Lending solutions built around your goals, not a single product.
Every service below starts the same way: a conversation about what you're trying to achieve. From there we structure the right mix of lender, loan type and terms — and stay involved well past settlement. We specialise in self-employed and low-doc lending, and in helping clients grow wealth through both residential and commercial property.
Home Loans
Buying a home is as much about the process as the product. We work with first home buyers and owner-occupiers to understand borrowing capacity, compare loan structures across our panel, and manage the application from pre-approval through to settlement.
- Pre-approval guidance so you can shop with confidence
- Explanation of first home buyer schemes and concessions you may be eligible for
- Loan structuring around fixed, variable and split arrangements
- Support liaising with your conveyancer or solicitor through to settlement
Who this suits
First home buyers navigating the process for the first time, and owner-occupiers upgrading, downsizing or building.
Talk to us about home loans
Investment & Property Loans
Growing wealth through property is a long game, and loan structure matters as much as the property itself. We help clients build a portfolio across both residential and commercial property — from a single investment property through to multi-property portfolios — with specialised knowledge in subdivision projects, dual occupancy developments and commercial acquisitions.
- Portfolio structuring for existing and future property purchases
- Commercial property finance — offices, retail, industrial and mixed-use
- Equity release strategies to fund your next purchase
- Subdivision and staged construction finance
- Dual occupancy and complex title lending
Who this suits
Property investors building a residential or commercial portfolio, self-managed super fund trustees exploring property, and clients considering subdivision or dual occupancy projects.
Talk to us about investing
Low-Doc & Self-Employed Loans
Being self-employed shouldn't mean a harder path to finance. Around half of the business owners we work with don't fit a standard PAYG application — so structuring around business income, alternative documentation and lender-specific policy is one of our core specialties, not an afterthought.
- Full-doc applications structured around business and trust income
- Low-doc options where full financials aren't yet available
- BAS, accountant declarations and bank statement–based serviceability
- Sole traders, companies, trusts and contractors
Who this suits
Self-employed borrowers, business owners, sole traders and contractors — especially where recent tax returns don't yet reflect current income.
Talk to us about your options
Refinancing
Half of the clients we work with are refinancing an existing loan. Circumstances change — income, family, property values, goals — and a loan structure that suited you five years ago may no longer be the best fit. We review your current arrangement and manage the switch end to end.
- A full review of your current loan structure and lender
- Consolidation of existing debts where appropriate
- Coordination of the discharge and new settlement process
- Ongoing reviews so refinancing isn't a one-off event
Who this suits
Homeowners and investors whose circumstances, goals or the market have shifted since their loan was last reviewed.
Get a loan review
Asset & Business Finance
Beyond property, we source finance for vehicles, equipment, business and commercial needs — including lending through a self-managed super fund — and can connect you with trusted financial planners, accountants, settlement agents and insurance specialists where your situation calls for it.
- Vehicle and equipment finance
- Business, commercial and debtor finance
- SMSF property loans
- Referrals to our network of accountants, planners, settlement agents and insurance specialists
Who this suits
Business owners, SMSF trustees, and individuals financing a vehicle, equipment or a broader commercial need.
Ask about asset finance
More than a loan
Over a decade we've built relationships with financial planners, accountants, settlement agents, leasing and equipment providers, debt management specialists and insurance providers — so when your situation needs more than finance, we can point you to someone we trust.
Frequently asked
Does New Vision Financial Services charge borrowers a fee?
In most cases there is no direct fee to you — we're paid a commission by the lender you choose once your loan settles. Any circumstances where a fee could apply are disclosed upfront in our Credit Guide before we provide credit assistance.
How many lenders do you work with?
We have access to a panel of more than 65 lenders, spanning major banks, second-tier lenders and specialist lenders, so we can compare structures rather than being limited to one institution's products.
Can you help with subdivision or dual occupancy finance?
Yes — we have specific experience structuring finance for subdivision projects and dual occupancy properties, including staged construction lending and complex title arrangements.
Can you help self-employed clients get a home loan?
Yes — self-employed lending is one of our specialties. We structure full-doc applications around business and trust income, and can discuss low-doc options where full financials aren't yet available. See our self-employed guide and low-doc loans explained for more detail.
Do you help clients invest in commercial property, not just residential?
Yes — we structure finance for both residential and commercial property investment, including offices, retail and industrial premises, as part of a broader wealth-through-property strategy.
Do you only work with Sydney clients?
We're based in North West Sydney, in the Hills District — but around 90% of what we do is handled remotely by phone and video call, so we work with clients right across Australia. Face-to-face meetings happen, but they're the exception rather than the rule.
Not sure which service fits?
Tell us your situation in a free consultation and we'll point you in the right direction — even if that means telling you it's not the right time to borrow.