Your Home Loan Journey Starts Here

Getting started is straightforward. You can reach out to us by phone, email, or through our website to book an initial consultation. This first conversation is a chance for us to learn about your situation, what you are hoping to achieve, and any questions you might have. There is no obligation involved in having that initial chat. From there, if you are ready to move forward, we will guide you through each step of the process, from gathering your documents through to submitting your application and beyond. At Lyan Finance, we believe that good communication and a clear process make a real difference, and we are here to support you every step of the way.

Lyan Finance can assist with a wide variety of lending needs. Whether you are purchasing your first home, upgrading to a larger property, investing in real estate, refinancing an existing loan, or looking at options for a construction loan, we are here to help. We also assist self-employed borrowers, who often face additional complexity when applying for finance. Our role is to understand your specific situation and connect you with lenders who have products suited to your needs. No two clients are the same, and we approach each situation individually rather than applying a one-size-fits-all solution.

A mortgage broker acts as the link between you and a range of lenders, including banks, credit unions, and other financial institutions. Rather than you having to contact each lender individually, a mortgage broker does that work on your behalf. At Lyan Finance, we take the time to understand your financial situation, your goals, and what you are looking for in a home loan. We then research options from our panel of lenders and present you with choices that suit your circumstances. We also handle much of the paperwork and communication with lenders throughout the application process, which can save you a significant amount of time and effort.

In most cases, there is no direct cost to you for using our mortgage broking services. Lyan Finance is typically paid a commission by the lender once your loan settles. We are required by law to disclose any commissions or fees to you upfront, so you will always know exactly how we are compensated before you proceed. This transparency is something we take seriously. If there are any situations where a fee may apply, we will always discuss this with you clearly and in advance. Our goal is to make sure you feel informed and comfortable at every step, with no surprises along the way.

While the exact documents required can vary depending on your situation and the lender, there are some common items that most lenders will ask for. These typically include proof of identity, recent payslips or evidence of income, tax returns (particularly for self-employed borrowers), bank statements, details of any existing debts or liabilities, and information about the property you are looking to purchase. At Lyan Finance, we will provide you with a clear checklist tailored to your circumstances so you know exactly what to gather. Being well-prepared with your documents from the beginning can help avoid unnecessary delays in the application process.

Yes, refinancing is one of the most common reasons people come to us. There are many reasons why someone might consider refinancing, such as wanting to access equity in their property, consolidating debts, changing their loan structure, or simply reviewing whether their current loan still suits their needs. At Lyan Finance, we can review your existing loan and compare it against options available through our lender panel. We will explain the potential costs involved in refinancing, such as exit fees or application fees, so you can make an informed decision. Refinancing is not always the right move for everyone, and we will always give you an honest assessment of your situation.

Not at all. While Lyan Finance is based in Sydney, we work with clients right across Australia. Thanks to phone, email, and video calls, we are able to provide the same level of personalised service to clients whether they are in Melbourne, Brisbane, Perth, or a regional area. The home loan process can be managed entirely remotely if that suits you, and many of our clients prefer the convenience of being able to communicate with us from wherever they are. If you are local to Sydney and would prefer a face-to-face meeting, we are happy to arrange that as well. We work around what suits you best.

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 Lyan Finance, we work with first home buyers regularly and understand the questions and concerns that come with the process. We can walk you through how home loans work, explain the different loan types available, and help you understand what government grants or schemes you may be eligible to apply for, such as the First Home Owner Grant. We take the time to explain things in plain language so you feel confident and informed throughout the process.

The timeline for a home loan can vary depending on a number of factors, including the lender you apply with, the complexity of your financial situation, and how quickly documentation is provided. Generally speaking, once a full application is submitted with all required documents, lenders can take anywhere from a few days to a few weeks to issue a formal approval. At Lyan Finance, we work to keep the process moving as smoothly as possible by helping you prepare your documents correctly from the start and staying in regular contact with the lender on your behalf. We will keep you updated throughout so you always know where things stand.

When you go directly to a bank, you are only seeing what that one lender has to offer. At Lyan Finance, we work with a wide range of lenders, which means we can present you with a broader set of options to consider. We are not tied to any single institution, so our focus is on finding a loan that suits your needs rather than promoting one particular product. We also provide personalised guidance throughout the entire process, from your first enquiry through to settlement. For many people, having someone in their corner who understands the lending process and can explain things clearly makes a real difference.