Home Loans

Buy your First Home, Next Home or Dream Home sooner with a Home Loan

At Solara Financial, we understand that buying a home is a significant milestone in life. Whether you're in Sans Souci, NSW or elsewhere in Australia, our expertise in Home Loans can help you unlock the door to your dream home. With a variety of Home Loan options available, we cater to diverse financial situations. Our team is dedicated to guiding you through the application process, ensuring you access Home Loan options from banks and lenders across Australia that best fit your needs.

When considering a Home Loan, understanding your borrowing capacity is crucial. This depends on various factors including credit history, income, and existing financial commitments. At Solara Financial, we help you assess these elements to determine a suitable loan amount. Additionally, we guide you through the costs associated with buying a home such as stamp duty and lenders mortgage insurance (LMI), which can significantly affect your overall budget.

Interest rates are another pivotal aspect when applying for a Home Loan. Whether you are interested in a fixed interest rate home loan or prefer variable home loan rates, each option has its advantages. Fixed interest rates offer stability with predictable repayments, while variable interest rates might give you flexibility and potential interest rate discounts. Calculating home loan repayments accurately can aid in understanding the long-term financial commitment involved.

Our streamlined application process is designed to ease the complexities of applying for a home loan. We assist you in gathering necessary documentation like bank statements and guide you through the intricacies of the Home Loan application. Furthermore, getting pre-approved can strengthen your position in the property market, giving you an edge when making offers on properties.

Understanding the loan to value ratio (LVR) is vital when considering Home Loan options. A lower LVR can often lead to better interest rates and reduced lenders mortgage insurance (LMI). We work with you to explore strategies such as using an offset account or leveraging home equity to potentially improve your financial standing and reduce your LVR.

At Solara Financial, we are committed to helping you apply for a home loan with confidence. Our comprehensive approach ensures that every aspect of your financial situation is considered, allowing us to tailor Home Loan options that align with your goals. Whether you're a first-time buyer or looking to refinance, our expertise covers all facets of the property market.

Choosing Solara Financial means choosing a partner dedicated to your success. We aim to make the experience of buying a home as seamless as possible, providing support every step of the way. If you're ready to explore your Home Loan options and get pre-approved, contact us today to take the first step towards securing your future home.

Find out how much you can borrow

In 60 seconds, understand how much you can borrow to buy your dream home.

Get your Borrowing Capacity

Get an Home Loan

1. Discovery Session

We’ll kick things off with a conversation about your goals—whether it’s buying, refinancing, investing, or funding growth. We’ll map out what’s possible, how much you can borrow, and explore loan features that align with your plans.

2. Easy Document Upload

You’ll receive a secure link to our online portal, making it simple to share your details. We’ll request the documents needed to verify income, assets, and other key info—no paper shuffling required.

3. Strategy & Lender Match

Behind the scenes, we compare credit policies, run the numbers, and negotiate with lenders. Then we catch up to walk you through your options and our tailored recommendation.

4. Your Personalised Game Plan

You’ll receive a clear, strategic plan designed to help you achieve your goals—backed by lending structures that make sense for your situation.

5. Application & Submission

We handle the entire application process with your chosen lender, prepping the paperwork, lodging the deal, and staying on top of every detail.

6. Loan Approval

The best part! Your loan is formally approved. We’ll coordinate document signing and keep things moving toward settlement.

7. Settlement Day

Funds are released, keys change hands, or the business upgrade begins. We’ll guide you through settlement and ensure a smooth handover.

8. Ongoing Support

We're not a once-and-done broker. We stay connected, review your loan regularly, and make sure it continues to serve you well.

Book Appointment

Our Latest Reviews

Matthew Severino

Thanks to Angelos help and expertise securing a great interest rate with my commercial property. Angelos knowledge and patience helped me through securing my loan the past few months. Would definitely recommend if anyone is thinking about refinancing or looking for a loan.

Michael Ivo

Thanks to Angelos help and expertise securing a great interest rate with my personal investment property. Angelos knowledge and proactive approach helped me through securing my loan in a timely and efficient manner! Would definitely recommend if anyone is thinking about refinancing or looking for a loan.

Tim White

Angelo was and still is there to help in anyway he can. If you have a question he's always there to answer any queries. Assisting in a non arms length first home purchase. ...

Nebojsa Stevanovic

Provided tailored advise, could not be more helpful with understanding my situation.

Peter

Angelo was fantastic to work with, his transparency and professionalism throughout the whole process made me at ease. Could not recommend enough.

Boro Josevski

I recently worked with Angelo at Tesoro Financial to secure financing for my car, and the experience was outstanding. Angelo was professional, always available to answer my questions, and guided me every step of the way. He made sure to ...

We work with Australia's biggest lenders

Frequently Asked Questions

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

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Sans Souci, NSW

0423 639 144

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Zvezda Capital Pty Ltd ABN: 96 674 799 592. Angelo Zvezdakovski is an authorised credit representative (Credit Representative Number 556639) of QED Credit Services PTY LTD (Australian Credit Licence Number 387856)

Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.