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HOME LOANS
Home & Investment Loans Specialists
We’ll help you get it right, keeping it simple without the stress.
A better deal might be only a few steps away
Buying or investing in property is one of the most important financial decisions you’ll ever make, so why trust it too just anyone?
Too often, we see borrowers end up with loans that don’t align with their goals, or told they have a limited borrowing capacity, or worse they have little understanding of how the structure of their loan can affect future plans. We believe the right foundation that’s built with intention, is key to achieving long-term sustainable success.
At Daoud Finance, we take the time to understand what matters most to you. We don’t just find you a great deal, we listen, help you navigate the vast landscape of loan options, explaining the features and benefits so your decisions are not only informed but structured to support your goals today and well into the future.
Home & Investment Loans Services
Home Loans
We Put You First
Too often, people end up with loans that don’t truly fit their needs or worse can find it impossible to escape from. Some are told their borrowing capacity is limited. Others go directly to their bank or a broker with limited access to only a few lenders, meaning they’re offered just a fraction of what’s possible. That’s why we work with over 75 lenders and hundreds of loan products, so your options are wide open.
We speak to homeowners who feel trapped by their loan structure or don’t fully understand how it’s affecting their borrowing potential. For example, new home buyers with small deposits often have high loan-to-value ratio (LVR) loans, which can take years to build enough equity to access a better deal or refinance. Even more concerning, many aren’t sure if their loan structure is right for them.
Our approach is different. We explain all options in plain English, help you weigh the benefits and trade-offs, and guide decisions that fit your goals. We listen first, explain clearly, and handle the entire application process from lodgement to settlement, no pressure, no stress.
First Home Buyers
Feeling overwhelmed Buying Your First Home?
We’ll help you understand not just what loans are available, but what loan is truly right for you.
With so many options out there, it’s no wonder. Buying your first home is a huge milestone, and for many, a challenging one. Government schemes like the First Home Guarantee and Family Home Guarantee can make it possible to enter the market with as little as a 2–5 % deposit. If you have no savings and family are willing to offer their home as a guarantee, you may not need a deposit at all, which sounds exciting. However, borrowing with a small deposit often means a high loan-to-value ratio (LVR). Generally, loans above 80 % LVR usually attract lenders mortgage insurance (LMI) or higher interest rates, which can increase costs over time and make refinancing more difficult.
Many first home buyers we speak with end up in loan structures that limit their options because they weren’t shown all their loan options to minimise long-term costs. That’s where our experience and access to a wide panel of lenders make a difference. We explore every opportunity, from Government Guarantees, Family Guarantor options, low-deposit products, and lender-specific solutions, to help find the right solution for your situation.
Investment Property Loans
Investing in Property, Building Wealth with Confidence
Investing in property is one of the most effective ways to build long-term wealth but only when the lending strategy truly supports your goals. Many investors have questions around how to use equity, structure loans correctly, and grow their portfolio without unnecessary risk or complexity.
For example, Interest-only loans can improve cash flow in the early years, but affordability is only one part of the equation. When repayments revert to principal and interest, cash flow changes, and if the loan structure isn’t right, equity growth and flexibility can be impacted.
Another common issue we see is investors being placed into cross-collateralised loans, where multiple properties are tied together under one security. While this can seem convenient upfront, it often limits control later, making it harder to refinance, release equity, or sell individual properties. Well-structured standalone loans generally provide clearer access to equity and greater flexibility as your portfolio grows.
When trusts or SMSF strategies are appropriate, we work alongside your accountant and financial planner to assess suitability, ensure compliance, and align with your long-term goals.
Our role is simple, we explain your options clearly, save you time, protect flexibility, and maximise your borrowing potential, so your portfolio grows with confidence.
You won’t just know what’s possible, you’ll understand why it’s right for you and your long-term goals.
Refinancing & Debt Consolidation
Does Your Loan Still Stack Up?
We help you understand the power of equity and refinancing strategies that are truly right for you.
Refinancing isn’t just about saving a few dollars, it’s about making sure your home loan continues to work as hard as you do. Many borrowers stay with the same bank year after year, unknowingly paying what’s often called the “Loyalty Tax.” Did you know that Lenders frequently offer their best rates only to new customers, and unless you ask, they won’t review or improve your rate automatically. We see far too often, clients end up paying more without realising a better deal is available.
Refinancing is also a chance to create opportunities beyond interest savings. You can consolidate debts, access your equity to invest, renovate, or strategically prepare for life changes, using your home loan to support your long-term goals.
As part of our ongoing commitment, we conduct annual loan reviews, monitor the market, negotiate the best discounts with current lenders, and notify you whenever a smarter option is available.
Construction & Renovation Loans
Ready to Build, Expand, or Renovate but Not Sure Where to Start?
You’ve built a life you’re proud of. Whether you’re considering renovating to suit your growing family, updating that tired or dated home or just building your dream home on a vacant block, construction is a very exciting stage but it can also feel overwhelming. Construction and renovation finance works very differently to a standard home loan, and there are some pitfalls even seasoned borrowers may not see coming.
Funds for builds and renovations are usually released in stages, aligned with construction milestones, and you generally only pay interest on the amount drawn down at each stage. This helps manage cash flow while building, especially when you’re juggling existing mortgage or covering rent while building.
Construction projects often come with challenges. Accurate budgeting, preparing documentation, coordinating council approvals, and aligning lender requirements with your builder’s schedule all take time and expertise. Without careful management, missteps can lead to delays, stalled progress payments, valuation issues, or unexpected variation costs.
That’s when having us in your corner makes all the difference. We don’t just arrange the loan, valuations and application, we manage the entire process from start to finish, overseeing each stage to ensure your project stays on track, on budget, and aligned with your goals.
TESTIMONIALS
What our clients say
FAQs
Frequently asked Questions
What is a mortgage broker?
A mortgage broker is your personal guide through the lending world. Instead of dealing with multiple banks yourself, we do the research, compare lenders, and find the right loan that fits your goals. We’re licensed professionals who act in your best interests, making the process simple, transparent, and stress-free.
Why use a mortgage broker?
Using a mortgage broker gives you access to a wide range of loan products from multiple banks and lenders, not just one. We take the time to understand your needs and goals, then present you with options so you can easily compare interest rates, repayments, and loan features. We handle the heavy lifting, researching, negotiating, and shortlisting the right loans so you don’t waste time dealing with lenders whose products may not suit you. A good broker can also save you money by helping you find the loan that fits your circumstances perfectly.
What makes Daoud Finance different?
Do Mortgage Brokers charge fees?
Mortgage brokers are generally paid by lenders through commissions, paid when a loan settles, often referred to as “success fees.” These commissions are usually set at industry-standard rates, ensuring recommendations are based on what suits your needs, not who pays more.
In some complex situations, a broker may charge a commitment or processing fee. If this applies, it will always be clearly explained and agreed upfront.
Brokers are required to act in their client’s best interests and operate under strict regulatory obligations. Transparency around fees and remuneration is a core part of responsible lending.
At Daoud Finance, we’re committed to being open and upfront about how we’re paid. Our advice is always focused on what’s best for you, and our business is built on trust, long-term relationships, and referrals from clients who value genuine guidance and care.