Home & Investment Loans For Professionals

Industry Leading Service & Advice

Tailor made solutions: Helping you achieve your current as well as future goals

Award winning service: Always looking to provide you with a stress-free experience

Proactive & dedicated: Taking the guess work out of personal and business lending

Always there for you: Contactable 7 days a week. There when it counts

What Types of Loans Can OneSite Help You With?

Couple eating at table
First Home Buyers

First Home Buyer Loans

Buying your first home is one of life’s major decisions. It takes planning, research and plenty of careful budgeting. It is very exciting indeed.

Your OneSite Mortgage Broker has a special first home buyer’s guide prepared especially for you. You will be guided throughout the process from beginning to end.

Your Mortgage Broker will be available 7 days a week to answer all your questions. YourMortgage Broker will help you in finding the loan product that is best suited to your situation. They will explain the process from getting a pre-approval until settlement. They will help you to secure the property by moving fast during the loan application process (e.g. ordering bank valuation) to making sure that your settlement happens on time and without any costly delays or complications.

If you are not quite ready to buy your first home yet, your Home Loan Broker Sydney can help you with your budgeting and planning. They will help you to create a saving plan in order to achieve your goal faster.

You can buy a home sooner with special home loan options like Family Guarantee, where family member helps to guarantee part of your home loan.

Additionally, we run a number of workshops and seminars often aimed at educating first home buyers. Keep an eye out on Facebook and our events page.

Mortgage Agreement

Refinancing

There are many reasons why you may want to refinance your loans, It is important to have an expert by your side to give you an honest opinion.

  • To get a better rate
  • To get a loan product your current lender does not have
  • To consolidate debts
  • To draw out equity
  • And many more

Whether you should refinance or not. E.g. if you would like to get a better rate, your OneSite Mortgage Broker will always try negotiating the rate for you with your current lender.

It is often cheaper to stay with your current lender (providing you are happy with everything else) if they can lower your rate.

Your OneSite Mortgage Broker will present you with a cost benefit analysis before helping you decide whether refinancing your loan is your best option.

Refinance costs involve a discharge fee on your current lender, State mortgage registration, sometimes mortgage stamp duty, and new lender fees such as loan establishment fees. It is very important to investigate, compare and analyse your current lender’s products against any new lenders before agreeing to refinance the loan.

iStock_000046490000_XXXLarge

Second Home Buyer Loans

Congratulations! You are ready now to buy your second home. It could be a new investment property or you are upgrading to a bigger home.

Your Mortgage Broker will help you develop a personalised strategy to achieve this goal. Whether you keep both properties, sell first/buy first, obtain a bridging loan, use the equity of the existing home, all your available options will be explored and presented to you.

This ensures you can take the best decision possible. It is important that the loan product and structure is correctly set up to avoid any major penalties or break cost further down the track.

Contact your OneSite Mortgage Broker if you need to finance, hire or lease motor vehicle or latest technology and machinery for your business.

Unlike a lot of specialists in the Equipment Finance area, OneSite Finance is not tied to a specific bank or lender.

Your Home Loan Broker Sydney will assess your situation and help you find the most suitable product available on the market today.

For more information, please check our dedicated asset and equipment finance page.

Book your FREE Home Loan Strategy Session

See how you can save $500 per month off your current home loan repayments


A couple looking at a blueprint

Construction & Building Loans

Construction loans can be tricky. It is crucial to have the right advice from on the process and how to set the construction loan up from the outset.

There are different types of construction loans depending whether you apply as an Owners Builder or you engage a professional builder.

If you go with a professional builder, you can either obtain a Fixed Price Building Contract or a Cost Plus Building Contract. Sometimes you also need to do renovation on the property. Your Broker can help you by obtaining a renovation loan for you. This is where all lenders are not equal!

