happy with the support and service Tania provided throughout the process and would highly recommend her to anyone looking for a reliable and supportive broker.Posted on GoogleTrustindex verifies that the original source of the review is Google. We worked with Tania for around a year from start to finish. From when we initially landed in Australia through to being in a position to buy, and to settlement. Couldn't recommend her enough.Posted on GoogleTrustindex verifies that the original source of the review is Google. Tania made the journey of purchasing our first home smooth and easy. She was professional, helpful, and supportive throughout the whole process. Highly recommend. ⭐️⭐️⭐️⭐️⭐️Posted on GoogleTrustindex verifies that the original source of the review is Google. We first met with Tania in September 2025 when we were looking into buying our first home. From the very beginning, she guided us through the entire process, from getting pre-approval from the bank, providing us with our letter of eligibility, helping us work towards building our first home and securing formal approval as fast as possible. We had absolutely no idea where to start, but Tania was so patient and willing to explain and educate us on everything along the way. There was never such a thing as a silly question, and she was always happy to answer anything we asked. Tania made what could have been a very overwhelming process feel so much easier and less stressful. We are so grateful for all of her help and support, and we would choose Tania over and over again. Highly recommend!Posted on GoogleTrustindex verifies that the original source of the review is Google. Where do I begin! Tania was absolutely amazing with our journey through the finance side of building, she kept us informed and only wanted the best results possible for our finance. Tania went over and beyond with every aspect of this stage and we can’t possibly thank her enough! You would benefit greatly if you have Tania on your team!
Ready to Double Your Potential?
Don’t let the solo hurdle keep you renting forever. Discover your home loan options and see how much more you can afford when you team up.
