Collins Home Loan is fairly unique in that it is a home loan lender which doesn’t provide banking services. Relative to other non-bank home loan lenders Collins Home Loan is one of the oldest and most prominent lenders in Australia, operating since 1993. In order to survive against large competitors, Collins offers competitive rates in their loan products as well as the great personal service from their teams of experts – it is a culture of personal service and flexibility that they pride themselves on. Collins Home Loan will provide personal service to you seven days a week, either at your work, home or at their office.

As they are smaller than most of the medium to large banks, Collins Home Loan goes to great lengths to display their legitimacy and professionalism, including securing the YMM Mortgage of the Year award and proudly displaying their membership in the Mortgage Industry Association of Australia on their website to assure customers of their legitimacy, and that people don’t have to default to using one of the big four banks.

Collin Home Loan offers a range of home loan products and prides themselves on providing flexible solutions according to the needs of the home buyers. Their loan options include products tailored for home loans, investment loans (with options to keep payments down to maximise tax deductions from interest payments), first home loans (with a minimalist easy to use set of features), fixed rate loans, low documentation loans (for busy people on the go or self-employed or independently wealthy people) and more.

Collins offers competitive value for their products, for example: whilst the application fee is $600 (as per normal), the annual loan fees is only $345 at the time of writing, which is reasonable.

Collins Home Loans, though not one of the big four, is a reliable lender with a history for excellent service, and is worth looking into.