Residential Finance
Tailored home loan solutions designed around your goals.
At Nine Fincap, we understand that every borrower’s situation is unique. Whether you’re stepping into the property market for the first time, building your dream home, investing, or restructuring your finances, we provide expert guidance and access to a wide panel of lenders to secure the right solution for you.
From straightforward home loans to more complex structures involving self-employed income, SMSFs, or company and trust borrowers, our team specialises in structuring deals that others may not. We take a strategic approach—focusing not just on approval, but on long-term financial outcomes.
With a strong focus on speed, transparency, and tailored advice, we manage the entire process from application to settlement, ensuring a smooth and stress-free experience.
Whether your scenario is simple or complex, Nine Fincap delivers residential finance solutions that work for you—now and into the future.
How Can Our Team Help You to Reach Your Goals
First Home Buyer Loans
Helping you take your first step into the property market with confidence.
- Access to competitive rates and flexible lending options
- Guidance on government grants and stamp duty concessions
- Low deposit solutions available (subject to eligibility)
- End-to-end support from application to settlement
Owner Occupied Home Loans
Flexible home loan solutions tailored for your primary residence.
- Fixed, variable, and split loan options
- Offset accounts and redraw facilities
- Refinance options to reduce repayments or improve structure
- Suitable for upgrades, downsizing, or restructuring
Investment Property Loans
Build and grow your property portfolio with strategic lending.
- Interest-only and principal & interest options
- Structuring for tax efficiency and long-term growth
- Equity release for further investments
- Suitable for individual, company, and trust borrowers
Refinancing & Equity Release
Unlock better rates or access equity to achieve your financial goals.
- Lower your interest rate and monthly repayments
- Consolidate debts into one manageable loan
- Access equity for renovations, investments, or business use
- Restructure loans for improved cash flow
Construction Loans
Funding solutions designed to support your build from start to finish.
- Progressive drawdowns aligned with construction stages
- Interest-only repayments during the build phase
- Suitable for owner-builders and registered builders
- Land + construction package options available
Low Doc Home Loans
Flexible solutions for self-employed and non-traditional income earners.
- Alternative income verification options
- Suitable for ABN holders and small business owners
- Competitive rates with flexible lending criteria
- Fast approvals for eligible applicants
SMSF Residential Lending
Invest in property through your Self-Managed Super Fund.
- Lending solutions compliant with SMSF regulations
- Support with structuring and lender selection
- Suitable for residential investment properties only
- Assistance with documentation and approval process
Company / Trust Borrower
Specialised lending for complex ownership structures.
- Loans structured under company or trust entities
- Tailored solutions for asset protection and tax planning
- Suitable for investors and business owners
- Access to lenders with flexible policy frameworks