Explore our full spectrum of services designed to simplify your path to property ownership.
Bespoke mortgage solutions to help you secure your ideal property
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.
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 onlineInvestment 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.
- Deep knowledge of investment loan strategies and structures.
- Practical advice shaped by real-world investment experience.
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.
Frequently asked questions
What is a mortgage broker?
A mortgage broker is a professional who helps you find and apply for home loans that suit your financial situation and property goals.
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?
Many of our services are provided free of charge. However, we do charge a $499 pre-approval fee, which is fully refunded if your loan successfully settles. We remain committed to transparent, value-driven support throughout your lending journey.
How does a mortgage broker get paid?
We are compensated by the lender upon the successful settlement of your loan. For pre-approvals, we charge a $499 fee, which is fully refunded once your loan settles. This means the cost of our service is ultimately covered by the lender, not you.
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.
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.
Are there any types of finance you don’t assist with?
We specialise in residential home and investment lending. To ensure every client receives guidance and support from someone with the appropriate expertise, we do not assist with:
- Construction loans
- Off-the-plan purchases
- Commercial finance
- Asset finance, including vehicle and equipment finance
However, we have relationships with highly capable finance professionals who specialise in these areas and would be happy to provide an introduction where appropriate.


