Buying a home is one of the biggest financial decisions you’ll ever make — and at Kesh Finance Solutions, we make it easier. With over 20 years of mortgage industry experience, we’ve helped hundreds of Australians across New South Wales secure their dream homes and investment properties.
Whether you’re purchasing your first home, refinancing, or expanding your property portfolio, our experienced mortgage brokers are here to help you every step of the way.
Our mission is simple: to help you secure the best home loan with confidence, clarity, and care.
Buying your first home is exciting — but also overwhelming.
We help you understand:
Thinking your current loan might not be the best fit anymore?
Refinancing can help you:
We’ll compare your current loan with better options and help you switch smoothly.
Whether it’s your first investment or your fifth, we can help structure your loan for better returns, flexibility, and long-term growth.
If you run a business or have irregular income, traditional lenders may make things difficult.
We work with lenders who accept:
If you’ve experienced financial challenges such as defaults, late payments, or other credit issues, we’ll explore lenders who take a more flexible approach.
Whether you’re ready to buy, refinance, or invest, our friendly team of mortgage experts is here to help you make confident, informed decisions.
Contact Kesh Finance Solutions today for a free consultation — and take the first step toward smarter home ownership across NSW.
Getting a home loan in NSW usually starts with a financial assessment to determine your borrowing capacity. A mortgage broker reviews your income, expenses, and credit profile, then compares offers from different lenders. Once you’ve chosen the right product, your broker manages the application, approval, and settlement process — saving you time and helping you secure a competitive rate.
Most lenders require at least a 5–20% deposit of the property’s purchase price. However, some first-home-buyer and government-backed programs in NSW allow you to buy with a smaller deposit or include options like the First Home Guarantee Scheme. Working with an experienced mortgage broker ensures you find lenders suited to your deposit size and eligibility.
A fixed-rate home loan locks in your interest rate for a set period, protecting you from rate rises. A variable-rate loan changes with market conditions, giving more flexibility but also more movement in repayments. Many NSW homeowners choose split loans, combining both options for balance and stability.
Yes — refinancing can help you secure a lower interest rate, reduce repayments, or consolidate debt into one manageable loan. In NSW, many homeowners refinance every 2–4 years to take advantage of market changes. A mortgage broker can review your current loan and negotiate with lenders to find better options with minimal paperwork.
Absolutely. Self-employed borrowers can apply through Low Doc Home Loans, which accept alternative income verification such as BAS statements or accountant letters instead of payslips. At Kesh Finance Solutions, we work with lenders who specialise in flexible documentation options, helping business owners and contractors achieve home ownership with confidence.