Residential Finance

Owner Occupied 

When it comes to purchasing your forever home, we appreciate that there are a lot of emotions involved. For this reason, we ensure that the finance process is as stress free as possible.

Investment Property 

Whether you’re buying your first investment property or looking to restructure your finances for a large property portfolio, we’ve got you covered. With hundreds of different loan options and structures available, you can be sure we’ve got what you need.

Refinancing & Debt Consolidation

With the current cost of living crisis, refinancing and consolidating your debts has become a very popular and effective way to get the most out of your money. We can save you thousands of dollars in repayments and even get you access to tax free money to make another property purchase or simply for personal use.

First Home Buyers

Buying your first home can be very stressful. Property, finance, contracts, building & pest inspections, solicitors, valuations, settlements and so on. There are so many new terms. Luckily, at SJN Finance we educate our first home buyers through every step of the way so you understand exactly what is going on, from start to finish.

Pre-Approvals

Many people purchase properties at auction and in order to do this you must have a pre-approval. Simply put, a pre-approval is a confirmation from the bank that you can borrow a certain amount of money in order to purchase a property. We highly recommend you have a pre-approval before looking for property to purchase.

Off-The-Plan Purchases

There are many moving parts to buying property off-the-plan - land registrations, construction costs, solicitors, builders and much more. For this reason, we ensure that your finances are set up to protect you from any changes or unexpected events to ensure you get the property you signed up for.

Construction Loans

Construction loans require ongoing support. For this reason, we ensure you have the right loan product, lender and structure to make the process of construction as stress free as possible.