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Our Home Loan Solutions

Home Loans Sydney — First Home Buyer, Refinance & Investment | SB Finance 1
Standard Home Loans

Buying your own home? We compare 40+ lenders to find a competitive home loan tailored to your goals and budget.

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Home Loans Sydney — First Home Buyer, Refinance & Investment | SB Finance 2
First Home Buyers

Taking your first step onto the property ladder? We guide first home buyers through every stage, including grants and schemes.

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Refinancing Home Loan Specialist Sydney Hills - SB Finance
Refinancing Mortgage

Could you be on a better rate? We review your current mortgage and help you refinance to save money or unlock equity.

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Home Loans Sydney — First Home Buyer, Refinance & Investment | SB Finance 3
Investment Property

Building your property portfolio? We help investors secure competitive finance structured for long-term growth.

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Home Loans Sydney — First Home Buyer, Refinance & Investment | SB Finance 4
Investment Refinancing

Already own an investment property? We help investors refinance to sharpen rates or access equity.

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Financial planning documents for self-managed super fund loan
SMSF Lending

Looking to invest through your self-managed super fund? We arrange SMSF loans that comply with lender and ATO requirements.

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Land & Home Construction Loan Specialist Sydney - SB Finance
Residential Construction

Building or renovating? We arrange construction loans with progressive drawdowns to fund each stage of your build.

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Find the Right Home Loan for You

Dreaming of owning your own home or investment property? Ready to take the next step on the property ladder but not sure where to start?

Based in Sydney's Hills District and helping clients right across Australia, we make home loans simple. At SB Finance, we can help you find the right home loan solution tailored to your needs.

We can help you understand how much you are eligible to borrow and what your repayments will be when you do proceed. Our experts will explain all other costs associated with getting a home loan.

We have access to over 40 lenders, including all the major banks, allowing us to secure a competitive loan package tailored to your needs. We can help you get approved before you even begin making plans.

SB finance does not offer personal advice and aims to provide information which is factual and in-line with lenders requirements and a customers best interest. We encourage you to seek independent legal and financial advice before proceeding. our credit guide and Privacy disclosure is available on our website.
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Competitive Options

With access to over 40 lenders, we compare the market to find a finance option suited to your situation. Terms and conditions, fees and eligibility criteria apply.

Loan Deals

Talk to our team about the options available across property, asset and personal finance. We'll explain how each could suit your needs.

Quick Application

Our Application process is straight-forward and hassle free. We pride ourselves in being responsive and prompt with processing your application!

Personalised Service

Here at SB Finance we treat everybody like one of the family. We pay attention to the detail and make sure we offer nothing but first class service tailored to your needs!

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Let’s talk finance

Whether you have questions or inquiries about our services, we’re here to assist you every step of the way.

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Frequently Asked Questions

At SB Finance we have access to over 40 lenders that can lend from $3,000 upwards. The total amount borrowed will vary depending on an applicant’s financial position, serviceability, security and an application meeting lender guidelines. Speak to one of our team for a free assessment
Yes, at SB Finance we have several loan options that can assist with paying for your trip. Speak to one of our team today to discuss how we can help you get a loan to suit you. We offer a free consultation to discuss your requirements and will guide you through the process of what is required to apply.

Yes! With access to some of Australia’s largest lenders, we do have lenders on our panel that will consider bad credit or defaults subject to the application. Speak with our team to find out more!

There are several ways you can apply, all of which are simple. you can contact us on 1300 172 346 or email info@sbfin.com.au to speak with our team. alternatively, you can speak to us via any of our social media platforms or fill in the quick quote form on our page and we can reach out to you.

Property Finance Guides & Comparisons

A residential construction loan differs from a standard home loan in that funds are released progressively as building milestones are completed, rather than as a single lump sum. These progressive releases are commonly aligned to standard construction stages — typically the deposit/slab, frame, lock-up (or enclosed), fixing, and completion stages — with the lender usually requiring evidence such as invoices and sometimes a valuer’s inspection before releasing each payment. A key structural feature to plan for is that you generally pay interest only on the amount drawn down at each stage, so repayments increase as more of the loan is released; many lenders then convert the facility to principal-and-interest once construction is complete. Considerations include allowing for potential build delays, variations to the fixed-price contract, and ensuring your builder’s invoicing aligns with the lender’s schedule. Each lender’s stage definitions and inspection requirements vary, and drawdowns remain subject to the lender’s conditions being met.
Refinancing from interest-only to principal-and-interest is a common structural decision, and lenders reassess the application much like a new loan. Because P&I repayments are higher than interest-only repayments (as you begin reducing the principal), serviceability is central — the lender assesses your current income, expenses and existing commitments against the new, higher repayment, applying their own assessment buffers. A change in circumstances such as moving to a single income or a recent career change is something lenders weigh when reviewing capacity, and it may affect the options available. On the structural side, factors include the property’s current value and the resulting loan-to-value ratio, the remaining loan term (a shorter term concentrates principal repayment into fewer years), and whether features like an offset account suit your goals. There is no guaranteed outcome, as approval depends on the lender’s criteria and a full assessment; a broker can help you understand how your current position is likely to be viewed before you commit.

