Ready to purchase a home or investment property?

SA/NT Best Finance Broker
Best Customer Service Individual
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Are you looking to purchase your first home, new home, investment property or consolidate some debt?

SA Finance Hub will seek to understand your goals and provide you with the right solution. Many things change in the finance industry on a daily and weekly basis, so we are here to help keep you informed and provide you with the power of choice. We are committed to helping you every step of the way.

First Home Buyers


We understand that buying your first home is such an exciting time, but can also be overwhelming. That’s why we are there with you every step of the way to ensure you understand the process and are well informed. We will make buying your first home a fun and exciting time, calculate your borrowing power, and find the right loan for your needs.

Investment Properties


Looking to purchase an investment property to add to your portfolio? We are well versed in all the latest information in regards to competitive rates and which product suits your needs. Allow us to take care of your investment property finance, and reap the benefits of wealth creation through capital growth and tax benefits while you are working and building an income to support your lifestyle goals. We are happy to work with your Accountant to align with your tax strategies.

Debt Consolidation

Debt Consolidation


Are you paying high interest across several loans? We can help you to refinance and consolidate your debts into one loan. This can help to manage repayments, and give you a clearer picture of your financial future. We can help create a road map to improve your cashflow, and simplify your repayment schedule.

Construction Loans


Looking to build a new house? This can be a long and overwhelming process with combining the purchase of the land, finding a builder, making selections and finalising your build contract to get started. SA Finance Hub will be there with you every step of the way to guide you through, and process progress payments throughout the build.

Family Guarantee Loans


If you don’t have 20% deposit, do you have a family member that has offered to provide a property as additional security, to enable you to avoid having to pay Lenders Mortgage Insurance? We can facilitate this process, and meet with you and the family member willing to provide the guarantee to discuss the process.

Bridging/Relocation Loans


Would you like to purchase your new home and move in without the stress of having to sell your existing home first?  We can help facilitate this with a bridging loan.  You can move into your new home, and then prepare your old home for sale without the stress of living in it.  Would this help you achieve a higher price for your property, if you could style the home with no one living in it? Ask us how!


Self Employed Loans


Working for yourself doesn’t have to spell the end of home-buying dreams. It just means you may need to take a few extra steps in order to get a mortgage when you’re self-employed. Three key rules of thumb: “Have your tax returns up to date, show that you’re earning a profit and keep things simple.” Lenders are process driven and the lower your taxable income, the lower your borrowing capacity. Understanding your own business structure and funds flow, and being able to explain yearly fluctuations will assist with your loan application. The catch with tax returns is that it can be tempting to downplay income with banks wanting to see that a business is profitable, yet accountants and tax professionals can focus on tax minimisation. This can be a hard balance to get right. Engaging your team (Finance/Mortgage Broker and Accountant) early, if you are thinking of purchasing property is a great idea to assist with working towards your goals.

Lo Doc Loans


Tax returns not up to date? If you don’t have up-to-date tax returns, it may be possible to be considered for a low-documentation home loan, by providing evidence other than tax returns, such as business activity or bank statements.  This type of loan generally has a higher interest rate and will require a higher deposit.


Credit Impaired Loans/Specialist Loans


We know that life doesn’t always go to plan, and if this has happened to you, ask us about loan options, or some assistance with budgeting to get back on track. Let us help you change directions.

Self Managed Super Funds


Invest in property using your Superannuation. Property Investment through Self-Managed Super is a way for people to get into the property market and take control of their financial future.  You will receive the same long term benefits of capital growth to provide for your retirement and you can invest in residential or commercial property.

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How Does It Work?

1. Make An Appointment

Make an appointment with us and allow 1-1.5 hours so that we can complete the pre-analysis, and fully understand your needs and goals for the future. During the meeting we will look at your borrowing capacity, the cost of purchasing property, and the government and bank charges involved.  We will also look at some different lender options, and loan structures.

2. We Provide Options

We will then prepare a recommendation for you based on the information provided to us at the meeting and prior to. If you are happy with the recommendation, we will forward you a Credit Proposal Disclosure and the Lender Consent that you will need to sign.

3. Application Submission

We will prepare and submit your application to the lender. Once submitted, the process can take between 5-15 business days, depending on which lender it is, and what time of year (higher volume times can create longer application periods).  Your application may be for a pre-approval or a full approval if you have already signed a contract for a property, or if the loan application is for refinance of debt consolidation.

Read more kind words from clients

  • Thank you so much for your help. You are truly one of the good ones. Thank you for all you have done.


    Lyndon, SA
  • I have been in my new home for 4 weeks, and now have had time to breath and enjoy my beautiful new space – thanks to you.  I wanted to write to you to let you know how much I appreciate what you did for me to purchase under difficult circumstances.

    I wish I could let others know who are wishing to purchase a home and who have different or difficult circumstances, that I could not have done this without you.  The process flowed with efficiency and smoothness thanks to you.  Your professionalism and knowledge is without doubt exceptional.  You took the time to research and didn’t once say “this situation is too hard”.

    You kept re-assuring me along the way that you would continue to work to find a way forward to enable me to purchase the house I so desperately wanted.  Your expertise in this field I could not fault, along with your communication and emails, to continuously keep me informed of where we were at.

    I would recommend you and your company and have recommended you to friends, colleagues and family who require finance in their situations.  Thank you once again, and I look forward to working with you again in the future for my next venture!

    Heather, SA
  • “I don’t even know where to start with this woman. Mon has been a total lifesaver and legend through our first home buying experience. She has gone insanely above and beyond in every facet, she’s been personable, funny, so knowledgable all with amazing friendly and incredibly quick service. Mon performed an amazing turnaround for a quick settlement knowing exactly which lender would work for us with a great rate. It’s nice when you find “your” broker for life, we’ve definitely found ours in Mon. She’s there for you every single step of the way and nothing is too much trouble. We are so grateful!”

    Ryan, SA
  • SA Finance Hub were fantastic to deal with, they sorted out our loans in a timely and professional manner. It was a pleasure to deal with them and would highly recommend them.

    Daniel, SA
  • I would highly recommend SA Finance Hub. Monica was a pleasure to deal with, the process was quick, professional and easy. I would have no hesitation recommending this company to anyone as the results speak for themselves. 10/10 could not be happier with the service.

    Jordan, SA
  • Monica is an absolute legend. She is not an award winner for nothing. Monica’s knowledge around the (ever changing) finance world is second to none… She is polite and friendly, yet efficient and ALWAYS has her customers needs as a top priority. Being in the finance sphere myself, I have absolutely no issue recommending her to my clients as I know (for sure) that they will be very well cared for. Always give Monica a chance to help you as she DOES and WILL think outside the box, and talk to you in a language that you will understand – this is paramount in my opinion as regulations are changing daily.

    Samantha, SA
  • Can not recommend Monica Wandel enough. Extremely knowledgable, efficient and approachable.

    Karen, SA


Ready to chat about your situation in more detail?

Book a FREE 15-minute Discovery Call with SA Finance Hub and have all your questions answered by Adelaide’s premium, boutique finance brokers.