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.

Choosing the right home loan is a vital part of the home-owning process. Whether new to home buying or considering ways to lower your current mortgage by switching lenders, our team can empower you with the necessary knowledge to help you make the best financial decision. Call 1300 878 989 to speak with our team.

We work closely with a number of different lenders, giving us a variety of options and thus, providing you with the best possible choice.

 

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.

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  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!

  • Thank you Raphael and Michael G from Option, your team was so helpful. My partner and I now have a nest egg for retirement all set up with renters. I didn’t think this was possible for me, but it’s happened!!

    Zoé O Avatar Zoé O
    01/18/2024

    Exceptional service and an awesome team behind Option Wealth!

    Jason Almine Avatar Jason Almine
    06/18/2023

    Paul, Cass and Arzu are brilliant. They helped me in securing our property. They were always working for our best interest. We had our thoughest trial when we were almost at the end and thats were the true grits of this company came out. Arzu put on her big girl pants and took over to drive us to the end. This company is highly recommended. Thank you guys. Until next time.

    rex woo Avatar rex woo
    01/18/2022

    Option Wealth is an exceptional business , filled with support , goal creation and great knowledgeable people making dreams come true. I was so happy to invest with them. Call centre is filled with the most diverse and fantastic people all with lots to offer from all different walks of life.

    Robbie Merritt Avatar Robbie Merritt
    01/18/2022
  • A BIG thank you to the wonderful team at Option Wealth Solutions especially to Raphael, Rebecca and Arzu who are all wonderful professionals and have helped us from start to finish. Raphael has been helpful in giving us the information we needed in making the right decision to choose the property and has always been very friendly and easy to deal with. Rebecca has always been great in everything and is always ready to answer any questions and journey with us through the whole process. We really felt that she has always worked on what is best for us, even going above and beyond. Arzu has been great in keeping us updated with the progress of the construction. 2 weeks before the final handover, Arzu referred us to a local real estate agent who was able to immediately find us tenants. Our tenants were able to move in straight away without any issues. This is our 3rd investment property in a span of 4 years. Something we never imagined we can do. I would highly recommend this company. They are genuine professionals who are passionate in what they do and are always there to help and support. Will definitely continue to work with them as we build our portfolio.

    Bernadette Reyes Avatar Bernadette Reyes
    01/21/2021

    Option Wealth are a really great team to deal with, putting us at ease from start to finish. No question goes unanswered, no call not returned. Thank you Raphael, Rebecca and Simon for everything up front, and then Arzu thank you for your amazing support throughout the builds. We could not do any of this without you all !

    janelle briscoe Avatar janelle briscoe
    01/18/2021

    What a great team from start to finish. The meeting at home gave us a lot to think about, then we decided to proceed to the next step and meeting Raphael in the city. Raphael was personable and so informed about every aspect so we felt straight away our best interests were at the forefront. Then dealing with Cassandra for all the financial stuff was just so easy, she took care and detail of every step. Arzu then took over and she was nothing short of amazing. The info provided through the whole process, making sure we were aware of every step. We now have Kate doing our property management and the house was rented so quickly, she has been great to deal with. Highly recommend anyone looking at getting an investment property to deal with Option Wealth.

    Amy Gameiro Avatar Amy Gameiro
    01/18/2021

    Very happy with Bec and Raph - can’t fault their step by step assistance - and guidance through the whole process. Will be definitely using this company in the future - when we look to expand our portfolio. Highly recommended to anyone with a view to future proof their investments and super!

    Darren Walters Avatar Darren Walters
    01/18/2021
  • I have been dealing with Option now for a few years and I must say that the whole team has been outstanding in every way from start to finish. I personally could not recommend Option Wealth any higher, they have helped me now with 2 properties & on both occasions the process has run so smoothly, I can’t believe how easy the whole team has made it seem.

    Paul Sterio Avatar Paul Sterio
    01/18/2021

    Very professional and high level of service in the products they offer. Would recommend people to use Option Wealth.

    julie mcgrath Avatar julie mcgrath
    01/18/2021

    It is evident that everyone has exceptional knowledge within the industry. The service that has been provided to me has been nothing but professional and positive. I feel comfortable dealing with Option Wealth Solutions and recommend them to anyone.

    Mariam Ghafoor Avatar Mariam Ghafoor
    01/18/2021

    Great experience with this company! Had a meeting scheduled and at every step they were nothing short of accomodating. Very professional and delivered on every promise! HIGHLY RECOMMEND!!

    Chanel Tiaiti Avatar Chanel Tiaiti
    01/18/2021
  • The team at Option truly went above and beyond to make sure I got the right deal for me. Exceptional service and communication throughout made me feel very comfortable.

    john john Avatar john john
    01/18/2018