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.

Pre-Approval Support

Electrum Finance charges a $499 fee for pre-approvals, which is fully refundable if your loan proceeds to settlement.

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

We provide expert guidance throughout the entire loan journey, keeping your best interests at the centre of every decision.

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
Posted on Google Google
Emma Baulman profile picture
Emma Baulman
24 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Cannot recommend Adam enough! Extremely knowledgeable and helpful, he is expert at what he does and always goes above beyond!!!
Posted on Google Google
Ciaran Tomlin profile picture
Ciaran Tomlin
5 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Adam is an absolute powerhouse of a broker. As a citizen but having not lived or bought in Australia/Victoria before, Adam's guidance, patience and at times necessary candour about the process of purchasing our first home was invaluable. Dare I say, it might not have happened at all without him. Adam truly goes above and beyond not merely out of a sense of duty, but through his evidently genuine care for his clients as they navigate a huge life milestone. Thank you Adam for all your assistance in the previous months, it was a real pleasure working with you.
Posted on Google Google
Max Maples profile picture
Max Maples
5 August 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Adam is absolutely top class. He made our home-buying process as easy as possible from start to finish and guided us through every step. As first-home buyers, we found his support and expertise incredibly valuable. He was extremely responsive, explained everything clearly, and was always happy to break things down whenever we had questions. He was well organised and consistently one of the first people to contact us whenever there was any progress. We couldn’t have asked for a better experience and would highly recommend him to anyone looking to buy a home.
Posted on Google Google
Janice Lim profile picture
Janice Lim
31 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Goes above and beyond to help with the whole process of securing a home. They are very informed and knowledgeable and provide trusted advice.
Posted on Google Google
Bianca Talag profile picture
Bianca Talag
20 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Adam has been absolutely fantastic! He is quick to respond, patient, and knowledgeable, which made the home buying process easy to navigate. He makes time to address any concerns, which is incredibly reassuring. I would highly recommend him to anyone looking for a mortgage broker
Posted on Google Google
Nichola Burton profile picture
Nichola Burton
22 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I can wholeheartedly recommend Adam’s services. He’s seen us through a long property search with multiple pre-approval renewals, and has been excellent throughout. Great communication, clear advice, and proactively made sure everything was in place once we finally found a place. I can’t imagine having gone through the process without him.
Posted on Google Google
Brandon Tang profile picture
Brandon Tang
16 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I would highly recommend Adam to anyone looking for a knowledgeable, honest, and trustworthy mortgage broker. As a first home buyer, I had a lot of questions and was unfamiliar with the process. Adam took the time to explain every step along the way and provided all the information I needed to make informed decisions with confidence. I always felt I was in good hands. Adam was readily available to answer my questions, whether they were about the mortgage process or his approach to helping clients. He was open and transparent, often sharing his own experiences and insights, which helped me better understand the journey and learn from others who had been through it before. I’m very grateful for Adam’s guidance and support and wouldn’t hesitate to recommend him to anyone.
Posted on Google Google
James Walton profile picture
James Walton
10 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
We couldn't be happier with the service we received from Adam. After dealing with several other mortgage brokers in the past who were slow to respond, lacked follow-through, or simply didn't deliver on their promises, it was refreshing to work with someone who genuinely did what they said they would do. From the outset, Adam was proactive, responsive, and highly knowledgeable. He kept us informed throughout the entire process, worked hard to find the right finance solution for our circumstances, and consistently followed through on every commitment he made. What stood out most was his professionalism, attention to detail, and ability to get things done efficiently without us having to chase him. Securing finance can be a stressful process, but Adam made it straightforward and gave us confidence every step of the way. Thanks to his hard work, we achieved a great outcome and felt supported throughout the entire journey. We would highly recommend Adam to anyone looking for a mortgage broker who is reliable, hardworking, and, most importantly, delivers results.
Posted on Google Google
Goh Nakamura profile picture
Goh Nakamura
6 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
Having Adam support me throughout the process was a genuinely a suuper positive experience. Having dealt with several other brokers in the past, I can confidently say he stands out from the rest. Initially, I was concerned about communication since I live interstate from where he is based. However, that quickly proved to be a non issue. Adam's communication was exceptional from start to finish and was easily the standout aspect of the experience. It's rare to find a broker, or any professional for that matter, who consistently goes above and beyond not only during business hours, but also after hours and on weekends when needed. He was always approachable, responsive, and willing to help. I would not hesitate to recommend Adam to anyone looking for a broker, and I will certainly be returning to him for any future assistance!
Posted on Google Google
Dan Sofo profile picture
Dan Sofo
4 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5
I recently had the pleasure of working alongside Adam to help a client purchase their first home. The experience was first class. Adam is thorough, detailed, very responsive- and importantly got an exceptional product and rate for our buyer. I highly recommend.

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.
  • 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.

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?

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.

How often should I review my mortgage?

It’s a good idea to review your mortgage regularly, at least every two 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 debt portfolio every 6-12 months to ensure that it 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.

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.

Discover your bespoke mortgage solution