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experts in residential and investment lending across Australia

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Woman sitting on a brown couch with a laptop on her lap calculating mortgages and how much money she can borrow. Some plant frames on the wall behind her

Buying a property can be a complex process and one that needs to be handled with care. With over 30 years of combined experience helping clients achieve their goals, SFP Financial is there every step of the way.

Our finance specialists are experts in the home and investment lending across Australia with the knowledge and experience to guide you through the following areas;

  • First Home Buyers
  • Residential home loans
  • Investment property loans
  • Refinancing
  • Debt consolidation
  • Equity drawdown
  • Home improvements and renovations
  • Self-managed Super Fund Loans

SFP Financial works with a comprehensive range of banks and lenders to ensure we find the right loan for your individual needs. 

View Our Home Loan Guides

From idea in your head,
to the keys in your hand

From idea in your head, to the keys in your hand

We’re here to guide you

Step 1: It all starts with a chat

Whatever you’re looking to achieve, we’ll spend time discussing the possibilities and options to turn your idea into reality.

Step 2: The facts

We’ll request your financial information such as bank statements and payslips. Our online client portal allows for easy secure upload of your information.

Step 3: Strategies, Education and Lender Options

Together, we will discuss the varies debt structuring strategies, loan repayments types, interest rates.

Step 4: Apply For The Loan

We will submit your loan application on your behalf, provide regular updates on the application progress and look after the entire process until settlement

Woman sitting on the window sill with a laptop calculating her home loans, a grey cat sitting close by her feet on the floor mat

What’s involved in the home loan application process?

  • Reviewing your current financial position to understand your borrowing capacity
  • Applying for pre-approval with your chosen lender
  • Property search. We can provide analytical research to assist with the process
  • Making an offer. We will work with your solicitor, conveyancer and accountant to ensure a smooth process. We also work with a panel of trusted professionals if required
  • Paying the deposit and exchanging contacts
  • Property valuation organised by us and confirmation that you’re happy to proceed with the loan recommendations at pre-approval stage
  • Signing of original loan documents for submission to your chosen lender
  • Loan settlement. We will work with your solicitor throughout the loan draw down and account set up process.

We are Comitted to helping you in

Achieving financial independence

With access to over 50 lenders and banks, our qualified Senior Mortgage Broker can ensure you find the right fit for your needs. 

Still unsure? Our Home Loan guides can provide a snapshot of what to expect based on your “buyer profile” type. 

View our Home Loan guides
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Home Buyers

Looking to upgrade or downsize?

Looking to upgrade the family home or downsize for retirement?

There’s often a lot to think about.

  • Do I need to sell my existing home first?
  • How do I align the sale of my existing home and the purchase of my new one?
  • Is bridging finance required to ensure I have a deposit for my new home?
  • What costs are involved in selling and buying?
  • Can I keep my existing home as an investment property?
  • What are the financial implications of my move?

We’re here to help

SFP have been assisting clients with strategic debt advice for over 20 years. Our unique difference is in our wealth of knowledge from both a mortgage broking and financial advice perspective. We’re able to assist with obtaining finance and ensure you receive the correct financial advice to make the right financial decisions in your next big move.

Choosing the right loan

With 1000’s of home loan products available in Australia, it can be difficult to find the right lender and loan for your needs. Our specialist finance team works with a panel of over 30 different lenders including big banks, credit unions and non-branch lenders to ensure we find the right home loan for your individual needs.

Don’t forget the buying & selling costs

There’s a lot to think about when moving home and it’s easy to forget the costs involved in the selling and buying process. Before putting your home up for sale or placing a deposit on a new home, it’s important to assess all the costs to ensure a smooth transition into your new home. Below are some of the costs to consider;

  • Stamp Duty
  • Lenders Mortgage Insurance
  • Real estate agent fees
  • Legal fees
  • Building & Pest Inspection
  • Home and Contents Insurance
  • Property Valuations
  • Moving Costs

Buying An Investment Property

Looking to buy your first, second or third investment property?

Property investment in Australian continues to be a popular way to build wealth over the long term but care needs to be taken when investing in property and obtaining finance for your investment property purchased.

Lenders treat investment property loan differently to standard home loans which means a different approach needs to be taken. When looking to finance an investment property, the below points need to be considered;

  • Lenders often require a larger deposit for investment property purchase.
  • Lenders can have a higher interest rate on investment loans.
  • Can I use the equity in my existing property to purchase the new investment property?
  • The correct loan structure when looking at my investment property portfolio as a whole?
  • What are the tax implications of purchasing, holding and selling an investment property?

Working with the right people

Investing in property can help building wealth and generate income but property investment isn’t without its risks. It’s important to work with professionals to ensure you’re receive the right advice for your individual needs.

Our specialist finance team works with a panel of professionals such as accountants, solicitors and in-house financial advisers to ensure you receive the right advice. If you’re already working with one or all of the above, we’ll work with them to get the best outcomes for your needs.

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve. We’ll be able to provide you with investment property loan options and answer any questions along the way. We look forward to meeting you soon.

Refinancing Your Home Loan

Is refinancing right for you?

If you haven’t reviewed your current home loan lately, chances are you might be paying too much. Interest rates are at an all-time low in Australian, so there’s never been a better time to compare the market and ensure you’re getting the best deal.

Reasons for refinancing

SFP’s home loan specialists can assist with all your refinance needs, including;

  • Comparing the market for a lower rate. A lower rate can lower your monthly repayments, saving you money and increasing cashflow.
  • Restructuring your home and investment loans to pay down debts sooner and minimise tax.
  • Debt consolidation of personal loans, car loans and credit cards to reduce interest paid and clear debts faster.
  • Unlock equity in your current property to purchase an investment property, fund renovations or free up extra money for further investment.

Making the first step

We offer an obligation free appointment where we can openly discuss what you’re looking to achieve and put your mind at easy. We’ll be able to provide you with refinance options and answer any questions along the way.

We look forward to meeting you soon.