Real Estate Home Loans

Real Estate Home Loans We take the time to educate you - no jargon, just clear steps.
🏡 25+ years of local mortgage expertise at your service.

Committed to your long-term financial success, not just a loan.
🤝 Here whenever you need advice, ready now or planning ahead. Real Estate Home Loans is a specialist Mortgage Broker based in Ballarat Central, VIC. The services we offer include first home buyers loans, property investment loans, commercial property loans, refinancing, debt consolidation, asset finance, home loans, mortgage broking,

and more. Although we are based in Ballarat Central, we service clients from all over Ballarat such as Newington, Ballarat, Redan, Mount Pleasant, Canadian, Ballarat East, Eureka, Soldiers Hill, Lake Wendouree, Alfredton, Wendouree, Ballarat North, Black Hill, Nerrina, Brown Hill, Invermay Park, Invermay Mitchell, Lake Gardens, Delacombe, Warrenheip, Navigators and all surrounding areas. If you are looking for the best Mortgage Broker in Ballarat, look no further!

Throwback to last month when Grant jumped on air with PT from 3BA 102.3 FM   to chat about something close to our hearts...
25/06/2026

Throwback to last month when Grant jumped on air with PT from 3BA 102.3 FM to chat about something close to our hearts... supporting the Soup Bus through the OnTrack Foundation ❤️

As part of that, we were proud to donate $2,000 to help support the incredible work they're doing for people in our Ballarat community.

With tax time just around the corner, it's also a great reminder that if you've been thinking about giving back, now's a great time to do it. Every donation, big or small, helps organisations like the OnTrack Foundation continue making a real difference.

Donate to the Soup Bus here 👉 https://ontrackfoundation.org.au/

Thanks again to PT and the team at 3BA for having us on and helping spread the word.

07/04/2026

What a day at the Lucas Easter Egg Hunt 🐣

Huge crowd, great atmosphere, and even better chats with so many local families.

We had a blast handing out piggy banks and books — hopefully a few future property investors in the making 👀

If we missed you on the day and you’ve been meaning to have a quick chat about your home loan, feel free to reach out anytime via our website >> www.rehl.com.au

19/03/2026
19/03/2026

Yup, we’ll be at the Easter Egg Hunt in Lucas again this year! 🐣

And yes… we’ve got something for the kids too 👀

We’ll be handing out piggy banks in our goodie bags — a little something to get them started on saving early.

If you’re heading down, come say hi to the team and grab one while they last.

🎟️ Grab your tickets here: www.powerfmballarat.com.au

Thanks to for putting it all together!

See you there!

Good to be in the room! We joined the wider Empower Wealth team last week for a workshop — talking lending, property and...
16/02/2026

Good to be in the room!
We joined the wider Empower Wealth team last week for a workshop — talking lending, property and how we can keep improving what we do.

We’re still your local Ballarat mortgage broker.
Just with a bigger team behind us now. 😉

22/01/2026

Big news from us at Real Estate Home Loans 👋

We’re excited to share that Real Estate Home Loans has joined forces with Empower Wealth, one of Australia’s leading financial advisory groups.

What does this mean for you?
👉 You’ll still be dealing with the same people you know and trust (Paul & Grant).
👉 Our local Ballarat presence stays the same.
👉 But behind the scenes, we now have access to a broader team, deeper expertise, and more tools to support you — not just with your home loan, but with your bigger financial picture too.

This partnership is built on shared values: education first, long-term relationships, and always putting clients first. It allows us to offer more support and opportunities, while keeping the personalised service Real Estate Home Loans has always been known for.

We’re really excited about this next chapter and what it means for our clients and our community.

👉 Learn more about the partnership here:
www.realestatehomeloans.com.au

🎄 Christmas & New Year Hours 🎄We’re taking a breather to recharge the calculators! Please check the image for our holida...
19/12/2025

🎄 Christmas & New Year Hours 🎄
We’re taking a breather to recharge the calculators! Please check the image for our holiday hours.

If you need something urgent (rate review, pre-approval, settlement support), flick us an email and we’ll jump on it as soon as we’re back.

🥂 Cheers to 2026 - and may the RBA be kinder to us all.
Stay safe, enjoy the break, and thank you for an amazing year, Ballarat!

16/12/2025

Hang in there folks 🎁🍾💸

🏖️ Holiday brain says: “I could live here…”But could you really? Let’s find out. 👇Quick reality check before you swap po...
10/12/2025

🏖️ Holiday brain says: “I could live here…”
But could you really? Let’s find out. 👇

Quick reality check before you swap postcards for postcodes:
✅ Borrowing power (and a pre-approval you can use anywhere)
✅ Local prices & days-on-market (holiday goggles off)
✅ Cost of living (groceries, fuel, insurance, utilities)
✅ Work & commute (or remote-ready?)
✅ Schools/health/internet (future-you will care)
✅ Plan B: rent for 6–12 months or rentvest first

We’ll run the numbers, compare suburbs, and map a path that keeps your lifestyle and your budget intact.

📩 DM “SEA CHANGE” (or “TREE CHANGE”) and we’ll sanity-check the dream—no jargon, no judgment. 🏡

There’s no such thing as a silly question in the mortgage game.If you’re wondering it, someone else is too — so ask away...
08/12/2025

There’s no such thing as a silly question in the mortgage game.
If you’re wondering it, someone else is too — so ask away. 🤝

DM us your “is this dumb?” questions about deposits, pre-approvals, offsets, rates, BNPL… all of it.

No jargon. No judgment. Just clear answers that help you move forward. 🏡

Address

41 Main Road
Bakery Hill, VIC
3350

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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