Home Loan Solutions in Melbourne

Find a Home Loan That Supports Your Property Goals

Whether you are buying your first home, moving to a new property, building a house or investing, SKR Global Finance provides personalised mortgage guidance to help you understand your options and move forward with confidence.

Get a Free Home Loan Assessment Book a Consultation

Personalised loan guidance

Nepali and English support

Support through to settlement

Home Loan Support for Every Stage

We help you understand suitable lending pathways based on your property plans, income, deposit and financial position.

First home buyer loans
Owner-occupied home loans
Investment property loans
Construction and house-and-land finance
Refinancing and equity reviews

Clear Guidance Understand your options before applying

Loan Comparison Explore suitable options from a lender panel

Personal Support Assistance from enquiry to settlement

Nepali Speaking Support available in Nepali and English

Home Finance Made Clear

A Home Loan Strategy Built Around Your Circumstances

A home loan is more than an interest rate. The right loan structure should consider your deposit, repayment preferences, future plans, available features and the type of property you are purchasing.

SKR Global Finance takes the time to understand your goals before helping you compare suitable home loan options. We explain the process clearly, help organise the required documents and support your application through approval and settlement.

Every lending application is different. Your borrowing capacity, interest rate and available loan options will depend on lender criteria, income, expenses, liabilities, credit history and property details.

We can help you with:

Estimating your potential borrowing capacity
Understanding deposit and upfront property costs
Comparing fixed, variable and split-rate options
Reviewing offset account and redraw features
Preparing and lodging your loan application
Communicating with relevant parties until settlement

Home Loan Options

Finance Solutions for Different Property Goals

Your preferred loan structure will depend on whether you are purchasing, refinancing, investing or building.

First Home Buyer Loans

Guidance for deposit planning, borrowing capacity, potential first-home buyer assistance and selecting a loan suitable for your first property.

Owner-Occupied Home Loans

Home loan options for purchasing a property you intend to live in, including upgrading, downsizing or relocating.

Investment Home Loans

Lending support for purchasing an investment property and structuring finance around cash flow, equity and longer-term portfolio plans.

Construction Loans

Finance for building a new home, major renovations and progressive construction payments based on completed stages.

Home Loan Refinancing

Review your current loan to explore whether another rate, lender, repayment structure or loan feature may better support your needs.

House-and-Land Packages

Assistance understanding the finance structure for purchasing land and funding the construction of your new home.

More Than Simply Finding an Interest Rate

We look at loan structure, repayment flexibility, lender policy and your future plans to help you make a more informed borrowing decision.

Why Work With Us

Professional Support Throughout Your Home Loan Journey

Clear Explanations

Understand loan terminology, repayments, fees and features without unnecessary complexity.

Lender Comparison

Compare potentially suitable products and lender policies based on your circumstances.

Application Support

Receive help preparing supporting documents and progressing the application with the selected lender.

Ongoing Communication

Stay informed as your application progresses from initial review through to approval and settlement.

Our Home Loan Process

A Clear Path from Enquiry to Settlement

We guide you through each stage and explain what is required before your application moves forward.

Initial Consultation

We discuss your property goals, financial position and preferred timeframe.

Financial Review

We review income, expenses, deposit, liabilities and relevant documents.

Compare Options

Potential loan structures and suitable lender options are considered.

Loan Application

We help prepare and lodge the application with the selected lender.

Approval & Settlement

We support communication and progress tracking through to settlement.

Prepare for Your Application

Documents Commonly Required for a Home Loan

Exact requirements vary between lenders, but preparing these documents early may help make the application process more efficient.

Identification

Australian driver licence or passport
Visa or residency information where applicable
Current residential address details

Income Evidence

Recent payslips
Employment details or employment contract
Tax returns or financials for self-employed applicants
Evidence of additional income where relevant

Financial Position

Bank statements and savings history
Existing loan and credit card statements
Living expenses and regular commitments
Property contract or building documents where relevant

Nepali Speaking Support

Mortgage Guidance in Nepali or English

Financial terminology can be difficult to understand, particularly when purchasing property in Australia for the first time. We explain the process clearly and help you understand your responsibilities, potential costs and next steps.

Speak With Our Team

नेपाली भाषामा गृह कर्जा सम्बन्धी सहयोग

अष्ट्रेलियामा घर खरिद गर्दा आवश्यक deposit, borrowing capacity, interest rate, repayment, lender requirement र application process बुझ्न हामी तपाईंलाई नेपाली वा अंग्रेजी भाषामा स्पष्ट जानकारी र व्यक्तिगत सहयोग प्रदान गर्छौं।

Home Loan FAQs

Frequently Asked Home Loan Questions

General answers to common questions from home buyers and property owners.

How much can I borrow for a home loan?

Your borrowing capacity depends on factors such as income, regular expenses, existing debts, credit limits, dependants, deposit size and the selected lender’s assessment criteria. A borrowing assessment can provide an initial indication before you begin making offers.

How much deposit do I need to buy a home?

Deposit requirements vary depending on the lender, property, loan type and your financial circumstances. Buyers should also consider costs such as stamp duty, conveyancing, inspections and other purchasing expenses.

What is home loan pre-approval?

Pre-approval is an initial lender assessment based on the information available at the time. It may provide an indication of how much you could potentially borrow, but it is not unconditional approval and may remain subject to valuation and further lender checks.

Should I choose a fixed or variable interest rate?

A variable rate may provide flexibility and access to features such as offset or redraw, while a fixed rate may offer repayment certainty for a defined period. The suitable option depends on your circumstances, preferences and future plans.

What is an offset account?

An offset account is a transaction account linked to an eligible home loan. The account balance may offset part of the outstanding loan balance when interest is calculated. Features and conditions differ between lenders.

Can I get a home loan if I am self-employed?

Self-employed applicants may be eligible for a home loan, although lenders can require business financial statements, tax returns and other evidence of income. Available options depend on business history, income consistency and lender policy.

Can temporary visa holders apply for a home loan?

Some lenders may consider eligible temporary visa holders, subject to visa type, income, deposit, property type and lender criteria. Additional government approvals or costs may also apply depending on the applicant’s circumstances.

How long does the home loan process take?

Processing time depends on the lender, application complexity, valuation, document quality and current lender workloads. Preparing complete and accurate documents early can help reduce avoidable delays.

Ready to Explore Your Home Loan Options?

Start with a free, no-obligation home loan assessment. Tell us about your property goals and financial position, and we will help you understand your possible next steps.

Get Your Free Assessment Call 0451 571 184

The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, terms, conditions, fees and charges apply. Approval is subject to lender assessment. Sandeep Sigdel is a Credit Representative (CRN 576436) of Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704.