Residential Loans

Whether you’re stepping onto the property ladder for the first time, upgrading to your forever home, or investing in real estate, we’ll guide you through Australia’s lending landscape with clarity and confidence.

Looking to buy property?

We simplify the residential loan process by comparing options from our extensive lender network. Our team focuses on securing competitive rates and loan features that suit your lifestyle – whether you need offset accounts, flexible repayments, or construction finance. We’ll explain everything and handle the paperwork, so you can focus on what matters most: finding your perfect property.

With property markets and interest rates constantly changing, having an experienced mortgage broker makes all the difference.

Get in touch today to discuss how we can help make your home ownership journey smoother and more affordable.

Residential loans can be used for a variety of purposes

Home Loans

These are usually owner occupied, principal and interest based loans for the purchase of your first home, second home or even better, your dream home.

We can help you work out your ideal solution based on your unique needs. We’ll search fixed and variable rates to find you a suitable loan.

Investment Loans

In contrast, these are usually investor loans for tenanted property, rather than owner occupied. There’s options for principal and interest as well as interest only terms.

Whether you’re green as an investor or a seasoned pro looking to grow your portfolio, we can certainly help. You can even ask us about our buyer’s advocate options too!

Refinancing

When was the last time you looked at your loan? If your answer is anywhere longer than 6 months, you could stand to save some money. Rates change, life changes and your needs change over time.

Ensuring your loan is working with you in the right way is important for your financial journey to be a success.

Looking for help with sourcing your next property?

At Umbra Financial, we’ve curated partnerships with some of the industry’s most useful contacts. Through our trusted partner, you can gain access to a licensed buyer’s agent to help with property search, evaluation and negotiation, making your purchase journey simpler and smoother.

Ask us today