Home Loans for Buyers, Refinancers & Investors

Our Home Loan Solutions

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.

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!

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

How much can I borrow for a home loan in Sydney?

Your borrowing capacity is set by your income and living expenses, existing debts and credit commitments, the number of dependants, the deposit or equity you contribute, and the lender’s assessment buffer. Every lender calculates it differently, so the same application can produce very different results. With access to more than 40 lenders we can model your capacity across several before you apply.

What home loan options can a mortgage broker compare for me?

A broker compares loan structure as well as lender. That includes principal-and-interest or interest-only repayments, fixed, variable or split, offset and redraw facilities, construction drawdowns, guarantor or family pledge arrangements, and low-deposit options. We match the structure to how long you plan to hold the property and how you manage cash flow.

Can I get a home loan with bad credit or defaults?

It is often possible. Lenders differ widely in how they treat paid and unpaid defaults, missed repayments, and the age of the listing. Some mainstream lenders will consider small, paid, older defaults, while specialist lenders assess larger or more recent ones case by case. We review your credit file first so your application is only submitted where it has a genuine chance.

How do I apply for a home loan with SB Finance?

Start with a free assessment. We confirm your goal and timing, review income, expenses, debts and your credit file, then model your borrowing capacity across our lender panel. We recommend a shortlist with the reasons, prepare and lodge the application, and manage valuation, approval and settlement with your conveyancer and agent.

Home loan structures explained

How does the draw-down schedule work on a residential construction loan?

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 an interest-only loan to principal-and-interest: what do lenders assess?

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.

Fixed vs Variable rate: structural comparison

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.

Consideration	Fixed Rate	Variable Rate
Repayment certainty	Repayments are locked for the fixed period, aiding budgeting	Repayments can move up or down as the lender’s rate changes
Exposure to rate movements	Protected from increases during the fixed term; also does not benefit if rates fall	Benefits if rates fall; exposed to increases
Extra repayments	Often capped or restricted during the fixed term (lender-dependent)	Typically allows flexible extra repayments
Offset & redraw features	Frequently limited or unavailable while fixed	Commonly available, supporting interest reduction and access to funds
Break costs	Break/economic costs may apply if you exit or refinance early	Generally no break costs, though other fees may apply
Best considered when	You value predictable repayments and stability	You value flexibility and want access to features

Principal & Interest vs Interest-Only: structural comparison

Consideration	Principal & Interest	Interest-Only
What each repayment covers	Both the loan balance and interest, reducing the debt over time	Interest only for a set period; the principal does not reduce during that time
Repayment amount	Higher initial repayments, as you are paying down the balance	Lower repayments during the IO period, then they increase once P&I begins
Total interest over loan life	Generally less interest paid overall, all else being equal	Generally more interest paid overall, as principal reduction is deferred
Equity build-up	Builds equity steadily from the start	No equity built through repayments during the IO term
Commonly used by	Owner-occupiers focused on owning their home sooner	Some investors managing cash flow, subject to strategy and eligibility
Key dependency	Suits borrowers prioritising debt reduction	IO 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.

Types of home loans we can arrange

Home loans differ less in name than in structure. Which one fits comes down to how long you expect to hold the property, how much certainty you want over repayments, and whether you tend to keep savings on hand.

Variable rate. The interest rate moves with market conditions. Variable loans usually carry the most flexibility, including offset and redraw facilities and extra repayments without penalty.
Fixed rate. The rate is locked for an agreed term, so repayments stay predictable for that period. Break costs can apply if the loan is exited early.
Split. Part of the balance is fixed and part is variable, which keeps some repayment certainty while leaving flexibility on the rest.
Offset. An everyday account is linked to the loan, and the balance sitting in that account reduces the interest charged on the loan.

If you are weighing the first two against each other, our guide to fixed versus variable home loans works through the trade-offs.

How home loan interest rates are set in Australia

Lenders price home loans against their own cost of funds, which moves broadly in line with the Reserve Bank of Australia cash rate. What sits on top of that depends on the loan-to-value ratio, credit history, employment type, the features attached to the loan and each lender’s appetite at the time. Rather than publishing figures that date quickly, we compare across a panel of more than 40 lenders and match the structure to your circumstances.

What lenders assess on a home loan application

Income and how it is earned, whether PAYG, self-employed, contract or a combination.
Living expenses, existing loan repayments and credit card limits.
The deposit or available equity, expressed as a loan-to-value ratio.
The credit file and repayment history.
The property itself, including type, location and the lender’s valuation.

Lenders weigh these differently, which is why the same application can be read quite differently depending on where it is submitted. Our home loan credit guide sets out how we are licensed and what we disclose.

Support available to first home buyers in NSW

First home buyers in NSW may be able to draw on several separate measures: the First Home Owner Grant for eligible new homes, stamp duty exemptions and concessions under the First Home Buyer Assistance Scheme, the Australian Government’s 5% Deposit Scheme for buyers with a smaller deposit, and the First Home Super Saver Scheme for building a deposit inside superannuation. Eligibility rules, price caps and amounts are set by government and are revised from time to time, so we check your position against the rules that apply when you buy rather than working from figures published on a web page.

First home buyer loans covers the lending side, and the stamp duty calculator gives an estimate of the duty payable on a purchase.

Home loan guides and tools

Fixed vs variable home loansHow the two structures differ and where the trade-offs sit.Can you refinance your home loan?Situations where reviewing an existing loan is worthwhile.First home buyer grants, Hills DistrictThe NSW measures explained for local buyers.Stamp duty calculatorEstimate the duty payable on a NSW purchase.Types of property financeA plain-English guide to the main home finance structures.Home loan credit guideHow we are licensed, paid and regulated.

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

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Home Loans for Buyers, Refinancers & Investors

Our Home Loan Solutions

Find the Right Home Loan for You

Let’s talk finance

Frequently Asked Questions

Home loan structures explained

Types of home loans we can arrange

How home loan interest rates are set in Australia

What lenders assess on a home loan application

Support available to first home buyers in NSW

Home loan guides and tools

Related Property Finance

Let’s talk finance

How Your Home Loan Works

Free Assessment

Compare Lenders

Fast Approval

Settlement

Meet Your SB Finance Team

Estimate your repayments

What Our Home Loan Clients Say on Google

Home Loans in the Hills District — Expert Mortgage Brokers

Home Loan Solutions We Can Help With

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