Home Loans Sydney
First Home Buyers · Refinance · Investment Property · Low Doc · Construction Loans
Home Loan Specialists — SB Finance
SB Finance is a trusted home loan broker helping Sydney buyers and investors secure competitive home loans from 40+ lenders. Whether you’re a first home buyer taking your first step onto the property ladder, refinancing to reduce your repayments, or an investor growing your portfolio — our expert brokers work for you, not the banks.
We compare home loans from the major banks, second-tier lenders, credit unions, and specialist non-bank lenders to find you the most competitive rate for your specific situation. Our service is completely free — we’re paid by the lender when your loan settles.
First Home Buyer Loans
Navigate the first home buying process with expert guidance. We help you access the First Home Owner Grant, stamp duty concessions, and the best lender for your situation.
Refinancing
Reduce your home loan repayments or access equity in your property. We compare your existing loan against 40+ lenders and show you your savings before you decide.
Investment Property Loans
Grow your property portfolio with the right investment loan structure. We compare interest-only and principal & interest options across specialist investment lenders.
Low Doc Home Loans
Self-employed and unable to provide full income documentation? We work with specialist low-doc lenders who assess your ABN, bank statements, and BAS.
Construction Loans
Finance your new build with a progressive drawdown construction loan. We manage the application and coordinate with your builder for a smooth settlement process.
SMSF Property Loans
Purchase property within your self-managed super fund using a limited recourse borrowing arrangement. Specialist SMSF lenders with competitive rates.
Fixed vs Variable — Which is Right for You?
Choosing between a fixed and variable rate is one of the biggest decisions when selecting a home loan. A fixed rate locks in your repayments for 1–5 years, giving certainty but limiting flexibility. A variable rate moves with the market and allows extra repayments and redraw. Many borrowers choose a split loan — part fixed, part variable. SB Finance advises on the right structure for your goals and cash flow.
Check Your Borrowing Capacity Today
Find out how much you can borrow and get pre-approved in as little as 24 hours — free of charge.
Frequently Asked Questions — Home Loans
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, existing debts, credit history, and the lender’s assessment criteria. SB Finance can provide a borrowing capacity estimate in minutes — call 1300 17 2346 or submit an enquiry.
What is the First Home Owner Grant in NSW?
The NSW First Home Owner Grant (FHOG) provides $10,000 for first home buyers purchasing a new or substantially renovated home valued up to $600,000. Stamp duty concessions are also available on new homes up to $800,000 and existing homes up to $800,000 through the First Home Buyers Assistance Scheme.
How long does home loan approval take?
Pre-approval (conditional approval) can often be obtained within 24–48 hours. Full formal approval typically takes 5–15 business days depending on the lender, your documentation, and property valuation timelines. SB Finance manages the entire process to keep things moving efficiently.
Should I use a mortgage broker or go direct to a bank?
A mortgage broker compares multiple lenders simultaneously and can often secure better rates than going direct. We have access to rates and products not available to the general public, and we manage the entire application process for you. Our service is free — the lender pays us.
Can I get a home loan as a self-employed borrower?
Yes. SB Finance specialises in self-employed home loans including low-doc options. If you’ve been self-employed for 12+ months and can provide ABN, tax returns or bank statements, we can often find a competitive loan.
