Residential Loans
Buying a home is one of life’s biggest milestones—and the right loan can make all the difference. HS Finance provides tailored residential loan solutions designed to help you purchase, upgrade, or invest in property with confidence.
Our team compares lenders, structures your loan around your goals, and guides you through the entire process so your journey to home ownership is smooth and stress-free.
Understanding Residential Loans
Residential loans are designed to help individuals and families purchase or refinance property. While the concept may seem straightforward, loan structures, repayment terms, and lender features can vary widely.
At HS Finance, we take the time to explain your options in plain language. From interest rate types to repayment flexibility and loan features, our goal is to ensure you fully understand how your loan works—so you can make informed decisions that suit your lifestyle and budget.
Why Choose HS Finance
- Access to a wide network of lenders
- Competitive rates and flexible structures
- Personalised loan recommendations
- Clear, transparent guidance
- Support from application to settlement
Fully-Featured Mortgage Loans
At HS Finance, we believe in keeping things clear, simple, and transparent.
Our goal is to deliver all the benefits you’d expect from a major bank, while offering competitive interest rates and minimal fees to better support our customers.
Home loan
Purchase or refinance a property for your own home or an investment
Construction Loan
Short-term loan that provides the funds to build a residential property
Bridging Loan
Consider Yard's bridging loan if you need to buy before going through the process of selling an existing property
SMSF Loan
Purchase or refinance a residential and commercial property through your Self-Managed Super Fund (SMSF)
Asset and equipment finance
Asset and equipment finance for smarter business growth
Personal loans
Flexible personal loans tailored to your goals and budget needs
Refinancing solutions
Smart refinancing solutions to improve cash flow flexibility
Commercial loans
Commercial loans designed to support business growth and investment
Support for Every Stage of Home Ownership
No two borrowers are alike. That’s why HS Finance works with a wide range of clients, including:
- First home buyers entering the market
- Homeowners upgrading or downsizing
- Property investors building portfolios
- Self-employed borrowers with complex income structures
- Families looking to refinance existing loans
Each situation comes with unique considerations. Our role is to tailor your loan strategy to reflect your financial position, future goals, and comfort level.
Benefits of Working with HS Finance
Choosing HS Finance means working with specialists who prioritise your interests. We provide:- Access to a diverse panel of lenders
- Tailored loan recommendations
- Transparent explanations of costs and features
- Simplified paperwork handling
- Ongoing support beyond settlement
Types of Residential Loans We Arrange
HS Finance offers access to a broad selection of residential lending solutions, including:
- Owner-Occupied Loans: Designed for buyers purchasing a home to live in, with competitive rates and flexible features.
- Investment Property Loans: Structured to support rental income and long-term wealth building.
- Fixed Rate Loans: Provide repayment certainty by locking in interest rates for a set period.
- Variable Rate Loans: Offer flexibility and potential savings if rates change.
- Construction Loans: Release funds in stages as your home is built, helping manage cash flow.
- Refinance Solutions: Allow you to switch lenders or loan structures to better suit changing needs.
- Equity Access Loans: Enable homeowners to leverage built-up equity for renovations or investments.