Home Loans

At SF Capital

Our full suite of lending services is designed to meet a wide range of personal and investment finance needs. Whether you’re a first home buyer or seasoned property investor, our team of expert mortgage brokers is here to help. We specialise in solving challenging home loan scenarios, including those involving self-employed income, trust structures, or multiple entities.

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Self-Employed Loans

Worried the banks won’t accept your self-employed income? We are experts in securing home loans for business owners and self-employed borrowers. We know how to present your application to maximise your borrowing power.

First Home Buyers

Buying your first home? We simplify the process by helping you compare home loan options, guiding you through pre-approval, and supporting you through to settlement. Let us take the stress out of securing your first home loan.

Home Upgrades

Upgrading to a bigger or better home? Our expert mortgage brokers help families manage the logistics of selling and buying, ensuring your finance is sorted with minimal disruption to your lifestyle.

Downsizing Homes

Downsizing your home to access equity or simplify your lifestyle? We’ll walk you through your refinancing or new home loan options and help manage the transition smoothly, with a focus on maximising the value of your property.

Investment Property Loans

Looking to build wealth through property? We work with first-time and experienced investors to secure tailored loan solutions, optimise cash flow, structure portfolios for long-term growth, and maximise the return on your property assets.

LMI Loans

Can’t quite reach a 20% deposit? We help home buyers enter the market sooner by navigating LMI home loan options and ensuring you fully understand the costs and benefits.

Family Guarantees

Struggling to save a full deposit? A family guarantee loan could help. We guide you and your guarantor through the process, leveraging family equity while protecting all parties involved.

Expat Lending

Living overseas and want to buy or refinance property in Australia? We make expat lending simple, using your foreign income to structure a loan with an Australian bank while handling all local stakeholders on your behalf.

Bridging Loans

Found your dream home but haven’t sold your current one? We help qualified buyers secure bridging finance to buy first and sell later, minimising stress and keeping your plans on track.

Residential SMSF Loans

Looking to invest in residential property through your Self-Managed Super Fund? We specialise in SMSF home loans and help trustees meet lender requirements, structure the loan correctly, and invest with confidence.

Construction Loans

Building or renovating a home? Our brokers manage the unique demands of construction loans, helping you secure funding for new builds or major structural renovations.

Residential Alt Doc Loans

If your income doesn’t meet standard bank criteria, we can assist with Alt Doc and Lo Doc loans. These loans can be a perfect solution for strong self-employed applicants who fall outside the box of traditional lending.

Explore Our Commercial Lending Services

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Explore Our Business Lending Services