Services
Owner Occupier
Your Home Loan Needs to Be the Right Fit
Your home isn’t just where you live—it’s one of the biggest financial decisions you’ll ever make. it’s so important to make sure your principal place of residence (PPOR) is backed by the right financial product. Unlike investment properties, your home doesn’t come with tax benefits, so sticking with an expensive or unsuitable home loan can end up costing you dearly.
Your residential property/owner occupier/principal place of residence has no regular tax benefits so holding an expensive or incorrect financial product is wasteful and can unnecessarily cost you thousands in extra fees and interest per year.
This can also have a knock on affect on your retirement so we recommend that you engage a professional to review your home loan and that you look at home loan refinancing at least every 24-36 months to make sure that you are in line with what is available in the market.
The Interest Rate Isn’t Everything
Many homeowners focus solely on their interest rate, thinking it’s the key to saving money. While a competitive rate is important, it’s not the only factor that matters. In fact, how you structure your repayments—like how often you pay and whether you pay more than the minimum—can have a far bigger impact on your long-term savings.
This is where we step in. At Soren Financial, we don’t just help you find a competitive rate—we structure your home loan to work smarter for you. By tailoring your repayment strategy, we help you pay off your loan faster and save thousands in the process
First Home Buyer
Your Trusted Partner for First Home Buyers
At Soren Financial, we have years of experience guiding first home buyers through every step of the property purchase journey. We understand that buying your first home can feel overwhelming, which is why we’re here to simplify the process and provide expert support every step of the way.
Tailored Home Loan Solutions for Your Unique Needs
We leave no stone unturned when it comes to finding the right loan for you. With access to over 45 banks and lenders, we compare a wide range of products to recommend the best options tailored to your financial situation and goals. Whether you’re looking for competitive interest rates, flexible repayment terms, or specific loan features, we’ll find the perfect fit for you.
Seamless Communication and Collaboration
Throughout the process, you’ll receive regular updates from our team to keep you informed and confident. We also work closely with your trusted advisors—including accountants, solicitors, real estate agents, and conveyancers—to ensure everything runs smoothly and stays on track.
Maximising Your Savings as a First Home Buyer
We specialise in helping first home buyers take full advantage of available grants and schemes, including:
First Home Owner Grant (FHOG): We’ll assist with your application and ensure you meet all eligibility criteria.
Home Guarantee Scheme: We’ll guide you through the process to help you secure a spot in this government-backed program.
Stamp Duty Exemptions: We’ll show you how to qualify for stamp duty concessions, saving you thousands upfront.
Lenders Mortgage Insurance (LMI): We’ll help you structure your loan to avoid LMI, further reducing your costs.
Together, these benefits can save you tens of thousands of dollars, making your dream of homeownership more affordable and achievable.
Support for House and Land Packages or Off-the-Plan Purchases
If you’re considering a house and land package or an off-the-plan apartment, we’re here to help. These options are popular among first home buyers, but they often require specialised financing, such as construction home loans. We’ll handle the details for you, ensuring your chosen property meets eligibility criteria and that your loan is structured to suit your needs.
Investment Purchase
We review all of our investor client’s existing home loans to make sure that they are on par with available products and rates.
Your existing loan should be reviewed every 18 months to see if it still meets/suits your needs.
There is more to investor home loans than variable and fixed interest rates and whether to pay interest only or principal and interest.
Your loan to value ratio will play a big part in the type of product you should be in as well as your short to long term financial goals.
Commercial Loans
We understand business owners and the issues you face, we understand that interest rates are only part of the solution. We also have the right lenders on the panel who can assist you in finding a solution that suits your requirements.
Self Employed/Business Owners
Traditionally business owners have to jump through more hoops to get their finance deal across the line and although many lenders offer products to you, we want to make sure you have the correct documentation and can get your approval first go this is one of the services that we specialise in. You will be provided with a fact sheet to complete and we will align your expectations with the right lender and the product that suits you and your situation.
Developer Finance
At a time when lenders are averse to risk, your development needs to be a solid project and a great track record. Get in touch so we can discuss your project and the different products to suit.
Short Term Business Finance
Short term business loans can provide your business with a much needed cash flow boost especially during these challenging times. One of the main advantages are that short term business loans are traditionally from non-bank lenders and hence they are often far easier to secure and more importantly the turn around time is much faster.
Asset Finance
Asset finance enables you to access business assets such as equipment, machinery, and vehicles without having to invest/lock up your own business capital. It can also allow you to release cash from the value of assets you already own or use your existing assets as security against a business loan from an asset finance lender.
We have access to a wide range of products that will suit your business needs.
Construction Loans
A construction loan is a type of home loan designed for people who are building a home or doing major renovations, to an established property. This home loan is structured differently from your typical home loans designed for people buying an existing property.
A construction loan most commonly has a progressive drawdown. That is, you receive instalments of the loan amount at various stages of construction, rather than receiving it all at once at the start. You generally only pay interest on the amount that is drawn down, as opposed to on the whole loan amount. This loan also allows interest only during the construction phase to assist with cash flow.
Self Managed Super Fund Loans
These specialised loans offer a unique avenue for astute property investors to leverage their superannuation funds towards strategic property acquisitions.
When it comes to SMSF loans, careful navigation and expert advice are paramount and you need a strategy that goes above and beyond getting a better interest rate or fixed rate loan from your existing lender.
Our specialist brokers can assist you with the best way forward and which lender and product will suit your specific requirements so that you can get to your goal of clearing your loan balance as fast as possible.
Why Choose Soren Financial?
With years of experience and a deep understanding of the first home buyer market, we’ve helped countless clients navigate the complexities of property purchasing. Our team processes multiple first home buyer applications every week, so you can trust us to manage your application with expertise and care.
As the best mortgage brokers Sydney has to offer (based off our ratings on Ourtop10.com.au, Let us take the stress out of buying your first home. Contact Soren Financial today to get started on your journey to homeownership!
