Our Loans & Services.
Whether you're buying your first home, upgrading to your next, refinancing, or investing — we’ve got you covered.
Finding the right loan.
First Home
Buyers
Buying your first place? We’ll guide you through each step, explain your options, and help you access any government support you’re eligible for.
Next Home or Investment
Thinking about upsizing, downsizing, relocating, or buying an investment? We’ll help you make your next move with confidence — from using your equity to finding the right loan structure to suit your goals.
Refinance an Existing Loan
Thinking about switching lenders? We’ll compare the market, handle the paperwork, and help you save on repayments or release equity.
Self-Employed Home Loans
Being your own boss shouldn’t make getting a home loan harder. We work with lenders who understand how self-employed income works — whether you’re a sole trader, contractor, or small business owner.
Asset Finance & Personal Loans
Need a vehicle, new equipment, or just a bit of extra breathing room? From car loans to asset finance for growing your business, we can help you secure the right finance for personal or business needs.
Commercial Loans
Need finance to purchase commercial property, expand your business, or manage cash flow? We work with businesses across the South Coast to find competitive commercial lending solutions.
Construction Loans
Building your dream home? Let us take care of the finance so you can focus on the fun part. Secure the right construction loan with flexible drawdown options and expert support.
Why work with Valley Finance?
Buying a home is a big deal, and sorting out the loan can feel overwhelming. That’s where we come in.
We’ve Got Your Back
Not sure what all the fine print means? No worries. We break it down in clear simple terms and help you understand what’s what — so you can feel confident about your decisions.
More Choices, Less Hassle
We work with lots of lenders, not just one bank. That means you get more options — and better chances of finding a loan that really suits you.
We Handle the Paperwork
Let us take care of the boring bits — the forms, the calls to lenders — so you can focus on the fun stuff, like planning your move.
Frequently Asked Questions.
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We act as the middle person between you and the banks — comparing lenders, explaining your options, and handling all the paperwork to get you the best possible loan for your situation.
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No, our services are completely free for you!
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That depends on your income, expenses, deposit, and credit history. We’ll do a quick assessment to give you a clear idea of what you can afford before you start house hunting.
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Absolutely. We’ll review your current loan, compare options across 40+ lenders, and help you switch to a better rate or structure — saving you money and hassle.
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Yes! We work with lenders who understand self-employed income and can help you find the right documentation or low-doc loan to suit your circumstances.
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We’re based on the NSW South Coast and proudly help clients across Wollongong, Shellharbour, Kiama and surrounding regions — but we can work with you remotely anywhere in Australia.
