5.0 from 38 Reviews
Buying a home is one of the most significant financial decisions you will ever make, and having the right support can make all the difference. At Lyan Finance, we work with clients based in Sydney and across Australia to help them access home loan options from banks and lenders across the country, so you can move forward with confidence.
Understanding Your Home Loan Options
The home loan market offers a wide range of home loan products to suit different needs and circumstances. Whether you are looking at a variable rate, a fixed rate, or a split rate loan, each option comes with its own set of home loan features and home loan benefits worth understanding before you commit. A variable interest rate home loan moves with the market, which means your repayments can go up or down over time. A fixed interest rate home loan locks in your rate for a set period, giving you certainty over your repayments. A split loan lets you divide your borrowing between both, so you get a measure of flexibility alongside some stability.
Beyond the rate type, home loan packages can also include features such as an offset account or a linked offset, which can help reduce the amount of interest you pay over the life of the loan. A mortgage offset works by offsetting your savings balance against your loan balance, meaning you only pay interest on the difference. This can be a practical way to build equity in your home more quickly over time.
Owner Occupied Home Loans
If you are purchasing a property to live in, an owner occupied home loan is likely to be the most relevant product for you. These loans are available with principal and interest repayments, where you pay down both the loan amount and the interest at the same time, or interest only repayments, where you pay just the interest for a set period. Principal and interest repayments are generally the most common choice for owner occupiers because they help you build equity steadily over time and work toward long-term financial stability.
At Lyan Finance, we take the time to understand your situation before presenting home loan options that are suited to your goals. We work with a broad panel of banks and lenders, which means we can compare home loan rates and home loan products on your behalf rather than being limited to a single lender's offerings.
Home Loan Pre-Approval and Borrowing Power
One of the most useful steps you can take before making an offer on a property is seeking home loan pre-approval. Pre-approval gives you a clearer picture of your borrowing capacity and helps you search for a property within a realistic price range. It also signals to sellers that you are a serious buyer. The loan to value ratio, or LVR, plays an important role in this process. Your LVR is the percentage of the property value you are borrowing. A lower LVR generally means access to more favourable home loan rates and may help you avoid paying Lenders Mortgage Insurance, commonly known as LMI. LMI is typically required when you borrow more than 80 per cent of the property's value and is designed to protect the lender rather than the borrower.
Comparing Home Loan Rates
Calculating home loan repayments and understanding current home loan rates are important steps in planning your purchase. Home loan rates comparison can feel overwhelming when you are looking at dozens of lenders, each with different rate discount offers, interest rate discounts, and variable home loan rates. That is where Lyan Finance adds real value. We do the research and comparison work for you, helping you understand what you are actually paying for and whether the home loan features on offer are worth the trade-offs.
If you are a first home buyer, the process of applying for a home loan for the first time can feel particularly unfamiliar. Lyan Finance works closely with first home buyers to explain each step clearly and help you understand what to expect. We also assist clients who are looking to refinance an existing loan or explore investment loan options as their property goals evolve.
Why Your Home Loan Matters
A home loan is not just a financial product. It is the foundation that helps you achieve home ownership, secure your future, and invest in property that grows in value over time. Choosing the right loan structure from the start, whether that means finding the lowest rates available to you, selecting a portable loan that moves with you if you relocate, or simply ensuring you need lower repayments during a particular stage of life, can have a meaningful impact on your financial wellbeing for years to come.
At Lyan Finance, we are committed to helping you understand your home loan options clearly and thoroughly, so you can make informed decisions with confidence. Reach out to our team today to find out how we can support you on your path to home ownership.
Step 1: Initial Consultation
We start with a conversation. Whether you reach out by phone, email, or through our website, we take the time to understand your situation, your goals, and what you are hoping to achieve. There is no pressure and no jargon - just a friendly chat to get things moving in the right direction.
Step 2: Fact-Finding and Assessment
Next, we take a closer look at your financial position. We gather details about your income, expenses, assets, and liabilities. This helps us build a clear picture of your borrowing capacity and identify the right loan options for your needs.
Step 3: Research and Loan Comparison
With access to a wide panel of lenders, we do the legwork for you. We compare hundreds of loan products to find options that suit your goals, whether you are buying your first home, refinancing, or investing in property.
Step 4: Loan Recommendation
We present you with our recommended loan options in plain language. We walk you through the features, interest rates, fees, and repayment structures so you can make a confident and informed decision.
Step 5: Application Preparation
Once you are happy with your chosen loan, we prepare and submit your application on your behalf. We handle the paperwork, liaise with the lender, and make sure everything is in order to give your application the best chance of approval.
Step 6: Approval and Settlement
We keep you updated every step of the way through the approval process. Once your loan is approved, we work closely with your solicitor or conveyancer to ensure settlement goes smoothly and on time.
Step 7: Ongoing Support
Our relationship does not end at settlement. We stay in touch to make sure your loan continues to work for you. As your circumstances change or better options become available, we are here to review your loan and help you stay ahead.
Huge thanks to Andrew from Lyan Finance! He is such a friendly, professional, and fast-working broker. He made the whole process smooth and stress-free, and I couldn't be happier with the service I received. I'm completely satisfied and will definitely reach out to him again in the future!
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I highly recommend Andrew. I have had some complicated mortgage issues and Andrew has worked efficiently with my solicitor, bank and building company. He is very prompt at getting things done. He has made the whole process go along smoothly Andrew has been very patient with all my questions.
Rachel Newman
Andrew has been my broker for more than 10 years. I purchased my second property with his assistance and we have gone through a number of refinancing since then for my two properties. He has been very professional and helpful. My interest is very much looked after. I highly recommend him.
Reggie CRUZ
I had an exceptional experience with Andrew An. From start to finish, he demonstrated professionalism, expertise, and a genuine commitment to finding the best mortgage solution for me. His knowledge of the market was impressive, and he took the time to explain every detail clearly, making the entire process smooth and stress-free. He was always available to answer my questions and provided timely updates. Thanks to Andrew's hard work, I secured a fantastic mortgage rate and my home buying experience was a success. I highly recommend Andrew An to anyone looking for top-notch mortgage services!
Jackson H
Speak with the team at Lyan Finance and find out which home loan options suit your situation. We are here to help you compare rates and move forward with clarity.
Contact UsGetting 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.