SK Finance and Home Loans
Home Loans
Buying a home is a big decision. We make the finance side easier by helping you understand your options and the steps involved.
About this service
Finance guidance built around your circumstances.
Buying a home or moving to a new one? We can help you understand your loan options and find a lender that suits your circumstances.
Every borrowing situation is different. Your income, financial position, goals, property and the lender's assessment criteria can all affect the options available to you.
Our role is to help you understand the finance process, discuss your requirements and explore lending options that may be suitable for your circumstances.
Who this may be for
This service may be relevant to customers in situations such as:
- People buying a home to live in.
- Homeowners looking to move.
- Borrowers reviewing their current home loan.
- Anyone wanting help with the home loan process.
How we can help
Depending on your circumstances, we can help you understand areas such as:
- Understanding your borrowing position.
- Comparing home loan options.
- Understanding loan features and repayments.
- Preparing your application.
- Working through the application process.
- Helping you stay on track through to settlement.
Things to consider
Your circumstances matter.
When assessing a lending option, there are several factors that may need to be considered. The exact requirements depend on the lender and your individual circumstances.
Your income and expenses.
Existing loans and financial commitments.
Your deposit and savings.
Your credit history.
The property you are buying.
The lender's lending criteria.
Why work with us
A simpler way to approach your finance.
We focus on clear conversations, practical guidance and helping you understand your lending options.
A clearer view of your borrowing options.
Access to lenders on our panel.
Help understanding the loan process.
Support from application through to settlement.
Our process
From conversation to next steps.
The exact process can vary depending on your circumstances, lender and finance requirements. Generally, the journey can look like this.
Have a chat
We start by understanding what you want to buy, your timeframe and your current situation.
Review your finances
We look at your income, expenses, savings and existing commitments.
Compare your options
We help you explore suitable loan options available through our lender panel.
Prepare your application
We help you understand what information and documents are needed.
Lender assessment
Your application is assessed by the selected lender against its lending criteria.
Settlement
Once approved, we continue to help you through the final steps towards settlement.
Getting prepared
Documents you may need.
The documents required will depend on your circumstances and the lender. These are examples of information that may be requested.
Identification.
Recent income evidence.
Bank statements.
Details of existing loans and debts.
Evidence of your deposit or savings.
Property details, where available.
Frequently asked questions
Questions about home loans?
How much can I borrow?+
It depends on your income, expenses, existing debts, deposit and the lender's assessment criteria. We can help you understand your borrowing position.
How much deposit do I need?+
The amount you need can vary depending on the lender, property and your circumstances. Other buying costs may also need to be considered.
Can I apply if I already have a home loan?+
Yes. Depending on your circumstances, you may be able to purchase another property, refinance or restructure your existing lending.
Let's talk
Ready to talk about your finance goals?
Start with a conversation about your goals and circumstances. We'll help you understand the next steps and the lending options that may be available to you.
All lending is subject to lender criteria, assessment and approval. Loan products and features available to you will depend on your circumstances.