It is very important to choose a bank that is good at dealing with construction loans. Some banks charge very high interest rates during construction or are very slow in paying the builder. Once you agree on how you want to structure your project and a bank or lender is selected, your Broker will push to get the bank construction loan valuation done and loan formal approval granted before you have to put the deposit on your building contract.

Thus minimising the risks of the lending bank find issues or complications with your project. During construction, your Mortgage Broker will help in making sure that your builder is paid in full and on time by the bank.

Purchasing a 2nd property

Commercial Loans

Each opportunity presents a different set of challenges, and you will always need an independent expert to look at all available options.

Your Mortgage Broker can help you in obtaining finance to buy an existing business, a loan to purchase commercial real estate, purchase investments through your Self Managed Super Funds or to start a new business venture.

They can also assist with Margin Lending loans if you would like to borrow and invest in the stock market.

You Mortgage Broker will help you shortlist and ultimately choose the most suitable solution. Unlike a lot of lending specialists who are tied to a specific bank or lending group, OneSite Finance is completely independent.

Your Mortgage Broker will assess your situation and help you find the most suitable product available on the market today.

A young couple going over some documents with their financial advisor

Investment Loans

Your OneSite Mortgage Broker will work with your accountant to make sure the right loan structure created is the most advantageous for you.

It is important to check with your accountant to find the right investment structure and ownership split in order to maximise your tax benefits e.g. (whether the new purchase is under individual name, trust or company) and whether it is purchased under joint tenants, tenant in common equal/not equal share.

Each option has its pros and cons.

All of OneSite's Mortgage Brokers are experienced property buyers too and are always happy to share their journey and experiences with you.

Monopoly Houses

Self Managed Superannuation Fund (SMSF) Loans

Borrowing within a Self Managed Super Funds (SMSF) is a very technical area. It presents a number of challenges for the unwary. OneSite Brokers will help you navigate through all the "gotchas"

Your Mortgage Broker can help you in obtaining finance to purchase investments through your Self Managed Super Funds. They will help you navigate through the many rules and regulations that bind this class of borrowing.

You Mortgage Broker will help you shortlist and ultimately choose the most suitable solution.

Unlike a lot of lending specialists who are tied to a specific bank or lending group, OneSite Finance is completely independent. Your Broker will assess your situation and help you find the most suitable product available on the market today.

What Makes OneSite Unique?

Long Term Partnerships

OneSite Finance started in 2005. Our Mortgage Brokers are
trained to the highest standards. In each one you will find
a long term partner. Someone who will
look after your current as well as your future needs.

We Have Been In Your Shoes

All our Staff Members and Brokers have
personal experience in buying and selling property in and around

Sydney
. We have all
walked many miles in your shoes and know how you feel. We know how complicated things can
get. This is why
your Mortgage Broker will answer your calls – 7 days a week.

Exceptional Lender Relationships

OneSite was
established in 2005. The Lenders treat us as
trusted partners. Being trusted partners allows us to:

  • Negotiate better rates with the banks
  • Achieve faster turn-around times
  • Ask for upfront or discounted property valuations
  • Negotiate and present challenging or non standard deals


Read More ›

Looking For a Great Mortgage Broker in Sydney?

Speak with one of Sydney’s most Experienced Independent Mortgage Brokers

Book your FREE Loan Strategy Session. Let us show you how you can save $500 per month off your home loan repayments

"I would highly recommend OneSite finance. I dealt with Norman who was very professional and efficient. He also was very accommodating to my schedule and fitted me in when he could. My emails and calls where promptly answered. I would highly recommend OneSite finance to any future prospect."

 

Focussed Service

We work with banks and non bank lenders, conveyancers, property agents and financial planners to provide you with complete end to end solutions.

Industry Knowledge

We combine industry and sector-specific knowledge with a unique ability to translate customer needs into innovative and transformative solutions.

Dedicated Advisors

Our Mortgage Brokers will take customer service to the next level. We know how busy your life is and we want to make sure that you have a pleasant experience with us. Always.

