Building Wealth Through Property with Sunstate Financial

Whether you’re a first-home buyer, property investor, looking to refinance, self-employed, or in need of specialised financial solutions such as low doc, expat, SMSF, or commercial finance, our experienced team of mortgage and finance brokers is dedicated to understanding your goals and tailoring a plan to get you there.

Mortgage Brokers With A Difference

Service

Other Brokers / Banks

One of Australia’s largest and most diverse lending panels
Sunstate
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Streamlined six-step lending process
Banks
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Provide updates as your application progresses
Sunstate
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Coordinate with all necessary parties to ensure a smooth experience
Sunstate
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Provide property reports to help with your decision making
Sunstate
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Work with employed and self-employed clients
Sunstate
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Loan options for alt doc, SMSF, expats, first home buyers and commercial clients
Sunstate
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Complimentary annual review
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Client for life program
Sunstate
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Real people that care
Sunstate
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Our Lenders

Testimonials

“An amazing service from a team who genuinely care about your situation and results. Jared and the team looked after all our loan needs and were amazing.”

Edward & Rebecca Elanora

“Jared Engwirda is the absolute professional, a pleasure to deal with, you can expect an exceptional experience. Jared thanks for making our dreams come true. We will undoubtedly use your services in the future and highly recommend your expertise.”

Lisa & Simon Robina

“Recently got a loan with Jared from Sunstate Financial. Thanks so much for going above and beyond in securing my loan in such a short timeframe. Not only did you calm my nerves but you were always available helpful and professional at all times even when I was a nervous mess. Highly recommend you to anyone. I am interstate and found dealing with you easier than my local reps. Will be back if I ever need anything again and can’t say thanks and recommend you enough. Happy with my home and loan!  Great job Jared and Sunstate Financial.”

Melissa Melbourne
“Got us a great mortgage! Jared is tenacious, dedicated and an all-round great bloke to deal with!”
Chris & Michelle Dubai

Frequently Asked Questions

Sunstate Financial caters to clients seeking home and investment loans, as well as commercial property finance.

We have a six-step application process for clients either purchasing or refinancing property. You will be asked to provide documents to verify your identity, income, expenses, liabilities as well as details of the property you are seeking a loan for.

Yes, we assist with pre-approvals which offer advantages such as improved negotiating power when making offers on property, understanding your borrowing capacity, and knowing your repayment estimates.

Yes, we can refinance existing loans. We often do this for people looking to improve their rate, loan structure or wanting to access equity from their property which could be used for further investment, renovations or debt consolidation.

Approval times vary based on your situation and the chosen mortgage or finance type. We’ll provide an estimated approval timeline after our initial review.

Generally, a 5% of the value is considered the minimum for owner-occupied purchases. We’ll guide you through additional costs and explore options, including guarantor loans.

Absolutely, we’ll assist you in identifying eligible government grants, including the First Home Owners Grant and First Home Guarantee, we’ll also help with the application process.

Repayments are made via direct debit, and you can choose to make additional payments. Variable rate loans usually allow unlimited extra repayments, while certain fixed-rate loans may have limits during the fixed term.

Our diverse lending panel accommodates borrowers with various credit scores. If your credit has been affected from past events, we’ll guide you through the options available to you.

While our focus is on residential and commercial property finance, we have an extensive network of professional contacts in law, conveyancing, accounting, insurance, and financial planning. If needed, we can recommend reliable experts from our network.