Home Loans
Finance for the home you actually want.
From first home buyer schemes to upgrading, guarantors and construction — we take the guesswork out of buying property.
- First home buyers & FHBG applications
- Upgraders, bridging & downsizing
- Construction and knock-down/rebuild loans
- Guarantor & family pledge structures
- Owner-occupied refinancing
What we help with
The Top Soul approach
Strategy first. Product second.
We start with your goals — the property, the timeline, the cashflow — then design a lending structure across our 40+ lender panel that supports where you're going, not just where you are today.
Talk to GemmaDeposit strategy
We'll model every deposit pathway — savings, equity, gifts, guarantor and government schemes — so you know the true minimum to move.
Pre-approval
A properly packaged pre-approval gives you real buying confidence at auction and negotiation.
Lender selection
Beyond rate, we match you to a lender whose policy actually fits your income, employment and property type.
Settlement & beyond
We coordinate with your solicitor and lender, then check in each year to keep your loan sharp.