About Us
WE ARE A TEAM OF PROFESSIONAL MORTGAGE BROKERS AND YOU CAN RELY ON US TO HELP YOU
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Calculators
THESE TOOLS GIVE YOU A BETTER INSIGHT INTO HOW THE BANKS MAY VIEW YOUR LOAN APPLICATION
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News & Resources
WE WORK HARD TO MAKE SURE THAT YOU UNDERSTAND WHAT IS GOING ON IN THE FINANCE INDUSTRY
Book an AppointmentAbout Us
Sapphire Loans was founded with the goal of helping people reach their property goals and in an affordable manner. We help clients get finance for home ownership and investment properties. We then help with long term mortgage management ensuring our clients are well looked after and have the best finance solution long term.
Specializing in both refinancing and purchases, our mission is to guide our clients every step of the way, offering personalized and transparent service to make the home loan process as smooth and straightforward as possible.
Whether you're buying your first home, upgrading to your dream property, or looking to refinance your current mortgage, our team of experienced professionals is here to ensure you secure the best rates and terms available. With a deep understanding of the mortgage landscape, Sapphire Loans leverages its expertise to find the right solution for every unique situation.
Why Choose Sapphire Loans?
We believe getting finance should be simple, transparent, and truly tailored to you. When you work with us, you're not just another application — you're a valued client for life.
- Tailored solutions for every stage of life — from first homes to complex investments
- Access to hundreds of loan products across Australia's top lenders
- Fast, proactive communication — we keep you informed every step of the way
- Experienced brokers who negotiate on your behalf, not the bank's
- A long-term partnership — we're here for your next purchase, refinance, or restructure
Services
We look forward to helping you with your finance needs. We can help first home buyers, next home buyers, refinancers and investors. Have a look below to see what kind of services we offer, or call us to discuss your specific requirements.
There are literally hundreds of loan products on the market today and it is our job to help you find the right solution to suit your individual needs and servicing ability.
We pride ourselves on delivering proactive service and support. We have extensive experience in all things lending, including:
SUPPORTING FIRST HOME BUYERS
Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.
INVESTMENT LOANS
Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive interest rates. An investment loan may also help with your tax, so we would always recommend speaking with your accountant before deciding to buy an investment property.
COMMERCIAL LOANS
Commercial property and business lending policies and interest rates are rarely found on lender’s websites, and this is because commercial lending is priced on a case-by-case basis. We have extensive experience in the commercial lending space and can help you with the purchase of commercial property, or the refinancing of existing commercial facilities. Pricing for your commercial loan is negotiable, and will ultimately depend on the strength of the business and the security you can offer.
STANDARD VARIABLE & FIXED RATE LOANS
The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is slightly higher. This type of loan usually comes with an ‘offset account’, which allows you to place your savings against the loan balance, and may also allow you to make extra payments. The fixed rate loan on the other hand, gives you the certainty of knowing exactly what your repayments will be for a given period (usually between 1 to 5 years), so you can plan ahead.
HONEYMOON LOANS
A honeymoon loan (or introductory loan) is a loan with lower interest rates or lower repayments for a given introductory period, normally between 6 months and 12 months, after which the rate reverts to the standard variable rate. A honeymoon rate may also be known as an introductory rate or a special offer rate.
BRIDGING LOANS
A bridging loan may be necessary to cover the financial gap when buying one property before your existing property has been sold. This type of loan is considered short-term finance (normally a period of 6 months) that bridges the financial gap between buying a new property and selling the existing one.
ASSET FINANCE
Need finance for another large purchase besides your home? You can also ask us to access competitive rates for the following types of finance: Cars and recreational vehicles, Commercial vehicles, Plant and equipment, Personal loans, Leases, Chattel mortgages.
“I had the pleasure of working with Shimon at Sapphire Loans, and I can’t recommend him highly enough! From the moment we started, Shimon was incredibly knowledgeable, professional, and always made sure to explain each step of the mortgage process in a way that was easy to understand. He helped me secure the best rate possible, and his attention to detail made the entire experience seamless. If you’re looking for someone who genuinely cares about finding the right solution for you, Shimon is your guy!”
“Shimon at Sapphire Loans is absolutely outstanding! He took the time to walk me through the entire mortgage process and answered all my questions with patience and clarity. Thanks to Shimon, I now own my own home!”
“Working with Shimon from Sapphire Loans was a fantastic experience. He was professional, knowledgeable, and incredibly attentive to my needs throughout the entire mortgage process. Shimon understood my unique income and was able to get me a low rate after being turned down by several other brokers. His dedication and expertise made a huge difference. Highly recommended!”
Calculators
Use our mortgage calculators to estimate how much you can borrow. We've designed these calculators to give you a better insight into how the lenders will view your loan application.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or any guarantee that you will be approved for a loan by a lender.
You should always discuss your individual circumstances with a representative of Sapphire Loans before placing your deposit or purchasing any property.
Contact Us
When we help you with your borrowing needs, we consider you to be a client for life. We want you to be confident that you are working with professionals who have your best interests in mind now and in the long term.
We have many years of experience in finance and professional mortgage broking. Our aim is to find you the best loan for your needs, and to make the process as simple and transparent as possible.
The privacy of your personal information is important to us. By providing your personal information to Sapphire Loans, you consent to be contacted by a representative of Sapphire Loans from time to time for marketing purposes. However, you can opt-out of marketing contact at any time by notifying Sapphire Loans and we will action your instruction immediately.
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