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.

Get a 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

Beti zvezdak

I recently refinanced our loan through Solara Financial and the team were an absolute pleasure to deal with. I can’t recommend them highly enough! Thank you

Stephanie Risteski

As a first home buyer, Angelo was there every step of the way. His communication was clear and kept me informed along the journey. Thank you once again to Team Solara!

Zac S

Angelo at Solara Financial has been an absolute dream to work with. He is incredibly knowledgeable in his field and communicates openly. Thanks to his proactive assistance, I feel confident that I’m on the right path to achieving my goals. I highly recommend Solara Financial to anyone seeking this service.

kylie pitt

Angelo was a wonderful support throughout the process. He was knowledgeable, approachable, and always available to answer our questions. He made everything feel seamless and easy. We’re very grateful and highly recommend him!

Harry Loughland

Working with Angelo was such a positive experience from start to finish. Buying a home can be stressful, but they made the process simple, clear, and stress-free. They took the time to explain everything in detail, answered all of my questions, and always made me feel like a priority. His communication was outstanding—always prompt, transparent, and proactive. Angelo worked hard to find us the best loan to suit our situation and made sure we felt confident every step of the way. Thanks to his expertise and support, what could have been overwhelming turned into an exciting and smooth journey. I wouldn’t hesitate to recommend Solara Financial to anyone looking for a mortgage broker who genuinely cares about their clients.

joanne szekeres

From start to finish Angelo was professional, responsive and incredibly helpful. He made the entire process of refinancing our loans smooth and stress free, and he secured us loans with great rates. He was always available when we needed him and very easy to talk 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.

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.

We're Mortgage Brokers helping clients get into their home sooner with a range of Home Loan options