Eternity Group

Finance — Home loans

Home Loans

Residential home loans arranged through a broad panel of Australian lenders by a Credit Representative working alongside a Chartered Accountant. First home, upgrading, refinancing and investment property pathways, scoped together with your tax position where relevant.

Book a Home Loan Scoping CallSee Our Process
  • First home
  • Upgrading
  • Refinancing
  • Investment loans
  • PAYG + self-employed

Mr Rohan Manokaran (Credit Representative 565110) is authorised under Australian Credit Licence 561324 held by Loans Only Pty Ltd. Information on this page is general in nature and does not take into account your objectives, financial situation or needs. Credit eligibility, lender criteria, fees and charges apply.

Pathways

Four common home-loan situations.

Most home-loan applications fall into one of four pathways. Each has its own documentation rhythm, lender shortlist and timing — and each integrates differently with the tax side of the practice.

First home

FHOG · stamp duty concession · genuine savings

First-home buyer applications carry specific state and federal concessions that can change the deposit math — First Home Owner Grant (where eligible), state stamp duty concessions, and federal guarantee schemes (subject to eligibility caps and place availability each year).

Upgrading

Sell first · buy first · bridging

Moving to a larger or different home introduces sequencing questions: sell first and rent in between, buy first and bridge, or settle on the same day. Each path has its own cash flow and risk profile; the answer depends on the local market and your circumstances.

Refinancing

Rate review · structure review · equity release

Refinancing is sometimes about repricing and sometimes about restructuring — splitting between fixed and variable, releasing equity, consolidating debt, or moving an investment loan onto interest-only. The Refinancing page covers this in detail.

Investment property

Loan structure · purpose · serviceability

Investment loans interact with the tax side of the practice in a way that owner-occupier loans do not. Loan purpose clarity, interest deductibility context (general, not personal advice), offset vs redraw positioning and serviceability all sit at this intersection.

How the engagement runs

Document-led, lender-aware, written down at each step.

A residential home-loan engagement runs in a predictable sequence. You always know what we are doing, what the lender needs next and when each milestone is expected.

Scoping & documents

Initial call covers what you are trying to do, your income shape, deposit position, existing facilities and target property. We send a document checklist and confirm the engagement scope.

Borrowing capacity & shortlist

We model serviceability against the most-likely lenders for your shape. The shortlist is documented with the policy reasons. You see why a specific lender is being recommended before any credit-file enquiry.

Pre-approval

Where pre-approval makes sense, we submit a formal application to a shortlisted lender. Lenders apply their own credit and policy assessment. Pre-approval is conditional and subject to property valuation.

Property & full application

Once you have a property, the application moves to full approval — full valuation, employment verification, contract review and final credit assessment.

Unconditional approval

Lender issues unconditional approval. Loan documents are sent to your solicitor or conveyancer for settlement coordination. Insurance arrangements confirmed.

Settlement

Settlement on the contract date through the lender, solicitor and the discharging party. Post-settlement loan administration handed over to the lender; we remain available for any post-settlement questions.

Suited to

Borrowers we typically arrange home loans for.

PAYG owner-occupiers

Single or dual-income households buying a first home or upgrading. Often combined with the family tax return so income figures and any salary-packaging items are reconciled to the lender's expectations.

Self-employed borrowers

Sole traders, contractors and Pty Ltd directors whose income reads off tax returns, BAS and business financials. Lender shortlisting is materially different from a PAYG application.

Established refinancers

Existing borrowers reviewing their position — rate, structure, term, fixed-vs-variable mix or moving to a new product. See the Refinancing page for the detailed treatment.

Property investors

Owners adding to a small portfolio across Sydney, NSW and interstate. Loan structure, deductibility context and offset positioning all sit at the intersection with the tax side of the practice.

Frequently asked questions

Home loans — common questions.

Eternity Mortgage Solutions arranges loans through a broad panel of Australian residential lenders — major banks, second-tier banks, mutuals and non-bank lenders. The right lender for any given application is the one whose policy fits the borrower's income shape, deposit, credit conduct and target product, not the lender with the most attractive headline rate. The lender panel and our remuneration model are documented in the Credit Guide and Credit Proposal Disclosure document, provided in writing before any loan application is submitted.

How we are paid

How we are paid: Eternity Mortgage Solutions typically receives commissions from the lender for loans arranged on your behalf. A full explanation of how we are paid, our lender panel and any potential conflicts of interest is provided in our Credit Guide and Credit Proposal Disclosure document, available on request before any loan application is submitted.

Related

Where this fits in the bigger picture

A home loan is one part of the picture. Pre-approval, refinancing, the self-employed pathway and the One Roof engagement model all connect.