Home loan rate structures affect repayment certainty, flexibility and features rather than being a single “better or worse” choice. Which structure suits you depends on your goals, risk tolerance and circumstances, and features vary between lenders.

ConsiderationFixed RateVariable Rate
Repayment certaintyRepayments are locked for the fixed period, aiding budgetingRepayments can move up or down as the lender’s rate changes
Exposure to rate movementsProtected from increases during the fixed term; also does not benefit if rates fallBenefits if rates fall; exposed to increases
Extra repaymentsOften capped or restricted during the fixed term (lender-dependent)Typically allows flexible extra repayments
Offset & redraw featuresFrequently limited or unavailable while fixedCommonly available, supporting interest reduction and access to funds
Break costsBreak/economic costs may apply if you exit or refinance earlyGenerally no break costs, though other fees may apply
Best considered whenYou value predictable repayments and stabilityYou value flexibility and want access to features
ConsiderationPrincipal & InterestInterest-Only
What each repayment coversBoth the loan balance and interest, reducing the debt over timeInterest only for a set period; the principal does not reduce during that time
Repayment amountHigher initial repayments, as you are paying down the balanceLower repayments during the IO period, then they increase once P&I begins
Total interest over loan lifeGenerally less interest paid overall, all else being equalGenerally more interest paid overall, as principal reduction is deferred
Equity build-upBuilds equity steadily from the startNo equity built through repayments during the IO term
Commonly used byOwner-occupiers focused on owning their home soonerSome investors managing cash flow, subject to strategy and eligibility
Key dependencySuits borrowers prioritising debt reductionIO periods are time-limited and subject to lender approval and review; a repayment increase should be planned for

Loan features, availability and eligibility criteria differ between lenders and are subject to assessment and approval. This information is general in nature and does not take your objectives, financial situation or needs into account.

Not sure which of these fits your situation? You can start with a free assessment and we will work through the options with you.

Related Property Finance

Property Finance SMSF Lending First Home Loans Investment Property Loans

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Let’s talk finance

Whether you have questions or inquiries about our services, we’re here to assist you every step of the way.

☎ 1300 172 346
Mon–Fri 9am–5:30pm
● 30/11-13 Brookhollow Ave
Baulkham Hills NSW 2153
FBAA Accredited40+ LendersHills District Specialists
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How Your Home Loan Works

Simple, transparent and fast — from first call to settlement.

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1

Free Assessment

Tell us your goals in minutes. No credit check, no obligation.

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2

Compare Lenders

We compare 40+ lenders to find a loan option and structure that suits your needs, subject to lender eligibility.

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3

Fast Approval

We handle the paperwork and get you approved quickly.

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4

Settlement

Funds land, keys in hand. We stay in touch the whole way.

Meet Your SB Finance Team

FBAA Accredited Brokers — Hills District Locals

Meet the Team →
Zaid Shnoudi
Zaid Shnoudi

Managing Director / Head of Mortgages

Tareq Shnoudi
Tareq Shnoudi

Managing Director / Head of Asset Finance

Sara Ayoub
Sara Ayoub

Mortgage Broker

Sarah Salem
Sarah Salem

Asset Finance Broker

MF
Mary Fennelly

Client Services Manager

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Estimate your repayments

Move the sliders for an indicative monthly repayment. Final rates are subject to lender assessment.

Indicative rate shown by default — slide to adjust. Estimates are for illustration only, are not a loan offer or quote, and do not include fees or charges. Actual rates and repayments are subject to lender assessment and eligibility criteria. (4%–25% p.a.)

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Calculations are estimates only and do not constitute a quote or credit assistance. We cannot guarantee the accuracy of the results; rates and rules change regularly and figures may be based on outdated information. SB Finance (AUST) Pty Ltd | ABN 72 620 392 038.

What Our Home Loan Clients Say on Google

What Our Home Loan Clients Say

Real clients. Real results. Hills District’s most trusted finance broker.