Whether you are looking to purchase your first home, refinance your existing loan, purchase an investment property, or review your current home loan, OneSite Finance helps you to find the most beneficial finance package suitable for you.

Download your Residex Property Valuation Report valued at $100 for FREE


Who Can OneSite Help?

Family
Purchasing a second property

Medical Practitioner Loans

Did you know that as a medical practitioner you maybe able to get a loan up to 90% borrowing without Lenders Mortgage Insurance (LMI)?

Are you a Medical Practitioner (Dentist, General Practitioner, Hospital-employed Doctor – Intern, Resident, Registrar, Staff Specialist, Medical Specialist, Optometrist, Pharmacist or Veterinarian)?

What is LMI you ask?

LMI is a type of insurance policy that covers the lender in case you as the borrower default on the loan. This represents an extra cost, often to the tune of tens of thousands of dollars and is often charged on loans where you are trying to finance more than 80% of the value of the property.

On top of LMI waivers, you may qualify for extra rate discounts and other goodies depending on the lender. Your independent Mortgage Broker will assess your situation and advise you on the best lender and product.

brown gavel and open book on a wooden table of the law in the courtroom

Legal Professional Loans

For Solicitors, Lawyers, Barristers, Judges looking to finance property and borrow up to 90% without having to pay Lenders Mortgage Insurance (LMI)

Did you know that as a Legal Professional you maybe able to get a loan up to 90% borrowing without Lenders Mortgage Insurance (LMI)?

What is LMI you ask?

LMI is a type of insurance policy that covers the lender in case you as the borrower default on the loan. This represents an extra cost, often to the tune of tens of thousands of dollars and is often charged on loans where you are trying to finance more than 80% of the value of the property.

On top of LMI waivers, you may qualify for extra rate discounts and other goodies depending on the lender. Your independent OneSite Broker will assess your situation and advise you on the best lender and product.

iStock_000044635102_Large

Mining, Energy & Resource Industry Professional Loans

For Engineers, Surveyors, Mine Surveyors, Quantity Surveyors, Geologists or Geophysicists looking to borrow up to 90% without having to pay Lenders Mortgage Insurance (LMI)

Did you know that as a resource industry professional you maybe able to get a loan up to 90% borrowing without Lenders Mortgage Insurance (LMI)?

What is LMI you ask?

LMI is a type of insurance policy that covers the lender in case you as the borrower default on the loan. This represents an extra cost, often to the tune of tens of thousands of dollars and is often charged on loans where you are trying to finance more than 80% of the value of the property.

On top of LMI waivers, you may qualify for extra rate discounts and other goodies depending on the lender. Your independent Broker will assess your situation and advise you on the best lender and product.

Calculations

Accounting Professional Loans

For Accountants, Actuaries, Auditor, CFOs or Finance Managers looking to borrow up to 90% without having to pay Lenders Mortgage Insurance (LMI)

Did you know that as an accounting professional you may be able to get a loan up to 90% borrowing without Lenders Mortgage Insurance (LMI)?

What is LMI you ask?

LMI is a type of insurance policy that covers the lender in case you as the borrower default on the loan. This represents an extra cost, often to the tune of tens of thousands of dollars and is often charged on loans where you are trying to finance more than 80% of the value of the property.

On top of LMI waivers, you may qualify for extra rate discounts and other goodies depending on the lender. Your independent OneSite Broker will assess your situation and advise you on the best lender and product.

Sign up for our Newsletter
×
Free Property Profile Report
  • Address for the property you are looking to get a report for
×
Workshop Registration
  • Please complete this form for each person attending this event / workshop.
  • Please select the event / workshop you wish to attend
  • Tell us a little about your self
×
Loan Review
×

Almost there: please complete this form to get instant access to the video series…

Videos From Our Property Masterclass

×
Free Loan Strategy Session
Complete the form below and we will get in touch with
you very soon to book your FREE Loan Strategy Session
×