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Home Loans & Lending Solutions

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Home Loan

Home Loan Solutions Built Around Your Goals

Whether you’re buying your first home, purchasing your next property, refinancing or investing, the right loan is about more than simply finding a competitive interest rate.

At Kesh Finance Solutions, we take the time to understand your goals, financial position and future plans before exploring suitable lending options across banks, non-bank and specialist lenders.

Why Choose Kesh Finance for Home Loans

  • Loan solutions tailored to your goals and circumstances
  • Access to bank, non-bank and specialist lenders
  • Options for PAYG, self-employed and more complex borrowers
  • Guidance on loan structure, features and lender options
  • Support from application through to settlement

Home Loan Solutions

Our approach is simple: understand your goals first, then help you find a lending solution that fits your circumstances and longer-term plans.

Home Loan Solutions for Different Property Goals

First Home Buyer Loans

Buying your first home can involve more than choosing a property. We can help you understand your borrowing options and structure your finance before you make your move.

  • Understand your borrowing capacity
  • Explore available loan options and features
  • Understand deposit requirements and potential government schemes
  • Structure your loan with your longer-term goals in mind
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Home loans

Refinancing & Debt Consolidation

Your current loan may no longer suit your circumstances or future plans. We can review your existing lending and explore whether refinancing could provide a more suitable structure or greater flexibility.

  • Review your current interest rate and loan features
  • Explore opportunities to reduce repayments
  • Access available equity for suitable purposes
  • Consolidate eligible debts
  • Restructure lending to better support your future plans
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Investment Property Loans

Whether you’re purchasing your first investment property or expanding an existing portfolio, the right finance structure can play an important role in supporting your property strategy and future borrowing plans.

  • Structure lending around your investment strategy
  • Consider loan features, flexibility and future borrowing plans
  • Explore suitable bank, non-bank and specialist lender options
  • Review equity and refinancing opportunities where appropriate
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Self-Employed & Low Doc Home Loans

If you’re self-employed, your income may not always fit the standard lending assessment used for PAYG borrowers. Depending on your circumstances, there may be alternative ways to verify your income and access suitable home loan options.

  • Alternative income verification options for eligible self-employed borrowers
  • Options using BAS, business bank statements or accountant declarations where accepted
  • Access to bank, non-bank and specialist lender options
  • Loan structures considered around your business, income and property goals
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Specialist Home Loan Solutions

If your circumstances don’t fit standard bank lending criteria, it doesn’t necessarily mean there isn’t a lending solution available. Different lenders assess credit history, income and financial circumstances differently, and we can explore specialist lending options based on your individual situation.

  • Options for borrowers with previous credit issues
  • Solutions for defaults, late payments or other credit challenges
  • Access to specialist and non-bank lenders
  • A lending strategy based on your current financial position and goals
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Let’s Find the Right Home Loan Solution

Whether you’re buying, refinancing or investing, the right lending solution starts with understanding your goals and circumstances.

Talk to Kesh Finance Solutions about your plans and we’ll help you explore suitable options across bank, non-bank and specialist lenders.

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Personal & Clear Guidance

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Bank, Non-Bank & Specialist Options

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Responsive Support

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Solutions Tailored to Your Goals

Frequently Asked Questions

Potentially. Refinancing may help you obtain a more competitive rate, restructure repayments, consolidate eligible debts, access available equity or position yourself for another property purchase.

However, refinancing should provide a genuine benefit after considering interest rates, fees, loan features and your longer-term plans. We can review your existing lending and compare it with suitable alternatives to determine whether refinancing makes financial sense.

If you haven’t reviewed your home loan recently, talk to us and we can assess whether there may be a better lending structure available.

Yes. Being self-employed doesn’t automatically prevent you from obtaining a home loan. While some lenders require full financial statements and tax returns, other lenders may consider alternative income verification such as BAS, business bank statements or an accountant’s declaration, subject to their lending criteria.

We work across bank, non-bank and specialist lenders and can assess which documentation and lending approach may suit your business and financial position.

If your income doesn’t fit the standard PAYG lending model, talk to us before assuming you won’t qualify.

Not meeting one bank’s lending criteria doesn’t necessarily mean there are no suitable finance options available. Different lenders have different policies for income, self-employment, existing debts, credit history, property types and other circumstances.

Kesh Finance Solutions can explore suitable options across bank, non-bank and specialist lenders and help determine whether there is a lending strategy that fits your circumstances.

If you’ve been declined by a lender—or think your situation may be difficult—talk to us before making another application.