Home Loans

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.

From scoping call to settlement varies by lender, contract type and applicant complexity. As a guide, pre-approval typically takes 1–3 weeks; full unconditional approval after contracts are signed typically takes 2–4 weeks; settlement is then on the contract date. We confirm the indicative timeline in the engagement and provide written updates at each milestone.

Yes. Self-employed and director-owner loans are a routine part of the practice — partly because we already understand how your tax returns, BAS and business financials read to a lender, and partly because we work with lenders whose policies are well-suited to ABN income. The supporting documents and lender shortlist differ from a PAYG application; we explain the differences at scoping.

For standard residential home loans, Eternity Mortgage Solutions is typically paid by the lender on settlement, not by the borrower. Our Credit Guide explains the remuneration structure and any potential conflicts of interest. For complex, commercial or specialist applications a fee-for-service arrangement may apply; if so, the fee is confirmed in writing before work starts.

Each lender applies its own income assessment, expense verification, liability treatment and serviceability buffer rate (APRA-regulated lenders apply a buffer of at least 3 percentage points above the actual rate). Two lenders can reach materially different borrowing-capacity figures for the same applicant. We model your shape against the most-likely lenders before any formal application so you avoid unnecessary credit-file enquiries.

For a productive scoping call: photo ID, recent payslips (or last two years of tax returns and Notices of Assessment if self-employed), most recent mortgage statement (if refinancing), bank statements covering the last 3 months for accounts holding your deposit and day-to-day spending, debt statements (credit cards, personal loans, car loans, HECS-HELP), and any superannuation balance information if a guarantor or SMSF arrangement may be considered.

Yes. Some borrowers come to us for lending alone and keep their existing accountant for compliance. We coordinate with your accountant on any letters or documents the lender requires. For self-employed borrowers, having both functions in the same practice means tax returns and lender-required statements are consistent without back-and-forth.

Both. Owner-occupier home loans (first home, upgrading, refinancing) are the largest category, but investment property loans are an established part of the practice — and they integrate directly with the property-investor tax page given the same practitioner is preparing the rental schedules.

The lender lends against its valuation, not the contract price, so a shortfall changes the loan-to-value ratio. The usual responses: contribute more deposit, accept lenders mortgage insurance where the revised ratio triggers it, or test another shortlisted lender whose valuer may reach a different figure. We set the options out in writing before you decide.

No. Residential settlements in NSW are completed electronically between the lender and the two sides' conveyancers, most commonly through PEXA. Your part happens beforehand: signing and returning loan documents promptly, and having any shortfall funds cleared in the nominated account before the booking.

No. Pre-approval is conditional and lapses after a period set by the lender; if circumstances shift before you buy, the application can move to a different shortlisted lender. It does register a credit-file enquiry, though — which is why we shortlist before applying anywhere.