SK Finance and Home Loans
From goals
to keys.
From Goals to Keys, We're Here to Help with Our Expertise.
Whether you're buying your first home, refinancing, building, investing or looking for a lending solution that fits your circumstances, we're here to help you understand your options.
What are you planning?
Your goals are where we start.
Whether you're buying, building or investing, we'll help you understand the finance options available for your circumstances.
Buy a Home
Explore home loan options for purchasing a property that fits your goals and circumstances.
ExploreBuy Your First Home
Understand your borrowing options and take the next step towards your first home.
ExploreBuild a Home
Explore construction finance options for building your new home.
ExploreInvest in Property
Explore residential investment lending options for your property goals.
ExploreOur services
Finance solutions built around you.
From your first home to your next investment, we help you explore lending options based on your goals and circumstances.
Home Loans
Whether you're purchasing your next home or moving into a new property, SK Finance and Home Loans can help you understand your borrowing options and explore residential home loan solutions suited to your circumstances.
First Home Buyers
Buying your first home is a major milestone. We can help you understand the finance process, explore borrowing options and prepare for your first home loan application.
Refinancing
Your financial circumstances and lending needs can change over time. Refinancing may allow you to move your existing home loan to another lender or restructure your lending where appropriate.
Investment Loans
If you're considering purchasing an investment property, we can help you explore residential investment lending options and understand the finance considerations involved.
Why SK Finance
Finance experience with a client-first approach.
Every borrowing journey is different. Our role is to understand where you are now, where you want to go and help you navigate the finance process along the way.
Client-first approach
We take the time to understand your goals, circumstances and priorities before exploring lending options.
Guidance made simple
Finance can feel complicated. We explain the process and lending options in clear, straightforward language.
Access to a lender panel
We can help you explore lending options available through our lender panel based on your circumstances.
Support from start to finish
From your initial conversation through the finance process, we're here to help you understand the next steps.
How it works
A clearer path from goals to keys.
We break the finance journey into clear steps, so you know what to expect and what comes next.
Start with a conversation
Tell us about your goals, your current circumstances and what you're hoping to achieve.
Understand your position
We'll discuss your borrowing position, financial circumstances and the information needed to explore your options.
Explore your options
We help you explore lending options available through our lender panel based on your circumstances.
Choose your direction
Once you understand the available options, you can decide which finance pathway suits your goals.
Move through the application
We'll help you understand the application process and the documentation your lender may require.
Keep moving forward
We'll continue to support you through the finance process and help you understand what comes next.
Ready to talk about your goals?
Start with a conversation and we'll take it from there.
SK Finance and Home Loans
Personal guidance built around your finance goals.
Meet your broker
Meet Santosh Kandel.
Founder & Mortgage Broker
At SK Finance and Home Loans, the focus is on understanding each client's goals and helping them navigate the lending process with clear, practical guidance.
Whether you're purchasing your first home, refinancing, building, investing or exploring another lending option, the aim is to make the journey easier to understand from the first conversation onwards.
SK Finance and Home Loans is operated by Santosh Kandel, a Credit Representative 581326 of Buyers Choice Licencing Pty Ltd, ACN 626 172 281, Australian Credit Licence 509484.
Our lender panel
More choice.
Clearer conversations.
We can help you explore lending options available through our lender panel and understand how they may fit your circumstances.
Explore our lender panel→More options to explore
Access to a lender panel can provide different lending options to consider based on your circumstances.
Options matched to you
Your financial position, goals and lending requirements help shape which options may be relevant.
Guidance through the process
We'll help you understand the options available and the steps involved in the lending process.
Lending options are subject to lender criteria, assessment and approval. The availability of particular products or lenders will depend on your circumstances and requirements.
Frequently asked questions
Questions? Let's make things clearer.
Here are some common questions about mortgage broking and the finance process.
What does a mortgage broker do?
What does a mortgage broker do?
A mortgage broker can help you understand your borrowing options, compare suitable lending solutions and guide you through the application process.
Can you help first home buyers?
Can you help first home buyers?
Yes. We can help first home buyers understand their borrowing options, deposit requirements and the finance process.
Can you help if I'm self-employed?
Can you help if I'm self-employed?
Yes. Self-employed lending can involve different documentation and assessment requirements. We can help you understand what may be required and explore available options.
Can I refinance my existing home loan?
Can I refinance my existing home loan?
Depending on your circumstances, refinancing may be an option. We can help you review your current lending position and explore available refinancing options.
Let's talk
Your next move starts with a conversation.
Tell us about your goals and circumstances. We'll help you understand the next steps and explore the lending options that may be available to you.