Home Loans – Simplifying the Complex Mortgage Process
Exclusive low rates with zero hidden fees—The best home loan deal you won’t find anywhere else!
Get Your Dream Car, Faster and Quicker
Zero to low deposit, low-interest vehicle loans—Australia’s top deals to get you driving sooner!
Expand Your Business with Commercial Property Finance
Unlock finance with unbeatable rates— Your new commercial space awaits!
Power Your Fleet with Unmatched Heavy Vehicle Finance
Up to 100% financing, with flexible repayment options—Keep your transport business moving without the financial strain!
Unlock Your Business Potential with Seamless Cash Flow Solutions
Empower your growth, fuel your operations, and stay ahead—Cash flow financing tailored to your needs.
Hear From Our Customers
Aman Malik
Verified by RateMyAgent
I was a first home buyer and had a few questions but Sanjeet was patient and explained all the processes in detail. Not only that just a couple of days before my settlement the bank reduced the interest rates and Sanjeet made sure we got the best rates for the loan.
Vinayak Purohit
Verified by RateMyAgent
Sanjeet Hooda highly recommended when we started looking at getting into the market to buy our first home. Since the time we first spoke on the phone and every interaction thereafter, we have found Sanjeet .
Surya and Haritha
Verified by RateMyAgent
Sanjeet and the team are available outside hours and at times at your doorsteps. They go extra-mile to understand the customer needs and provide the needed service. Thank you, Sanjeet and the team
Diana Dumanon
Verified by RateMyAgent
Excellent Customer Service Excellent Customer Service. From the very start he was very accommodating and he understood our needs for our home loan. He has always been up front and he has always time explain the things we didn’t understand.
Jay P
Verified by RateMyAgent
Contact Bharat from Rapid Smart If you want quick result, best outcome & faster service. Our home loan was approved quicker than our expected time frame. Big yes to Rapid Smart Home Loan team.
Jhoanna Molina
Verified by RateMyAgent
Very good service. Sanjeet and his team did a really great job for both of our Land and Building Loans. They provided us with their best support, guidance and suggestions. I highly recommend them and Sanjeet Team. Kudos to all of you and thank you!
Ranveer Sankhla
Verified by RateMyAgent
Experience with Sanjeet Hooda I met Sanjeet Hooda almost 10 years ago. It was always wonderful experience dealing with him since then. He is very professional and diligent throughout financing process of our multiple home loans on all occasions.
Amol Jadhav
Verified by RateMyAgent
Good experience and Recommendable person. He has knowledge about the market conditions. He take the consideration of the customer requirements, situation and will try to give the 100% efforts from his side.
Sagar Aggarwal
Verified by RateMyAgent
This home loans Team is very professional and straight forward with all the information. I have been dealing with Mr Sanjeet Hooda and he has very good knowledge about home loans and is keen to help the customers.
Aman Malik
Verified by RateMyAgent
I was a first home buyer and had a few questions but Sanjeet was patient and explained all the processes in detail. Not only that just a couple of days before my settlement the bank reduced the interest rates and Sanjeet made sure we got the best rates for the loan.
Start your journey with an expert’s advice
- Extended Hours of Support
- Free Property Reports
With strong relationships across 45+ lenders, we take care of many details to secure most suitable finance deal for you.
We're on a mission to empower confidence to take control of financial decisions.
Discover the Perfect Loan Solution for your needs
- Finding the right loan is like finding the perfect match; it requires more than just an algorithm—it takes a personalized understanding of your needs. At FINEDGE Finance, our brokers blend expertise with a tailored approach to ensure you secure the loan that’s truly right for you.
- Reach out to us to discover how we can assist you. Contact FINEDGE Finance today and let’s find the perfect loan solution for you.
Our Promise To You
Your interests come first—at FINEDGE Finance, not the lenders.
We prioritise your best interests throughout your entire loan journey.
We review various options to find what works best for you.
Compare Top Mortgage Rates and Save Big!
Our Services
Home Loans
Did you know that some of the lowest home loan rates in the market are offered by smaller lenders?
First Home Buyers
Looking to buy or build your first home? Learn how to apply for the First Home Owner Grant and secure your home loan.
Bad Credit Home Loans
Leveraging our deep expertise in mortgage and finance broking, we specialize in finding suitable options for those with challenging credit situations.
Low Doc Loans
If you’re self-employed and your bank knocks back your application to purchase a property, we can help you.
Construction Loans
Before you commence any construction project, it is crucial to first understand how much you can borrow.
Investing in Property
With Our Wealth Of Mortgage Broking Experience, We Have The Expertise To Source Options For People With Bad Credit.
