Energise Home Loans

Call Directions Website Contact the business

Energise Home Loans Energise Home Loans can arrange your home loan for you, so you can enjoy the exciting experience of buying a home. Well, ‘churn and burn’ we are not!

We have been helping people with property ownership for over 20 years. Services
* Home Lending
* Refinancing
* Business and Car Finance Energise Home Loans is a boutique mortgage broking firm located in Northern Sydney. We use our extensive home loan and banking experience to help each of our customers to find exactly the right lending product to meet their individual needs. Why we are different:

From the moment you contact Energise Home Loans, you become a valued customer. We pride ourselves on giving personal and individual attention, taking into consideration the individual needs of each customer that we assist. Here’s 3 points that set us apart from other mortgage brokers:

* We have been helping customers with their home loans for 19 years:

We understand that your needs are not the same as the last customer’s, and we are careful to match these needs with a lending solution that is a great fit for you. Having been in banking and mortgage broking for as long as we have has developed a range of skills and experience that can assist you to reach your property goals. Whether you are buying a property for the first time, or you are a seasoned property investor, we have the experience to assist you. Nothing makes us happier than finding a great deal for our customers – it’s what gets us out of bed every morning!

* We are here for the long run:

We have seen it time and time again – the broker that helps with the customer’s current ‘deal’, and then moves onto the next customer, looking for that next elusive commission! And like you, we think it’s downright unprofessional! We understand that your needs change over time, and we can assist you wherever you are in the property cycle. We have assisted many ‘repeat customers’ over time as their needs have changed, and we have done this by staying in touch with them to ensure we are on hand when they need us.

* We have the time to give personal attention to each customer:

Many large mortgage broking firms (it wouldn’t take you long to think of the names of the big guys!) rely on a sheer ‘numbers game’ to survive – pump through a large number of customer meetings, glossing over the details and not investing the time that complex lending may require, in the hope that a small number of customers may stick with them! We help our customers every step of the way, from that crucial first meeting where we work with you to understand your needs, to your exciting day when your loan is settled…and beyond! We would love the opportunity to assist you with your lending needs. We understand that buying a home is exciting! Let us take care of all of the little details for you, so that you can enjoy the experience! And, our service to you is completely free!

At auction, the contract signed when the hammer falls is unconditional.There is no finance clause to fall back on, and i...
02/11/2026

At auction, the contract signed when the hammer falls is unconditional.

There is no finance clause to fall back on, and in most cases no cooling off period either. The deposit is usually due on the day. Whatever the bank decides afterwards, the purchase has already happened.

That is why the lending conversation belongs before the campaign, not after it. A pre-approval sets out what a lender is prepared to consider, so the bidding limit is a number that has been looked at properly rather than one settled on in the crowd.

The Energise team arranges it before the first inspection. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Home loans, handled, with the car loan counted in from the start.When a lender assesses a home loan, every repayment alr...
30/10/2026

Home loans, handled, with the car loan counted in from the start.

When a lender assesses a home loan, every repayment already running comes off the income first, and the new loan is tested at its rate plus a three percentage point buffer. A ute bought on finance this year is part of next year's borrowing power.

Energise Home Loans is a mobile brokerage, so the vehicle finance and the home loan get worked through together, at home or out in the yard. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

What does a lender actually look at on a piece of equipment?The age of it, what it is worth second hand, how long it wil...
28/10/2026

What does a lender actually look at on a piece of equipment?

The age of it, what it is worth second hand, how long it will keep earning, and whether it stands as its own security. A five year old excavator and a new one are two different applications at the same price.

Energise Home Loans sorts out which lenders treat the asset the way the owner wants it treated. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

The vehicle is a separate loan, and Energise arranges that one too.Dealer finance is one quote, taken on the day. A brok...
26/10/2026

The vehicle is a separate loan, and Energise arranges that one too.

