SERVICES
Home Loans and Finance
Buy Your First Home
Step into the dream of homeownership with confidence.
At Option, we specialise in assisting first home buyers navigate the complex world of home loans. Our extensive network includes all major banks and numerous other lenders, ensuring you get the perfect loan to match your first home purchase.
Let us guide you to the best deals and rates, making your first home a reality in Australia.
Refinance Your Home
Maximise your home’s financial potential with our expert refinancing services.
Our lending specialists at Option work tirelessly to negotiate better rates with over 30+ lenders, ensuring you get a more favourable deal on your existing home loan.
Whether it’s to lower your monthly repayments, tap into home equity, or change loan terms, we’re here to secure the best refinancing options for you
Invest in Property
Expand your investment portfolio with our tailored property investment loan services.
At Option, we understand the nuances of property investment and offer access to a wide range of lenders, including major banks and specialised financial institutions.
Our team is committed to finding you competitive rates and terms, potentially even below many advertised rates, to help your investment thrive in Australia.
Take the first step
Contact Option now for tailored home, investment, or refinancing loan solutions.”We provide expert financial guidance to Home Owners, First time Home Buyers and Property Investors.
With over 28 years experience we’ll ensure that you’re always getting the best assistance from one of the most professional companies in the industry.
How We Work
We will meet you at a time and place that suits you. As soon as you contact us or book an appointment, one of our lending specialists will be into touch. We aim to take the stress out of your application and keep the process as simple as we can.
Meet us
We need to meet you to make sure we understand your unique circumstances. Only then, can we recommend a specific loan product that meets YOUR needs. And by finding the ideal loan product, we can potentially save you hundreds of thousands of dollars over the life of your loan.
Applying for the loan
Once you’ve selected your lender, we’ll help you prepare the application and guide you through the various forms we need from you. Usually, this process only takes 24-48 hours.
Conditional approval
The lender now provides conditional approval and begins their process of organising valuations on the property and a credit check. We remain in constant contact with the lender to make sure everything is going to plan and keep you informed as we receive information from them. At this stage, we can also help you with organising any building and pest inspections.
Unconditional approval
This is the big one. This is where your loan is fully approved, meaning, the bank formally approves your loan and the funds are available for you to purchase the property and settle.
Loan documentation
We’ll organize a time to meet you and go through all of the loan documents with you to make sure it’s all filled out correctly. Much of this we can do ourselves to save you the time and hassle.
Settlement
Your solicitor will organise the settlement directly with the lender. Once this is complete, the property is YOURS!