Home Loans

Are you interested in purchasing a property? Whether you’re searching for your first dream home or an exciting investment chance, we understand it might seem a bit daunting. But no need to worry! The fantastic team at Lionskey Finance in Melbourne is here to assist you. We’ll take care of all the tough tasks and research, discovering the perfect home loan that suits your requirements and budget perfectly.

How We Help You:

We come to your location for a chat about what you need, whenever it’s convenient for you.
We’ll find the right loan for you from our selection of over 25 lenders.
We handle all the paperwork for your loan and communicate with lenders, solicitors, and settlement agents to make sure everything is on track for your settlement dates.
We regularly check your loan options to make sure you’re getting the best deal on the market.
We assist in arranging applications for the first home owner grant.

At Lionskey Finance, we believe in being responsible when it comes to lending. We’re not here to get you into more debt than you can comfortably handle. The finance market can be pretty unpredictable, and we don’t want anyone getting into trouble with their loan. Our main objective is to help you achieve your property goals, whether it’s buying your first home or investing, while keeping your mind at ease. We do this by finding a home loan with the perfect structure, lender, and features that perfectly match your financial situation.

First Home Buyers

Lionskey Finance is where we know that buying your first home can be a real adventure! You’re probably facing rising property prices, new terms you’ve never heard before, and competition from experienced investors. Don’t worry, though; we’ve got your back.
Our team of home loan experts is here to make your journey smoother. We’ll give you top-notch advice that sets you up for success. We’ll simplify everything, connect you with experts who understand your situation, and create a plan that fits your needs. That way, you can enjoy your new home and make the most of this exciting step in your life.
As a first-time home buyer, you have access to fantastic grants, incentives, and great interest rates. But we know that all the paperwork and decisions can be overwhelming. Lionskey Finance is on a mission to help thousands of first-time buyers. We’ll show you what you’re eligible for and guide you through each step of the home loan process.
Buying your first home is a big deal. It’s thrilling, but it’s also a significant financial commitment. You have to think about what kind of property you want, how much you can borrow, and your financial stability. We understand it can be tough, but that’s where we come in. Lionskey Finance has helped countless first-time home buyers in Australia. We provide all the support and guidance you need, so you can feel confident about the choices you make.

Discover how

we can assist you

in making your first home purchase a reality.

Begin by understanding the entire process of buying a home, including the associated costs.

Identify and list all the costs involved in the home buying process, such as the down payment, stamp duty, legal fees, and ongoing expenses like property taxes and maintenance.

Start the process of securing a home loan by getting pre-approval from a lender. This entails providing your financial information and creditworthiness in order to determine the loan amount you are eligible for.

Investigate and apply for any available grants and incentives for first-time home buyers or specific programs in your area. These can help reduce the overall cost of purchasing a home.

Our Loan Refinancing Process

Step 1: Understand your requirements

Discuss your loan needs
Assess your current loan

Step 2: Scan the market

Compare market products to your current loan
Identify potential better options

Step 3: Submit application

Assist with application process
Ensure all required documents and identification are ready

Step 4: Approval and settlement

Await lender approval
Facilitate seamless loan changeover
Set up repayment plan
One-month follow-up to ensure a smooth transition

Here’s a checklist for first-time home buyers in Australia to help you stay organised throughout the home buying process:

Set your budget.
- Determine your maximum borrowing capacity and monthly repayment affordability. What price range should you consider for properties?
Check your credit score:
- Obtain a copy of your credit report and ensure it’s accurate.
- Take steps to improve your credit score if necessary.
Save for a Deposit:
- Aim to save at least a 20% deposit to avoid lender mortgage insurance (LMI).
- Explore government grants and incentives for first-time buyers.
Choose your ideal suburb.
- Keep in mind that you’ll call this place home for at least 5 to 10 years. If your dream suburb is too pricey, explore nearby areas that offer similar benefits.
Evaluate property growth.
- Do you have access to statistics or sales history for the area? Can your chosen mortgage broker provide you with this service for free?
Assess space needs.
- How many bedrooms and living spaces do you require in a potential property? While two living areas might be nice, one could suffice.
Build or buy an existing home:
- Decide whether to construct a new home or purchase an established one. Understand the advantages and disadvantages of each choice. Keep in mind that building might involve a waiting period before moving in.
Explore First Home Buyer Grants:
- Be aware that different state governments have varying requirements. Ensure the information you gather is specific to your state.
Consult with a mortgage broker:
- Purchasing a home can be a complex process, whether it’s your first or tenth. Schedule a meeting with Lionskey Finance today to explore your options.

Refinancing your home loan

Refinancing might seem like a complex process with many changes to navigate, but it can become much simpler with the assistance of a mortgage broker. Making the switch from your current home loan could be a smart move, especially if your current lender isn’t offering yearly discounts anymore.

Refinancing opens up the possibility of gaining additional features, improved terms, and the convenience of consolidating your debts.

If you’re feeling like your current home loan no longer suits your needs, our team of brokers can collaborate with you to modify your existing loan or find a new option that aligns with your circumstances. We handle direct communication with your lender to locate and negotiate a better deal, ultimately saving you time and money in the long term.

Lower Interest Rates: Refinancing can often secure a loan with a lower interest rate, leading to reduced overall interest costs.
Reduced Monthly Payments: Lower interest rates or extended loan terms can result in more manageable monthly mortgage payments.
Cost Savings: Refinancing can save you money over the life of your loan through reduced interest payments.
Debt Consolidation: You can consolidate high-interest debts, such as credit card balances or personal loans, into your mortgage for lower interest rates and simplified payments.
Improved Loan Terms: Refinancing allows you to adjust your loan terms, potentially switching from an adjustable-rate to a fixed-rate mortgage for more stability.
Access to Home Equity: You can tap into your home’s equity for important expenses like home renovations, education, or debt consolidation.
Better Loan Features: Refinancing can help you switch to a loan product with features better suited to your financial goals, such as a shorter loan duration or interest-only payments.
Financial Flexibility: It can provide you with greater financial flexibility and the ability to redirect funds to other investment opportunities.
Access to Cash -Cash-out refinancing allows you to access a lump sum of cash, which can be used for various purposes.