Dealer finance is one quote, taken on the day. A broker puts the vehicle loan beside the rest of what a household or a business already owes, looks at the term, the balloon and what stands as security, and goes to a lender rather than a sales desk.

Cars, utes, trailers, trade equipment, farm gear.

Energise Home Loans, thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Home loans, handled when two settlements land in one week.Two settlements in the same week means two sets of documents, ...
23/10/2026

Home loans, handled when two settlements land in one week.

Two settlements in the same week means two sets of documents, two lenders working to their own timetables, and a removalist booked into the narrow space between them. It is a scheduling job as much as a lending one, and the parts that slip are usually the ones nobody chased early.

Energise Home Loans is a mobile brokerage, so it happens where it suits, at the kitchen table on a Saturday morning if that is what the week allows. Nobody here is just a number.

Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

What carries the gap between one settlement and the next?When the new place settles before the old one, the money for th...
21/10/2026

What carries the gap between one settlement and the next?

When the new place settles before the old one, the money for the purchase has to come from somewhere for a short stretch. Some lenders will look at a short term facility secured against both properties. Some will extend what is already there. Some will not do it at all.

Policy differs a long way from one lender to the next, and so does the cost of carrying two loans for a few weeks. Knowing which lenders will and which will not, before an offer goes in, changes what can safely be bid on the day.

The Energise team works that out first. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Which comes first, the sale or the purchase?Most upgrades are two transactions tied together, and the order they land in...
19/10/2026

Which comes first, the sale or the purchase?

Most upgrades are two transactions tied together, and the order they land in changes everything. Sell first and the number is certain, but there is a stretch in the middle with nowhere to live. Buy first and the new place is locked in, with two loans overlapping until the old one settles.

Neither order is wrong. Which one fits comes down to the deposit already available, what the existing loan looks like, and how much room a lender will allow while both properties are held at the same time.

The Energise team has run it both ways many times over. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Home loans, handled and the investment valuation is covered.Releasing equity for the next purchase usually means reworki...
16/10/2026

Home loans, handled and the investment valuation is covered.

Releasing equity for the next purchase usually means reworking the loan that is already there. Refinance your home or investment property with Energise Home Loans before 1 July 2027 and the valuation on your residential investment property is free with every refinance.* Valued at $600.

A mobile brokerage, so it happens where it suits, at home, at the office, or on a Saturday morning. Nobody here is just a number.

Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

*Terms and conditions apply.

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Only part of the rental income counts toward what a lender will lend.Most lenders take only part of the expected rental ...
14/10/2026

Only part of the rental income counts toward what a lender will lend.

Most lenders take only part of the expected rental income and set the rest aside for the costs of holding a property, then add the new repayment to whatever the household already owes and assess the lot at a rate well above the one on offer.

That is why two buyers with the same savings can be told very different numbers, and why the answer changes from one lender to the next. It is a policy question more than a maths question.

The Energise team works those numbers out before an offer goes in, not after. Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

An investment property has to stack up as a purchase and as a loan.On the purchase side that is the inspection, the cond...
12/10/2026

An investment property has to stack up as a purchase and as a loan.

On the purchase side that is the inspection, the condition and the street. On the loan side it is the deposit, and for most households the deposit is already sitting in the home they own. If the family home has risen in value and the loan on it has come down, the gap between those two numbers is equity, and equity can be released to fund the next purchase.

How much is available comes down to the valuation, the loan already in place, and what a lender will lend against it. The Energise team works all three out before anything is committed to, and says so plainly if the numbers are not there yet.

Thirty years of lending experience, clients right across Australia.

Start here: energisehomeloans.com.au

Brian Rusten, Credit Representative No. M0019638, is a representative of Mortgage Line Australia Pty Ltd, Australian Credit Licence 386276.

Address

PO Box 140
Belrose, NSW
2085

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+61411066616

Website

Alerts

Be the first to know and let us send you an email when Energise Home Loans posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Energise Home Loans:

Shortcuts

Share

Category

Nearby finance companies