Home Loans
Finding the right home loan is about more than comparing interest rates. We help you understand your options, the lending process and what may be suitable for your circumstances.
About this service
Finance guidance built around your circumstances.
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.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- People purchasing an owner-occupied home.
- Existing homeowners looking to purchase another property to live in.
- Borrowers looking to review their current home loan.
- Customers who want guidance through the home loan application process.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Understanding your borrowing position.
- Exploring suitable home loan structures.
- Comparing lending options available through our lender panel.
- Understanding loan features and repayment structures.
- Preparing for the home loan application process.
- Supporting you through the application and settlement process.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Your income and employment circumstances.
Your existing debts and financial commitments.
Your deposit and available savings.
Your credit history and financial position.
The property you are looking to purchase.
The lender's individual assessment criteria.
Why work with us
A simpler way to approach your finance.
A clear understanding of the lending process.
Access to lending options from our lender panel.
Guidance based on your individual circumstances.
Support from initial discussion through to settlement.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Discuss your goals
We start by understanding what you are looking to achieve, your timeframe and your current financial circumstances.
Understand your borrowing position
We discuss your income, expenses, existing commitments and deposit so you can better understand your position.
Explore lending options
We help you explore home loan options available through our lender panel based on your circumstances.
Prepare your application
Once you decide to proceed, we help you understand the information and documents required for the application.
Application and assessment
Your application is submitted to the selected lender for assessment against its lending criteria.
Settlement
We continue to assist with the process through to settlement and help you understand what happens next.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification documents.
Recent payslips or other evidence of income.
Bank statements and financial information.
Details of existing loans and liabilities.
Evidence of savings or deposit.
Property details where applicable.
Frequently asked questions
Questions about home loans?
How much can I borrow for a home?+
Borrowing capacity depends on factors such as income, expenses, existing liabilities, deposit, credit history and the lender's assessment criteria. We can discuss your circumstances and help you understand your position.
How much deposit do I need?+
The deposit required can vary depending on the lender, property, loan structure and your circumstances. Additional costs may also apply when purchasing a property.
Can I apply if I already have an existing home loan?+
Yes. Existing homeowners may be able to explore options for purchasing another property, refinancing or restructuring their lending, subject to lender assessment.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
All lending is subject to lender criteria, assessment and approval. The availability of particular loan products and features will depend on your circumstances and the lender's requirements.