At SF Capital we offer the full suite of lending services to meet both personal and commercial lending needs. We are highly experienced in servicing all types of clients from first home buyers to very seasoned property developers. Our team hold expertise in niche and very technical areas of lending. No matter how tricky the income, entities or structures involved, we love the challenge of solving a complex loan.

a House

Home Loans for First Home Buyers

It can be tough breaking into the property market. Talking to agents, attending inspections and competing at auctions can be a daunting process. We take away the angst of your first home purchase by guiding you...
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Investment Property Loans

We are passionate about growing your wealth. Whether you are a first time purchaser or sophisticated investor, we have the skills and expertise to meet your needs, and execute the most complex of property inves...
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Upsizing House Mortgage

We work with growing families looking to upsize or determined to buy their dream home. Buying and selling your home can be complex, especially where your most valuable asset is at stake. We help you evaluate yo...
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Downsizing House Mortgage

Selling your home and downsizing can be a daunting process, especially when you’re letting go of your most valuable asset. We help you understand your finance options and manage the process for you so you can...
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Off the Plan Financing and Loan

There’s nothing like the feeling of a brand new home! We’ve helped hundreds of clients with purchasing off the plan properties, whether they be first home buyers or experienced property investors. We know t...
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Business Owners

Home Loans for Self Employed

Are you self-employed and looking to borrow for your next home or investment property? Are you unsure of your borrowing capacity, or concerned the bank will not understand your financial statements? We are expe...
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Expat Loans

We make it easy for qualifying Aussie Expats to arrange finance with Australian banks to purchase their home or investment property. Our services include using your foreign income to evaluate your borrowing cap...
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Home Loans for Medical Professionals

We know Doctors are busy and that your primary passion and purpose is health care. At SF Capital, we handle your financial life with the same care and diligence as you would handle your patient’s life. We hav...
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Home Loans for Lawyers

We understand that being a lawyer is a high pressure, highly skilled and demanding role. In fact, 3 of our staff completed law degrees before joining SF Capital. That’s why our goal is to make it straightforw...
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Home Loans for Accounting Professionals

We know Accountants are busy people and your passion is in your numbers and in your clients. We specialise in putting time back into your day, by managing the entire loan process for you and being a mortgage br...
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Hard Hat

Construction Loans

Constructing a new home can be a great way to maximise the returns on a property you own, or capture the upside on a vacant block of land you have bought. Having said that, building a new home has its complicat...
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Family Guarantee Home Loan

We have helped hundreds of home buyers get into the property market and know how hard it can be to save your initial deposit. A family guarantee can help you get into the market property sooner, by utilising th...
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Bridge Loans

Buying and selling your home can be a complicated process. Sometimes, the timing just doesn’t line up. You may find your dream home before you’re ready to put your current home on the market. We can help ta...
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Specialist Loan

Have you found a property you love but your accountant just can’t get your tax returns ready in time? Perhaps you earn a good income, but just can't quite prove it to the bank? Are you being told no by the ba...
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store front

Commercial Property Loan

Are you looking to purchase or refinance a commercial office, retail shopfront or warehouse? Is your property more specialised, and you require finance for a hotel, childcare centre, nursing home, petrol statio...
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Debt Restructuring

Do you have a Commercial Bill that is expiring or under review by your current bank? Are your current loans straining your cash flow? We can help you restructure your current commercial loans to achieve better...
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Property Development Finance

Whether you are a seasoned property developer, a growing developer looking to take the big step from townhouses to unit blocks or someone new to property development, you should know by now that getting the fin...
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Private Lending

So all the big banks have said no, and now all the second tier and specialist lenders are also struggling to meet your financing requirements. What to do now? Private Lending may be a viable solution. It is ess...
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Equipment Financing

An asset is something of use or value. To a business, this could be any income generating item from machinery to electronic devices. If it has a serial number we can broker the finance for it. For a smooth asse...
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Happy Car

Car Loans and Finance

Thinking of a new car? When you’re buying a car it is easy to get caught up in the moment and just go with the finance option put in front of you. But.. did you know we have access to over 20 lenders which ra...
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Business Overdraft Loan

An overdraft or a line of credit is a revolving credit facility where you can use up to a predetermined limit set by the financial institution. It is a revolving credit facility as you can use a certain amount;...
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Unsecured Business Loans

Unsecured lending by definition is lending that is not secured by real estate property or a specific asset (e.g. car/truck and piece of equipment). These are usually loans against the cashflow or balance sheet...
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Franchise Loans

Buying into a franchise can be an extremely lucrative investment. Early adopters or purchasers of a well positioned franchise are often able to achieve strong financial returns by buying into a proven system fo...
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Debtor Finance

Do you experience a large timing gap between when your goods are sold and when you get paid? Or perhaps when your services are rendered and when the client pays? If so, Debtor Finance or Invoice Finance may be...
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