Welcome to LivLif Home Loans, where your dream home becomes a reality. Our expert brokers are dedicated to finding the best mortgage solutions tailored to your unique needs. One broker, 40+ lenders, zero jargon — from first enquiry to settlement and beyond.
40+
Lenders compared
5%
Min deposit loans available to eligible applicants
$0
Broker fee. Ever.
1 broker. Start to finish.
Compared across 40+ lenders — so you get the sharpest rate, not just the most convenient one.
Whether you're buying your first home, growing your portfolio, refinancing, or unlocking equity for a knockdown-rebuild, we have a specialist to help.
First Home Buyers
Every grant, scheme and concession — working in your favour.
Next Home Buyer Loans
Already own property? We'll help you upsize, downsize or leverage equity for your next move.
Investment Loans
Build a portfolio that compounds — structure it right from day one.
Refinancing & Debt Consolidation
Stop paying loyalty tax. Roll eligible debts into one simpler repayment.
Self-Employed Loans
Complex income. Clear lending solutions.
Construction Loans
Plans to progress payments — sorted.
Based on the same stress-test buffer many major banks use (rate + 3%), this calculator gives you a useful starting point — not a guarantee — before we work through the real numbers with you.
You could borrow up to
$551,000
Estimated property budget
$671,000
Repayment
$3,375/mo
$779/week
Estimate only. Real borrowing power is determined by lender policy, full expense assessment, credit history and supporting documents. We'll talk you through the difference.
Each one starts with a real conversation, not a form. Tap WhatsApp on any card and we'll come back with clear next steps, usually within minutes.
Every grant, scheme and concession — working in your favour.
We help you understand what support may be available and guide you from first question to settlement.
Build a portfolio that compounds — structure it right from day one.
We help investors think beyond the first property, with loan structures designed to support cash flow, borrowing capacity and long-term growth.
Review your rate and simplify repayments.
If your loan hasn't been reviewed in over two years, it may be worth another look.
At LivLif, every loan starts the same way — with a real conversation. No jargon, no chasing different people and no confusion about what happens next.
Send a quick WhatsApp message or book a short call. No documents. No pressure. Just a real conversation so we can understand your situation and what you're trying to achieve.
Message us on WhatsApp
We compare 40+ lenders against your goals, uncover the options that actually fit and explain the differences in plain English — so you can move forward with clarity.
We structure your application with the lender most likely to say yes, then make sure everything is ready before it goes in. Most pre-approvals come back within 3 to 5 business days.
From valuations to lender follow-up to settlement, we manage the moving parts for you. You deal with one broker the whole way through — not a different person every time you call.
Updates over WhatsApp
Getting a home loan or refinancing shouldn't feel confusing — but for many people, it does. Too much jargon, too much back and forth and not enough clarity.
Hi, I'm Krishna Tondapu and I started LivLif to make borrowing feel simpler, more personal and easier to navigate.
With more than 25 years' experience working in complex, fast-paced corporate environments, I've learnt how to simplify important decisions, stay calm under pressure and put people first. I take a focused, hands-on approach to every application, giving each client the care, clarity and attention they deserve.
When you work with LivLif, you deal directly with me from start to finish. No handovers, no call centres and no repeating your story to someone new.
I personally manage every enquiry, every application and every lender conversation, so you always know where things stand, what comes next and how to move forward with confidence.
With access to 40+ lenders, I help clients find the right loan strategy for their goals — whether that's buying a first home, building a portfolio, refinancing or funding a construction project.
If you're after honest guidance and a broker who picks up the phone, you're in the right place.
Our team consists of seasoned professionals with extensive knowledge of the mortgage market.
We listen to your needs and provide solutions that are tailored specifically for you.
We believe in clear communication and honesty throughout the entire mortgage process.
Our clients are at the heart of everything we do. We strive to exceed your expectations at every turn.
We're not anti-bank. They're great at what they do — selling their own products. We're paid by the lender either way, but we work for you.
| Working with us | Going to a bank | Doing it yourself | |
|---|---|---|---|
| Compares 40+ lenders, not one | |||
| Personal broker on WhatsApp | |||
| Negotiates the rate for you | |||
| Handles paperwork & follow-ups | |||
| Specialist for self-employed / SMSF | |||
| Ongoing reviews — every 18 months | |||
| No fee paid by you (lender pays us) |
Couldn't find yours? Tap WhatsApp — we'll get back to you within minutes during business hours.
The lender pays our fee when your loan settles — not you. This is standard across the industry and regulated by ASIC. Our obligation is to recommend what's right for your situation, not what pays us the most. We're FBAA accredited, which means we're held to a best-interests duty by law.
Melbourne Mortgage Broker · Ready when you are
Most people wait months before reaching out to a broker.
No forms. No branch queues. No jargon.
Just a real answer — from a broker who's already on your side.
Or call 0424 346 501
Mon–Fri 9am–9pm · Sat–Sun 8am–8pm AEST
