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We're FIFO Home Loans, the mortgage broker for FIFO Workers across Australia. We formed after hearing numerous stories of home buyers being forgotten about by the big banks, and even ignored by some of the big mortgage brokerages.
We're passionate about getting our clients the right home loan, investment loan, car loan or even construction loan. We have exclusive technology that helps us work with the majority of our clients completely online, but we're always here to chat if you need us.
As a Mortgage Broker we work with the major banks, smaller lenders and non bank lenders to get the right loan for our clients. We have access to more than 2,000 loan products from lenders across Australia so we're confident that once understanding your financial situation, we can find the best option for you. We can also give you a good idea of what products you will qualify for before you apply, meaning you won't impact your credit score or waste days waiting for a response.
Some of our recent reviews describe us as 'extremely professional', 'provide exceptional service' and 'do all the legwork'. We're also a proud member of the Mortgage and Finance Association of Australia.
If you're looking to buy, refinance, build or even buy a new car, FIFO Home Loans is here to help. Feel free to book a time to chat with one of our Licensed Mortgage Brokers here to see how we can help.
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Louise Griffiths
Carl and the team have been fantastic. I've used them twice - for my first home purchase and again more recently for a refinance. I both highly recommend them and would use them again.
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Jared Ridler
Big thanks to Carl for your help through the process! Made it all a breeze with clear quick communication and got us into our new home!
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Assad Hamid
My unconditional approval was rejected just two days before settlement in Aug 2025, and you can imagine the pressure at that stage. Luckily My team refer me to Azura Team and there I e- meet Mr. Carl Elsass. He took the case under his wings and after submitting requested documents in just two days I got unconditional approval and also refinance of one of my unit to make the settlement possible. He really did the work like he is doing for himself. This is only I can feel through out the process. I definitely recommend Azura for their dedicated support and very soon I will be getting into the next one. Thanks Azura for helping the community.
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Elizabeth Bottomley
Carl Elsass was a wonderful help to my husband and I as we bought our first property. Carl was very responsive, knowledgeable and guided us through the process with great care and attention to detail. We would highly recommend using Azura ...
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claudia alvarez
I was extremely pleased by the service provided from Carl Elsass. He was very helpful and very clear by explaining every aspect of the mortgage process. From start to finish, He attended to all the documents required as well as arranging a suitable loan within a very short period with my minimum involvement. Thank you! Claudia Marcela
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Harry
Working with Nick to purchase our first home was a seamless experience. His knowledge of the market was exceptional and was quick to respond to all our questions. I wouldn’t hesitate to recommend his services. Thanks Nick!
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Javier Gómez
Carl was really helpful and patient, took its time to understand my situations and provided great advice and options in order for me to make the right decision.
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Glen Ashley
Carl has been amazing to work with. He was on the ball straight from the start with knowing all the information I would need to provide. He was quick to respond while others would not return communication for weeks. He managed to secure me a great product in a short amount of time, even while we are on opposite sides of the country. I highly recommend getting in touch with Carl, you won't look back.
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Ingrid Rollero
Carl and the team are very quick and efficient. Have been them for a few years and happy to recommend to anyone!
Absolutely! We specialise in helping FIFO workers refinance their home loans and investment properties. Our brokers understand the complexities of FIFO income and can find you better interest rates from our network of 2,000 loan products. We'll review your current loan and find refinancing options that could save you thousands over the life of your loan.
Yes, we formed specifically to serve FIFO workers who were being overlooked by big banks and brokerages. Our Licensed Mortgage Brokers are experts in FIFO income structures, including roster patterns, site allowances, and variable income streams. We know how to present your application in the best light to lenders who understand the FIFO lifestyle.
FIFO workers often face challenges with traditional lenders who don't understand their income patterns. We have exclusive technology and relationships with lenders who specialise in FIFO lending. We do all the legwork, can give you a good idea of what you'll qualify for before applying (protecting your credit score), and work with you completely online to fit your roster schedule.
Yes, but it requires the right broker who understands how to present FIFO income correctly. We know which lenders recognize site allowances, overtime, and roster premiums as genuine income, and how to structure applications to maximize your borrowing capacity. Many FIFO workers are surprised to learn they can borrow more than they thought when their full income package is properly presented to the right lenders.
We work with FIFO workers in all employment situations. Whether you're between contracts, transitioning between companies, or moving from permanent to contract work (or vice versa), we know which lenders are flexible with FIFO employment situations. We can often secure pre-approval based on your track record and industry experience, giving you confidence to make property decisions even during career transitions.
We can help FIFO workers with home loans, investment properties, construction loans, car loans, personal loans, and much more. Whether you're buying a ute for work, building your dream home, or expanding your investment portfolio, if you need to borrow money, we can probably help find the right solution.
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.
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