5% Deposit Scheme
Buy with as little as 5% deposit and no lenders mortgage insurance. Since 1 October 2025 there are no income limits or caps on places, and the price cap in Sydney is $1.5 million.
Official details ↗
Based in The Ponds · Helping clients Australia-wide
Home loans, compared and explained.
Buying your first home, upgrading, investing or refinancing? We compare 50+ banks and lenders, explain your options in plain English and manage your application through to settlement.
50+lenders compared
5+years broking
7 daysevening & weekend appointments
Cash needed upfront
$0
Estimate for an established or new home in NSW, using 2026–27 transfer duty rates and the First Home Buyers Assistance Scheme. "Other costs" is a rough allowance for conveyancing, inspections and registration fees. Not credit or tax advice.
Estimated borrowing power
$0
Home loan repaymentLiving costs and debts
Estimate only. Assumes a 30-year term, a 6.0% rate plus a 3% lender buffer, and 2025–26 tax rates. Lenders assess differently. Not credit advice or a loan approval.
Estimated saving
$0
Estimate only, principal and interest repayments. Excludes switching costs such as discharge and government fees. Not credit advice.
Lenders on our panel include
Why use a broker
A bank sells its own loans. We shop the market for you.
50+
Banks and non-bank lenders
Big four, online lenders and specialists. We shortlist the ones whose rates, features and policy actually fit you, not just whoever advertises most.
Plain English
Rates, fees and loan features explained clearly, so you know exactly what you're signing.
Tricky situations
Self-employed, new job or building? We know whose policy says yes.
Yearly rate check
Rates drift after settlement. We review yours every year.
Englishहिन्दीਪੰਜਾਬੀ
In your language
Talk through your loan in English, Hindi or Punjabi.
Calculators
28 free calculators to plan with.
From repayments and stamp duty to offset accounts and refinancing.
Buying a home
Loan repayments
Weekly, fortnightly or monthly repayments for any loan amount.
Buying a homeStamp duty
Duty and government fees for any state.
Managing your loanOffset account
How much interest an offset could save you.
Managing your loanExtra repayments
Time and interest saved by paying a little more.
Good to know
Help for first home buyers in NSW.
Two government schemes can save first home buyers tens of thousands of dollars. Here's what they offer.
Stamp duty savings
Eligible first home buyers pay no transfer duty on homes up to $800,000 and reduced duty up to $1 million. Try the upfront costs calculator above to see your figure.
Official details ↗Get pre-approval first
Conditional approval tells you exactly how much you can spend, so you can make offers and bid at auction with confidence.
Start my pre-approval →Rules as at November 2026. Government schemes change and eligibility criteria apply. We'll confirm what applies to you.
Loan finder
Not sure where to start?
Three quick questions and we'll point you to the right loan and what to prepare.
Question 1 of 3
Services
Every kind of loan, one point of contact.
How it works
From first chat to keys in hand.
You deal with Ritesh, the business owner, from start to finish.
Free consultation
We learn your goals, income and timeline, in person, by phone or on video.
Compare and shortlist
We narrow 50+ lenders down to a few options and explain each in plain English.
Apply and approve
We prepare and lodge your application and follow the lender up until it's approved.
Settle and review
We see you through settlement, then check your rate every year after.
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FAQ
Straight answers before you call.
Still unsure? Ask us anything in a free 15-minute chat.
Do I pay anything to use a mortgage broker?
No. Our home loan service is free to you. The lender pays us a commission once your loan settles, and we disclose the amount before you go ahead.
How much deposit do I need?
Usually 5–20% of the price. Less than 20% typically means lenders mortgage insurance, unless you're eligible for a government scheme such as the 5% Deposit Scheme. We'll check what you qualify for.
Can you help if I'm self-employed?
Yes. Many lenders accept two years of tax returns, and some offer alternative documentation options. We match you to lenders whose policy suits your income.
How often should I review my home loan?
At least once a year. Lenders often give new customers sharper rates than existing ones, so we check yours annually at no cost.
Can we meet outside business hours?
Yes. We know most people work during the day, so we offer evening and weekend appointments, in person, by phone or on video, wherever you are in Australia.
What should I bring to the first meeting?
Recent payslips or tax returns, bank statements, details of any debts and photo ID. Bring what you have and we'll tell you what's missing.
Get in touch
Book your free consultation.
Tell us what you need and we'll get back to you within one business day. Evening and weekend appointments available, in person or by video.
Phone0412 597 549
Email[email protected]
Based inThe Ponds NSW 2769
Facebook@skfinsol