The Clients We Help ...
First Home Buyers
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.
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 home loan broker sydney 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.
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 home loan broker sydney 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.
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.
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.
Discover how to get the right home or investment property loan and save years and thousands in repayments, fees and taxes
Obligation-free advice from expert mortgage brokers in Sydney. Home loan specialists with decades of experience having helped thousands of clients since 2005
Years of Awards
You're in safe hands... OneSite Finance has been operating since 2005. In that time, we've won many individual and business accolades
The following are just the awards we've won in the last 5 years
The Busy Professionals We Help ...
Medical Practitioner Loans
Did you know that as a medical practitioner you may be able to get a loan up to 90% borrowing without paying for 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)?
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 paying for Lenders Mortgage Insurance (LMI)?
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 paying for Lenders Mortgage Insurance (LMI)?
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 paying for Lenders Mortgage Insurance (LMI)?
Enquire Now. Book Your FREE Home Loan Strategy Session
Discover how to get the right home or investment property loan and save years and thousands in repayments, fees and taxes
IT Professional Loans
Are you an IT Industry Professional? Are you a Software Engineer, Web Developer/Designer, IT Manager, Project Manager, or Software Architect?
We specialise in helping busy IT Professionals whether employed on a Full-Time basis or on Rolling Contract with their home and investment loans.
Did you know that as an IT Industry Professional, you may be eligible to borrow up to 90% without having to pay for Lenders Mortgage Insurance (LMI)?
What is LMI?
Lenders Mortgage Insurance (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.
Norman really took the stress out of the whole home loan process. Our circumstances were not straight forward so we found it incredibly frustrating trying... read more -
Liz has been amazing and so supportive of my husband and I on our journey to home ownership. We first made contact with Liz about... read more -
We just purchased a house through Liz's mortgage broker service. She is a star performer who worked relentlessly through our mortgage needs and gave us... read more -
We've found One Finance on google and decided to give it a try based on the amazing reviews. We were wondering whether the 5 stars... read more -
Norman Suryadi was outstanding in helping us to get a mortgage for our first home. He is a great broker with very good insight into... read more -
We have used Liz as our mortgage broker for many years. We have refinanced many time and Liz always gets us the best rate. On... read more -
We would highly recommend Liz to anybody that wants a mortgage broker that will not give up!
Liz has been our mortgage broker for the... read more -
Norman from OneSite Finance helped me get my first investment property. I am very impressed with Norman’s hard work in finding me the best rate,... read more -
We can say confidently that One Site is The Best Mortgage Finance Company, and Liz is the Best Mortgage Broker! We have known Liz since... read more -
Liz and her team are fantastic. They have helped me through buying multiple properties and it has always been a great experience. Liz has deep... read more -
Liz is one of the most professional and results-driven financial service provider I've ever worked with.
My partner and I applied for a new home loan... read more -
Liz is a super efficient and helpful broker. She was available 24/7 to answer any of our questions which I am sure you will not... read more -
I've worked professionally with Liz from OneSite Finance in the past, and she was always reliable and attentive. I was impressed with her manner and... read more -
Highly recommend Onesite finance specially Norman to everyone. The most responsible, caring, punctual, reliable person we dealt with in the whole mortgage process. If you... read more -
We have Liz in the last 7 years to help us with all our finance needs. She’s very detailed, thorough and very quick in processing... read more -
Speciality Home Loans
OneSite Finance specialises in a number of specialty home loans such for professionals, business owners and the self-employed.
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.
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.
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.
We work with banks and non bank lenders, conveyancers, property agents and financial planners to provide you with complete end to end solutions.
We combine industry and sector-specific knowledge with a unique ability to translate customer needs into innovative and transformative solutions.
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.