★★★★★

“First home buyers completely lost. SB Finance walked us through every step and got us a brilliant rate with 10% deposit.”

Sarah & Luke B.
Norwest
★★★★★

“Refinanced with SB Finance and saved over $400 a month. The whole process took less than 3 weeks. Highly recommend.”

Michael T.
The Ponds
★★★★★

“Zaid found us a fixed rate that three other brokers said was impossible. Our repayments dropped significantly. Outstanding service.”

Anika P.
Bella Vista

Home Loans in the Hills District — What You Need to Know

Securing the right home loan in the Hills District doesn't have to be complicated. Whether you're buying your first home in Baulkham Hills, refinancing an investment property in Castle Hill, or building your dream home in Kellyville, SB Finance's local mortgage brokers have access to over 40 lenders to find you a competitive home loan that matches your financial goals.

The Hills District property market is one of Sydney's most active, with median house prices across suburbs like Castle Hill, Rouse Hill and The Ponds remaining strong despite broader market movements. Having an experienced mortgage broker on your side means you'll have expert guidance through the entire process — from pre-approval to settlement.

How are home loan interest rates set in Australia?

Home loan interest rates in Australia move broadly in line with the Reserve Bank of Australia (RBA) cash rate. Your individual rate depends on your loan-to-value ratio (LVR), credit history, employment type, loan features and the lender. Rather than publishing rates that date quickly, SB Finance compares 40+ lenders to match your circumstances.

Types of Home Loans Available Through SB Finance

Our mortgage brokers across the Hills District can help you access a full range of home loan products:

Variable Rate Home Loans

Your interest rate moves with market conditions. Variable loans often come with flexible features like offset accounts, redraw facilities, and the ability to make extra repayments without penalty. Ideal for borrowers who want flexibility.

Fixed Rate Home Loans

Lock in your interest rate for 1, 2, 3 or 5 years for certainty over your repayments. Fixed loans are excellent for budgeting and protecting against rate rises, though break costs may apply if you exit early.

Split Home Loans

Divide your loan between fixed and variable portions for the best of both worlds — rate certainty on part of your loan while maintaining flexibility on the rest. A popular choice for Hills District owner-occupiers.

Offset Account Loans

Link an everyday transaction account to your mortgage. Every dollar in your offset account reduces the interest charged on your loan balance. An excellent strategy for high-income earners and those who keep significant cash savings.

First Home Buyer Loans Hills District — What Grants Are Available?

If you're a first home buyer in NSW, you may be eligible for significant government assistance. The First Home Owner Grant (FHOG) provides $10,000 for new homes valued under $600,000. Additionally, the First Home Buyer Assistance Scheme (FHBAS) provides stamp duty exemptions for properties under $800,000, with concessional rates up to $1,000,000.

For eligible first home buyers, the First Home Guarantee Scheme (formerly the First Home Loan Deposit Scheme) allows you to purchase a home with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI) — potentially saving you tens of thousands of dollars upfront.

Our Hills District mortgage brokers will assess your eligibility for all available grants and schemes as part of your home loan pre-approval process.

Frequently Asked Questions — Home Loans Hills District

How much deposit do I need for a home loan in the Hills District?

Most standard home loans require a minimum 20% deposit to avoid Lenders Mortgage Insurance (LMI). However, first home buyers can access the First Home Guarantee Scheme with as little as 5% deposit. Investment property loans typically require 10–20% deposit depending on the lender and your financial profile.

How long does home loan pre-approval take?

With SB Finance, most clients receive conditional pre-approval within 24–48 hours of submitting a complete application. Full unconditional approval typically takes 3–7 business days depending on the lender and your circumstances. We streamline the process by managing all lender communications on your behalf.

Can I refinance my home loan through SB Finance?

Absolutely. Refinancing is one of the most powerful ways Hills District homeowners can reduce their mortgage repayments or access equity. We compare refinancing options across 40+ lenders and run a full cost-benefit analysis to confirm the savings outweigh any exit fees or application costs before you proceed.

What documents do I need for a home loan application?

Standard documents include: 2 recent payslips or 2 years' tax returns (self-employed), 3–6 months' bank statements, photo ID, details of any existing debts and assets, and the property contract (once signed). Your SB Finance broker will provide a personalised checklist based on your situation.

Does using a mortgage broker cost me anything?

No. SB Finance mortgage brokers are paid by commission from the lender when your home loan settles — meaning our service is completely free to you. We're legally required to act in your best interests under the Best Interests Duty legislation, so you get expert, independent advice at zero cost.

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