Separation Loans for a Fresh Start

Absolutely. Buying your first home is one of the biggest financial decisions you will ever make, and it can feel overwhelming when you are not sure where to start. At SR Finance, we work with first home buyers regularly and we know how important it is to feel supported and informed throughout the process. We will sit down with you, explain how home loans work, and help you understand what you may be eligible for, including any government grants or schemes available to first home buyers in South Australia. We take the time to answer your questions and make sure you feel confident before you take any steps forward. You do not need to have all the answers before you speak to us.

A mortgage broker acts as the go-between for you and a range of lenders. Instead of you having to contact multiple banks or lenders yourself, a mortgage broker does that work on your behalf. At SR Finance, we take the time to understand your situation, what you are hoping to achieve, and then we research options from our panel of lenders to find something that suits your needs. We handle the paperwork, communicate with lenders, and keep you informed at every step. Whether you are buying your first home, refinancing, or investing in property, having a broker in your corner means you have someone working for you throughout the whole process.

When you go directly to a bank, you only see what that one lender has to offer. At SR Finance, we work with a wide range of lenders, which means we can look at multiple options and present you with choices that suit your circumstances. Banks are focused on selling their own products, whereas our focus is on you and what works for your situation. We also take care of the legwork, saving you the time and effort of researching and applying on your own. Our team is based right here in South Australia, so we understand the local property market and the needs of people buying and investing in areas like Adelaide, Northern Adelaide and the Barossa Valley.

There is no direct cost to you, unless we agree otherwise in writing. Mortgage brokers are typically paid a commission by the lender once your loan settles. This means you can access our knowledge, support, and lender connections without paying out of pocket for our time. We are always upfront and transparent about how we are paid, and we will explain this to you clearly before we get started. We believe you deserve to know exactly how the process works, so there are no surprises along the way. If you have any questions about costs or commissions, just ask us and we will walk you through it in plain language.

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial conversation. There is no obligation involved in that first chat. We will ask you some questions about your situation and what you are hoping to achieve, and we will give you a clear idea of how we can help and what the next steps might look like. We work with clients across Adelaide, Northern Adelaide and the Barossa Valley. We are happy to meet in person or connect remotely depending on what suits you. The sooner you get in touch, the sooner we can start working on your behalf. We look forward to hearing from you.

Yes, we can. Self-employed borrowers often find the loan application process more involved than those who are in traditional employment, but that does not mean it is out of reach. Lenders typically want to see a clear picture of your income and business performance, which usually means providing tax returns, business financial statements, and sometimes additional documentation. At SR Finance, we have experience working with self-employed clients across a range of industries and we understand how to present your financial situation in a way that lenders can assess clearly. We will take the time to understand your business and income structure so we can match you with lenders who are well-suited to your circumstances.

The timeline for a home loan can vary depending on a number of factors, including the lender, the complexity of your situation, and how quickly documents are provided. In general, once we have all your information and documents, we can submit an application to a lender relatively quickly. From there, lender assessment times can range from a few days to a few weeks. At SR Finance, we stay on top of your application and follow up with lenders on your behalf so nothing falls through the cracks. We will keep you updated throughout the process so you always know where things stand. If you have a specific settlement date in mind, let us know early so we can plan accordingly.

Refinancing means replacing your current home loan with a new one, either with your existing lender or a different one. People refinance for a variety of reasons, such as wanting different loan features, consolidating debts, accessing equity in their property, or simply wanting to review whether their current loan still suits their needs. At SR Finance, we can review your existing loan and compare it against other options available through our lender panel. We will help you understand what switching might involve, including any costs or fees that could apply, so you can make an informed decision. If refinancing makes sense for your situation, we will support you through the process from start to finish. If it does not, we will tell you that too.

While the exact documents required can vary depending on your situation and the lender, there are some common items most lenders will ask for. These typically include proof of identity such as a driver's licence or passport, recent payslips or proof of income, your last two years of tax returns if you are self-employed, bank statements, details of any existing debts or liabilities, and information about the property you are purchasing. At SR Finance, we will give you a clear checklist based on your specific circumstances so you know exactly what to gather. We will also review your documents before submission to make sure everything is in order, which helps avoid unnecessary delays.

SR Finance can assist with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with vehicle and asset finance in some circumstances. Whether you are purchasing your first home in Northern Adelaide, looking at an investment property in the Barossa Valley, or thinking about refinancing your current loan to something more suitable, we are here to help. Every situation is different, so we take the time to understand yours before recommending any direction. Our goal is to make sure you have the right information to make decisions that work for you and your future.

We hope you are delighted with our services, but if you have a complaint please let us know so we can work towards resolving it promptly and fairly. You can make a complaint verbally or in writing by contacting your broker directly or by using any of the following:

Email: resolutions@lmg.broker
Phone: 1800 275 564 (toll free) Monday to Friday 9am to 5pm (AEST)
Mail: Resolutions, Level 28 35 Collins Street Melbourne VIC 3000

If you require accessibility assistance, including language and translations, please use the details above so we can help.

External Dispute Resolution Scheme:

If we do not reach an agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute
resolution provider is the Australian Financial Complaints Authority (AFCA). 
You can contact AFCA using any of the following:

Online: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (toll free)
Mail: GPO Box 3, Melbourne Vic 3001

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. You may refer the matter to
AFCA at any time, but if our internal process is still in progress, they may request that our internal processes be completed before considering the matter further.
You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.