Home loans, arranged by Siare.

Loans to individuals for a home or investment property are regulated consumer credit. Residential and investment home loans are arranged by Siare as an authorised credit representative under Connective's Australian Credit Licence 389328.

Home loans

Regulated lending, arranged under our own credit licence.

A loan to an individual to buy, build, renovate or refinance a home — whether you will live in it or hold it as an investment — is regulated consumer credit under Australian law. It is assessed differently from a business or development facility, with its own disclosure, responsible-lending and licensing requirements.

Siare provides consumer credit assistance for this kind of lending directly, as an authorised credit representative under Connective’s Australian Credit Licence. When we provide credit assistance we must act in your best interests, and you’ll receive our Credit Guide before we do. Any fee payable by you is disclosed in writing before you proceed, and approval is always the lender’s decision.

What we arrange

The situations we handle.

01

Buying a home

A first home, an upgrade, or a purchase for owner-occupation, worked through from an initial conversation to settlement.
02

Investment property

Purchasing or refinancing a rental property, including how it sits alongside other lending you may already hold.
03

Refinancing

Moving an existing home or investment loan, consolidating, or restructuring as your circumstances change.
04

Building your own home

Construction lending for an individual building a home, including owner-builder and knockdown-rebuild scenarios where relevant.
How it works

What happens after you ask.

01

You tell us what you're trying to do

Buy, build, renovate or refinance, and roughly where things stand.
02

We compare your options

We look at your situation and compare options from lenders on our panel.
03

We manage it through to settlement

We recommend a loan and explain why, then manage your application through to settlement — approval is always the lender’s decision.
Getting started

What's useful to have ready.

01
Identification and proof of income — payslips, tax returns or financial statements, depending on how you're paid.
02
Details of savings, other assets, and any existing debts.
03
If you are buying: the property details, or the kind of property you are looking for.
04
If you are refinancing: your current loan statements and lender details.
05
If you are building: your builder and contract details, once you have them.
One team

The same team that arranges development and business finance.

Siare arranges and structures finance for developers, investors and business borrowers — unregulated, business- and investment-purpose credit, and it is where our expertise is. Regulated consumer lending, like a home loan, is a different regime with its own disclosure and licensing requirements — and it’s the same team at Siare that arranges it, as an authorised credit representative under Connective’s Australian Credit Licence.
Questions

What people usually ask.

Is this the same as Siare's development or business finance?

No. This page is only about home loans for individuals, which is regulated consumer credit. Siare's own arranging work covers business- and investment-purpose finance for developers and companies — if that's what you need, see borrow.

Will I be guaranteed approval?

No one can guarantee that. Approval is always the lender’s decision — we’ll assess your situation, compare options from lenders on our panel, and work through them with you.

Does Siare charge for arranging my home loan?

Arranging your loan doesn’t cost you anything directly — like most brokers, we’re usually paid by the lender when your loan settles. If any fee is payable by you, we’ll disclose it in writing before you proceed.

What if I also need finance for a development or business purpose?

Siare can arrange that directly too — see borrow — using the same team that arranges your home loan.
Get in touch

Talk to us about a home loan.

Tell us what you’re trying to do — buy, build, renovate or refinance — and we’ll compare your options and manage your application through to settlement.

Talk to us about a home loanBusiness or development finance instead

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. It is not financial, credit, legal or tax advice, and it is not an offer or approval of finance — all lending is subject to the lender’s assessment and approval criteria. Siare’s consumer credit services are provided by Site Solutions (VIC) Pty Ltd (ABN 89 640 891 238), Australian Credit Representative Number 526276, authorised by Connective Credit Services Pty Ltd (ABN 51 143 651 496), Australian Credit Licence 389328. Obtain your own independent legal, financial and tax advice before entering into any credit contract.