SMSF Loans
We also offer SMSF loan, specialized loan products designed to help you purchase property within your superannuation fund.
Refinancing
Debt consolidation involves combining all your current loans and debts into one, with the goal of lowering interest rates and fee.
We are committed to sourcing the most suitable product from our network of lenders.
Ensuring You Stay Informed About Market Trends
Property outlook - what's in store for property?
Purchasing a home remains a crucial and rewarding decision, offering both personal fulfilment and financial stability. Our established partnerships with a diverse range of lenders enable us to provide tailored solutions in this evolving market. Property values are consistently rising, driven by historically low interest rates and robust buyer demand. Additionally, the past year has highlighted a significant surge in property values across regional Australia, reflecting growing interest and investment in these areas.
Federal budget deep dive
The 2022 Federal Budget introduced substantial tax changes for individuals and businesses, which were later codified by Bill C-19. This session will delve into the details of these tax changes, examine the implications of Bill C-19, review key updates from provincial budgets, and provide strategic planning insights for navigating the new tax landscape. Join us to understand how these developments affect your financial planning and business strategy.
First home buyer deposit scheme
The First Home Loan Deposit Scheme is an Australian Government program aimed at assisting eligible first-time buyers to purchase their homes more quickly. Normally, a deposit of less than 20% requires lenders mortgage insurance. Under this scheme, the National Housing Finance and Investment Corporation (NHFIC) guarantees a portion of the home loan provided by participating lenders. This guarantee allows first home buyers to secure a mortgage with as little as a 5% deposit, helping them achieve home ownership sooner. Additionally, this initiative helps reduce the financial barriers to entering the property market, making home ownership more accessible.
Our Executive Team
Sanjeet Hooda
Director & Credit Advisor
Bharat Vekariya
Director & Credit Advisor
Jaimin Yadav
Director & Credit Advisor
Gaurav Nigam
Credit Advisor
Sharaf Ansari
Broker Support Officer
Nithya Swaminathan
Broker Support Officer
Nidhi Patel
Support & Retention Specialist
Frequently Asked Questions
Yes, you can purchase a property with another person, even if you are not related. It’s important to establish a clear legal agreement outlining each party’s responsibilities and share in the property to avoid potential disputes.
Typically, a pre-approved home loan is valid for about three months. After this period, most lenders will require you to provide updated documentation, such as recent payslips, other income documents, bank statements to re-confirm your financial details and ensure that your application still meets their criteria.
We recommend securing a pre-approval before you start searching for a property. This gives you a clear understanding of your budget and ensures that you have a confirmed loan amount, providing peace of mind and helping you make informed decisions throughout your property search. Knowing your financing options in advance can also strengthen your position when making offers.
For a quick, easy, and hassle-free approval, you will need to provide the following documents:
- Identity documents: Eg. Driver Licence, Passport – A copy with your current address, or proof of current address.
- Recent Payslips: Copies of your two most recent payslips or Group Certificates from the last two years.
- Savings Account Statements: Recent statements for all savings accounts.
- Credit and Loan Statements: Recent statements for all credit cards, personal loans, car loans, etc., if applicable for all applicants.
- Current Rent Statement: Last three months of rent statements for your current property, if applicable.
- Contract of Sale: Required only if the property purchase is finalized; not necessary for pre-approval.
- Rent Appraisal: From a real estate agent, if the investment property purchase is finalized.
Please ensure all documents are accurate and up-to-date. Additional documentation may be required based on your specific circumstances. For a complete list tailored to your situation, please contact FINEDGE Finance Team for guidance.
Lender Mortgage Insurance (LMI) is typically required when you borrow more than 80% of the property’s value. It serves to protect the lender against potential losses if you default on the loan. Unlike other types of insurance, LMI benefits the lender, not the borrower. This insurance is a one-time premium that can often be included in the total loan amount, making it a manageable cost for the borrower. While LMI does not provide any direct benefit to you, understanding its implications is important for effective financial planning. For more detailed information and personalized advice on how LMI may impact your loan, please reach out to the FINEDGE Finance Team
Loan to Value Ratio (LVR) is a risk assessment metric used by banks and lenders to evaluate the risk associated with a loan application. It is calculated with the following formula:
LVR = Borrowed Loan Amount / Property Value
This ratio helps lenders assess how much of the property’s value is being financed through the loan. A higher LVR indicates a higher level of risk for the lender, as it signifies a larger portion of the property’s value is borrowed. Typically, a lower LVR is preferred as it suggests less risk and may result in better loan terms and lower insurance costs. Understanding your LVR can help you better manage your financial planning and loan requirements.
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1800-147-258Our Address
310/12 Century Cct, Norwest NSW 2153, Australia