Business Details
26 Years
experience
Your Trusted Mortgage Broker in Niddrie, Melbourne
Lifestyle Loans has been dedicated to providing tailored financial solutions since 2000, helping clients achieve their goals through home loans, refinancing, investment financing, and vehicle loans. Based in Niddrie, we serve clients nationwide with a focus on Melbourne and Victoria, combining local market expertise with a national reach. Our team prioritizes personalized service, ensuring clients receive customized loan products without the delays often associated with traditional banking institutions. With over two decades of experience, we have settled more than $1 billion in loans, demonstrating our commitment to simplifying property and asset financing. Our extensive network of lenders allows us to secure competitive rates and innovative financial products tailored to individual needs.We pride ourselves on building long-term client relationships through transparency, professionalism, and a deep understanding of the financial landscape. Our founders legacy of integrity and client-centric service continues to guide our operations, ensuring every client receives the highest standard of care. By staying attuned to evolving market conditions, we empower clients to make informed decisions that align with their financial aspirations. Our dedication to excellence has earned us a reputation as a trusted mortgage broker, with testimonials highlighting our ability to deliver stress-free, efficient service. Whether purchasing a first home, refinancing, or investing in property, Lifestyle Loans remains committed to helping clients borrow better.
Services
Home Loans
Asset Finance
Commercial Loans
Car Loans
Equipment Finance
Construction Loans
SMSF Loans
Investment Loans
Refinance
First Home Buyer Loans
Details
- Year established: 2000
Highlights and features
- We have settled over $1 billion in loans, demonstrating our extensive experience.
- Our team offers personalized service with a focus on long-term client relationships.
- We access competitive rates through an extensive network of lenders.
- We provide tailored financial solutions for home, investment, and vehicle loans.
- Our founders legacy ensures a commitment to integrity and client-centric service.
What people say
Stress-free and straightforward
Impeccable service
Seamless refinance
Exemplary services
Highly recommend
Services
Home Loans
Lifestyle Loans provides tailored home loan solutions for first-time buyers, property upgraders, and investors. Our team simplifies the application process, offering competitive rates and access to an extensive lender network. With expertise in Melbourne and Victorian markets, we ensure clients secure loans aligned with their financial goals.
Refinance
We specialize in refinancing solutions to help clients reduce interest rates, access equity, or consolidate debt. Our specialists conduct free loan health checks to identify better financial products, ensuring clients achieve long-term savings and improved loan terms tailored to their circumstances.
Investment Loans
Our investment loan services focus on building wealth through real estate. We guide clients in leveraging equity, accessing tax benefits, and securing competitive rates for residential or commercial properties. Tailored advice ensures investors maximize returns while navigating market complexities with confidence.
Car Loans
Lifestyle Loans offers customized car financing solutions for individuals and businesses. By accessing a panel of lenders, we secure competitive rates without hidden fees. Our specialists ensure clients find loan terms that align with their budget and vehicle purchase requirements.
Commercial Loans
We provide commercial loan solutions for businesses seeking property or equipment financing. Our expertise includes SMSF loans and asset finance, with tailored terms to support growth. Clients benefit from competitive rates and a streamlined approval process through our lender partnerships.
People
Frank Sauro
Founder
Frank Sauro founded Lifestyle Loans in 2000 after a successful real estate career. His dedication to client relationships and property finance shaped the company's values. He passed in November 2023, leaving a legacy of integrity and excellence.
Michael Sauro
Lending Specialist
Michael Sauro is a lending specialist known for simplifying loan processes and securing competitive rates. His client-focused approach ensures personalized service, with expertise in first-home buyer solutions and refinancing strategies.
Stephen Piltz
Lending Specialist
Stephen Piltz has assisted clients with property purchases for years, offering knowledgeable guidance and efficient service. His expertise in navigating tight deadlines and securing optimal loan terms has earned consistent client recommendations.
Steve Stewart
Lending Specialist
Steve Stewart provides tailored financial solutions, focusing on competitive rates and client education. His approach ensures clients understand loan options while achieving their property or investment goals efficiently.
Maria Sauro
Operations Manager
Maria Sauro oversees operations, ensuring seamless service delivery. Her role involves coordinating loan processes and supporting the team to maintain Lifestyle Loans' standards of professionalism and client satisfaction.
Questions
What deposit is required for a first home?
A minimum 5% deposit is typically required, with 20% recommended to avoid Lenders Mortgage Insurance. Schemes like the First Home Guarantee allow 5% deposits without LMI.
How much can I borrow?
Borrowing amounts depend on income, expenses, credit score, and lender criteria. Use our online form to estimate your borrowing capacity based on your financial profile.
What government incentives are available?
Incentives include the First Home Owner Grant ($10,000 for new homes), Home Guarantee Scheme (5% deposits), and Victorian stamp duty exemptions for homes under $600,000.
What is pre-approval?
Pre-approval assesses your financial situation to determine your borrowing limit. It involves credit checks and income verification, giving you clarity on your home purchase budget.
Can I use equity for refinancing?
Yes, equity can be accessed via refinancing for home improvements, debt consolidation, or investments. Lenders typically allow borrowing up to 80% of your property's value.
What are the benefits of refinancing?
Refinancing can lower interest rates, reduce repayments, consolidate debt, or access equity. A free loan health check identifies if your current loan remains the best option.
