It's never too early to start discussing your circumstances and how to get your application in the best shape possible for your new home finance. You may be looking for a property already, or exploring building. It's best to start discussing your options as soon as you feel a new home could be in your future plans.

Our finance team work with an array of lenders, to find the right mortgage through our wide range of lenders, negotiating optimal terms and conditions for our clients. 

Some of our main lenders with long standing relationships with our team include:

• ANZ
• CBA
• NAB
• Suncorp
• Westpac

Once our team have met with you to discuss your objectives and options we’ll commence compiling your application. 

We’ll source the best finance options for you, act as the liaison between you and the lender, and advocate on your behalf to help you secure the funding you need. Once you’re approved with your preferred lender, we’ll send you the contract to sign. 

Upon finance approval, we will support you through the process of settling the transaction and further support as required.

Similar to a new home finance application, we will meet with you to discuss your current mortgage terms, as well as your current goals and objectives.

From there, our team will review a number of lender products and present the best suited options for your needs. Then we will act as the liaison between you and the lender, and advocate on your behalf to help you secure the funding you need. Once you’re approved with your preferred lender, we’ll send you the contract to sign. 

Upon finance approval, we will support you through the process of settling the transaction and further support as required.

Synergy Business Finance doesn't charge anything directly to the client for our brokering services. Synergy Business Finance receives payment from the lender our client chooses to proceed with. Meaning we work entirely for the clients benefit in all instances.  

We can assist with new home finance, refinancing, investment mortgage loans, bridging loans and a wide array of other mortgage solutions.

Equity is the difference between the worth of your home and what is owed to your bank.

Equity can be established a number of ways. It can build over time as your loan amount reduces through principal and interest repayments, or as you make improvements on your home that increases it’s value. Your equity can also grow if the market value of your property increases. All these scenarios could affect the equity you have in your property!

Usable equity is the equity in your home that you can access and borrow against. Typically, banks will lend up to 80% of the value of your home, less what you owe. This equity is classified as usable equity.

You can withdraw equity by increasing or topping up an existing home loan, applying for a supplementary loan or cross collateralising your home with a new investment property.