Property Finance
Whether you’re buying your first home, investing, or building, we’ll help you secure the right finance with confidence. Tailored advice, access to 60+ lenders, and support every step of the way.
Property Finance Made Simple
Whether you’re buying your first home, refinancing, building, or investing, we’ll help you navigate the loan process with clarity and confidence. With access to 60+ lenders, honest advice, and ongoing support, we’re here to help you move forward.
First Home Buyers
Buying Your First Home? We’ve Got You.
We simplify the process so you can buy with confidence, not confusion.
- You may not need a 20% deposit—some lenders accept as little as 5%
- You might be eligible for grants and stamp duty support
- We help you plan for upfront costs like legal fees and inspections
- We handle the paperwork so you can focus on finding your new home
- We tailor loan options to your long-term goals
Refinancing
Thinking About Refinancing?
Your home loan should evolve with your needs. We’ll help you explore smarter ways to make your mortgage work harder.
Why People Refinance:
- Lower repayments
- Access home equity
- Switch to flexible features
- Avoid rate jumps after fixed periods
How We Help (4-step process):
- Review your current loan
- Compare options from 60+ lenders
- Explain the costs and benefits
- Handle the process start to finish
SMSF Property Loans
Investing Through Super? We’ll Guide You.
SMSF loans can be powerful wealth tools—but they come with rules. We simplify the process and connect you with the right lenders.
- Property must be investment-only
- Higher costs and stricter compliance apply
- Requires a separate trust structure
- We work with your financial adviser/accountant
Bridging, Construction & Short-Term Loans
Smart Lending When Timing Matters
When you need flexibility—whether buying before selling, building, or bridging a gap—we help you act with confidence.
Loan Types:
- Bridging Loans – Buy now, sell later
- Construction Loans – Funds released in stages as you build
- Short-Term Loans – Fast access to finance for urgent needs
Key Support:
- Advice on rates and terms
- Access to major and non-bank lenders
- Help with applications and approvals
Important Note This information is general in nature and does not constitute financial advice. Please seek professional advice before acting on any information related to your financial circumstances.
Choice of over 60 lenders
Why Choose Pacific Horizon Finance
Honest Advice, Tailored to Your Goals
We take the time to understand your situation so we can offer guidance that’s right for you—not a one-size-fits-all approach.
Access to 60+ Lenders
More choice means more flexibility. With access to a wide panel of banks, credit unions, and non-bank lenders, we’ll match you with a solution that fits your needs.
Clear, Responsive Support Throughout
You’ll never be left wondering what’s next. From your first chat through to settlement and beyond, we keep you informed and supported.
Every Loan Gives Back
We believe finance should make a difference. That’s why 3% of our annual profits go to charities supporting health, safety, and opportunity across Australia.
Plan with Confidence
Use our easy calculators to estimate your repayments, borrowing power, and more—so you can move forward with clarity.
Got Questions About Finance? We’re Here to Help.
Securing a home or business loan is a big step — and it’s completely normal to have questions, whether you’re just starting out or looking for clarity on something specific. We’re here to guide you with honest, expert advice — and if we don’t have the answer right away, we’ll do our best to find it. No question is too small.
Completely confident through the whole process.
“Jack brought a level of thought and discretion that I really valued. He worked closely with my accountant to get the loan structure right, and there was no pushiness or upselling — just sound advice tailored to my situation. I felt completely confident through the whole process. Even small details, like timing settlements with other transactions, were handled with care”
J.T, South Yarra, VIC