Welcome to sb lending
SB Lending doesn’t just offer exceptional mortgage broking and finance management services. We pride ourselves on our ability to look at the bigger picture, working with our clients to ensure their borrowing strategy best supports their wealth creation, tax, risk, and income protection goals.
Connect with Us
Have a question? We’re here to help. Send us a message and we’ll be in touch.
Who We Are
About Us
Your approach to borrowing is just one piece of the broader financial puzzle, and sometimes securing the cheapest loan in the short-term may not support your long-term aspirations.
We go where most brokers and banks can’t; working with our wider SB Group team to seek guidance from experts in accounting, business structures, tax, and financial planning to ensure a bespoke approach to borrowing that works for you.
With loans from 32 financial institutions at our disposal, we will create a lending solution that suits your goals.
So, what is a mortgage broker?
A mortgage broker is the conduit between you, the client, and a lending facility (i.e. a bank). They will oversee the entire process and help you select the best lending solution for your needs, and will continue to review your loan during its lifetime.
What We Do
Our Services
With loans from 32 financial institutions at our disposal, we will create a lending solution that suits your goals, including:
Have a question? We're Here To help!
Learn More
The SB Lending journey
Step 1: Understanding your current position
Firstly, your broker will work with you to understand your position. What are your financial goals? What assets do you current own? What’s your current financial position vs your dream financial position? How do you plan to achieve your goals? What is your borrowing power?
Step 2: Defining your goals
Next step is to create a list of goals – short, media and long-term objectives, so you can clearly see where you want to go and how you will get there.
- Do you want to gear up for investment?
- Are you looking for a better rate so you can pay off your loan sooner?
- Maybe you want to put in a pool or renovate?
- Consider nice haves and must haves.
- How can you improve your current position?
Step 3: Seeking expert guidance, if required
It’s at this point that your broker may recommend speaking with an expert from SBB Partners to provide additional advice and guidance relevant to your financial position.
Then it’s time to find the right loan for your financial position that dovetails into your plan. Your lending should be a byproduct of your financial aspirations, not a retrofit that forces your life to fit your loan. Your loan should fit your life!
Step 4: Finding the right lending solution
From here, your SBB Lending broker will work on your behalf to find the best possible lending outcome from a panel of 32 financial institutions.
All they need is formal identification and copies of supporting documentation required for the application.
They will handle the entire process, from the initial application through to the credit process, documentation, approvals, signing of the contracts etc.
Be aware that the cheapest loan isn’t always the best. Sometimes by saving $100 a week by selecting the cheapest rate could prevent you from benefiting from an additional $3000 refund at tax time.
STEP 5: Ongoing review
But settlement is not the end of your SBB Lending journey.
Life changes, and so too should your lending solutions. The most important part of your lending strategy is a commitment to constantly reviewing it.
Your broker will continue to check in to make sure your loan still fits your life, and to recommend changes where required, with a formal review delivered two years into your lending journey.
They will also keep your bank honest, keeping an eye on interest rate changes and new products on the market.
Specialised Finance
Cash Flow Solutions • Debtor Financing • Trade Finance • Reverse Mortgage