Skip to main content

Bespoke mortgage solutions to help you secure your ideal property

Explore our full spectrum of services designed to simplify your path to property ownership.

One digital home loan application, many lenders

Understanding that the journey to property ownership is as unique as the clients themselves, the streamlined digital application process allows applying to multiple lenders simultaneously, ensuring the perfect loan solution aligns with personal and financial aspirations.

Whether buying a first home or expanding an investment portfolio, we guide you through the entire home loan application process making it easy for you.

  • Refinancing
  • First home buyers
  • Investment home loans
  • Residential home loans

Over 35 lenders including

Why Electrum for your home loan?

Simplify and streamline the mortgage application process by getting in touch today to take the first step towards realising property ownership dreams with ease and confidence.

Service is free

Electrum Finance assists its clients throughout the entire loan application process and offers our services free of charge.

Competitive rates

We aim to offer the most competitive interest rates in the marketplace to suit your financial needs.

Tailored to you

Electrum Finance customises your property ownership journey with precision, ensuring solutions meet your specific needs.

Deep financial expertise

Led by a seasoned professional with an extensive background in financial services, provides deep insights and strategies to help you achieve your financial goals

Wide portfolio of products

Refinance, purchase, low doc, split loans, guarantor loans, bridging finance, pre-approval - all of the products in the market are available to you.

Client-first approach

You'll be guided through the entire loan application process without any service charges. Compensation comes directly from the lender after your loan is settled.

Ready to get started with your home loan?

Book your initial appointment to discuss your needs, then we send you a digital application, help you choose a suitable loan and guide you through the settlement process.

Apply online

Investment Home Loans

Understanding that professionals require uniquely tailored financial solutions, we specialise in investment loans designed to maximise your investment potential and expand your portfolio.

Led by the financial acumen of Adam Solano, our team offers bespoke financing options that align with your long-term financial goals and professional aspirations. Whether you’re looking to increase your property investments or diversify your assets, we are committed to providing strategic support that propels your success in the investment realm.

Your investment mortgage broker

  • Tailored mortgage solutions for individual needs.
  • Free service, compensated by lenders post-settlement.
  • Extensive expertise in financial markets.

Investment Refinance

  • Lower interest rates and reduced monthly payments.
  • Opportunity to access equity for further investment.
  • Ability to adjust loan terms to better suit financial goals.

Residential & First Home Buyer Home Loans

At Electrum Finance, we recognise that purchasing a home is more than just a transaction; it’s the foundation of your future. We provide bespoke residential home loan solutions designed to meet your unique needs. Whether you’re stepping into your first home or transitioning to a new one, we ensure a seamless and supportive process from start to finish.

Our commitment is to secure the most favourable outcomes for you, leveraging our comprehensive service offerings and expertise. With Electrum, you’re not just obtaining a home loan; you’re embracing a partnership that will help you navigate the complexities of mortgage financing with confidence and ease.

First Home Buyers

  • Tailored guidance for first-time home buyers.
  • Optimised financial solutions to suit individual needs.
  • Comprehensive support throughout the buying process.

Debt Consolidation

  • Streamline multiple debts into one manageable payment.
  • Potentially reduce overall interest rates and monthly payments.
  • Simplify your financial management and reduce stress.

Refinance your Home Loan with Electrum

Refinancing your home loan can provide flexibility, savings, and peace of mind, ensuring your mortgage continues to serve your best interests. Lowering your interest rates can reduce your monthly repayments and save you money over the life of your loan. Improved loan terms can be tailored to better suit your financial situation, whether you want to pay off your mortgage sooner or lower your monthly payments. Refinancing also allows you to access the equity in your home for renovations, investments, or other financial needs.

Additionally, refinancing can help you consolidate high-interest debts, streamlining your finances and potentially saving you money. Our team provides tailored refinancing solutions, expert guidance, and transparent processes, ensuring you make informed decisions.

Refinance Benefits

  • Lower interest rates can reduce your monthly repayments.
  • Improved loan terms can better suit your financial situation.
  • Access equity for renovations, investments, or other needs.

Refinance Debt Consolidation

  • Lower your overall interest rate by combining high-interest debts into your home loan.
  • Consolidate high-interest debts into a single payment.
  • Streamline your finances for better management.

What is a mortgage broker?

Why should I use a mortgage broker instead of going directly to a bank?

Using a mortgage broker can provide you with access to a wider range of products, tailored advice, and assistance in navigating complex loan applications, saving you time and potentially money.

What fees do I need to pay when working with a mortgage broker?

Our services are provided free of charge to you. We receive compensation from the lender once your loan is successfully settled.

How does a mortgage broker get paid?

We are compensated by the lender upon the successful settlement of your loan. This ensures our services are aligned with your best interests.

Can you help me with refinancing my home loan?

Yes, we can assist you in evaluating your refinancing options to secure better loan terms or rates that better suit your current financial situation.

What documents do I need to apply for a mortgage?

Typically, you’ll need proof of income, employment verification, identification, and details of your financial situation, including assets, liabilities, and credit history.

How much can I borrow?

The amount you can borrow depends on several factors including your income, debts, and the value of the property. We can help you estimate this amount based on your specific circumstances.

What is the difference between fixed rate and variable rate mortgages?

A fixed rate mortgage locks in your interest rate for a set period, providing predictable repayments. A variable rate can fluctuate with the market, potentially lowering your interest rates and monthly payments.

Can I get a mortgage if I'm self-employed?

Yes, self-employed individuals can qualify for mortgages, though you may need to provide additional documentation regarding your business income and financial stability.

What is a loan to value ratio (LVR)?

The loan to value ratio is the amount of your loan compared to the value of your property, expressed as a percentage. This ratio affects your interest rates and need for lenders’ mortgage insurance.

Do I need a deposit, and if so, how much?

Yes, most loans require a deposit. Some lenders accept as lows as 5% deposit, but this can vary depending on the loan product and your circumstances.

How do I know which loan is best for me?

We provide personalised advice based on your financial situation and goals to help you choose the best loan product for your needs.

Can a mortgage broker help me buy an investment property?

Absolutely, we can assist in securing financing for investment properties and offer advice on how to structure your mortgage solution to align with your financial goals. In fact, Electrum Finance specialises in investment portfolios.

How often should I review my mortgage?

It’s a good idea to review your mortgage regularly, at least every few years or if your financial situation changes, to ensure it still meets your needs. One benefit of using Electrum Finance is that we proactively review your mortgage every 6-12 months to ensure that you loan is as cost effective as possible.

What impact does my credit score have on getting a mortgage?

Your credit score can affect your loan terms and interest rates. We can help you understand your credit position and advise on steps to improve it if necessary with our Financial Health services.

Discover your bespoke mortgage solution