Home and Investment Loans

Providing Personal Finance Solutions for You.

Contact Whiteroom Finance today for an obligation-free consultation.

What Our Customers Think:

Nick helped us every step of the way, finding us the best deal for our situation and walking us through the steps, offering guidance when required. The customer service was excellent and we have come out the other side much better off than prior to refinancing. Would highly recommend him if you want a quality, tailored solution for your home loan from someone with your interests genuinely at heart!

Shannon Wood

November 2023

Highly recommend Chris as an excellent broker and Vicki for the final stages of the settlement. They were able to sort out a complicated refinance for me and Chris kept in constant contact with me over the process which took a while.

Steve Incerti

November 2023

I cannot recommend enough the help and service. We have no idea of the processes involved and Kurtis has been more than willing to spare valuable time in guiding us.

Dianne Crisp

November 2023

Nick is amazing at what he does!
Financial stuff can be daunting but Nick made the journey through it all feel like a breeze.
Thank you Nick.

Elle Maxwell

November 2023

This is the second time Whiteroom Finance helped us in securing finance. Karl Baker was a great help both times. He is easy to communicate to, explains in simple English and is very proactive. It was a joy to have someone like Karl to help.

Singh K

September 2023

A huge shoutout to Chris and his team for going above and beyond to help us secure our family home. Their dedication and unwavering support made the process so smooth. Highly recommended!

Client Survey Feeback

August 2023

Most amazing team! we had such issues trying to receive a loan but Whiteroom Finance made it so easy and guided us throughout start to finish would highly recommend, was always there whenever we needed.

Sidoroska S

June 2023

Working with Chris and the team to refinance my mortgage was a smooth and easy process, highly recommend.

Kirk T

June 2023

Been working with Chris since 2016. Very professional and finds the best services to suit each loan, and is there every year to review it for you.

Passmore A

May 2023

Whiteroom Finance have been fantastic in helping my partner and I get our first home loan, and then our second, and they have also been a great help in refinancing these loans. They are professional and quick to respond to all of our emails (even after hours and on weekends). They listened to us and made sure to find suitable lenders that offered the home loan structures that we wanted. An enthusiastic 5 stars for these guys.

Pech A

May 2023

Great experience with Whiteroom Finance all the team is really helpful and supportive. Will be using them again!!

Ellery K

March 2023

Thank you for making the process so easy and as pain free as buying a house can be!

Client Survey Feedback

November 2022

Thank you very much to Chris White and his wife Vicki White from Whiteroom. With all of their hard work they made our goal possible. We are very excited the settlement went through today. Neil and I highly recommend their professionalism, knowledge and their dedication. We had a very awkward situation and Chris with his knowledge was able to reach our goals.

Neil & Kaliope C

September 2022

Chris and the team were able to simplify an unclutter the complex and intimidating process of buying our first home. They were readily accessible throughout the journey and we are ecstatic with the final outcome.

James L

August 2022

Thankyou for all your assistance through this journey, it's been a huge learning curve as a first home buyer, but I'm very thankful to have had your guidance throughout the process!

Dana S

November 2022

What is Personal Finance?

Personal finance covers everything to do with your individual finances and your financial goals, including saving, investing, and budgeting. Whatever your personal finance goals are, Whiteroom Finance can help you achieve them.

Often, clients understand what they want but don’t always know how to achieve it. We develop a depth of understanding about your personal finances and what you are hoping to achieve. This means when it comes to exploring your finance options, we make recommendations based on knowledge, not assumptions. Whiteroom Finance becomes part of your Trusted Adviser Network.

Whether it’s upgrading or downsizing your home, investing, buying a car, or taking a holiday, we have the experience and connections to help you achieve your goals. You can trust Whiteroom Finance as your personal adviser for your next financial decision.

Personal Finance

Home Loans

Purchasing a home can be a daunting experience. There are interest rates to consider, seemingly endless paperwork to fill out, not to mention the search for the home itself. All this can be really stressful and takes a toll on you and your family. Whiteroom Finance can help you with advice and guidance about:

We can also introduce you to valuable services like settlement agents, property inspections, and others to give you peace of mind. Before you even start looking for your new home, you should speak to our team of home loan experts. We help you understand how much you can afford so you will have a good idea of how much you can spend before you even start your search.

vehicle and equipment finance

Refinancing Your Home Loan

As a homeowner with a mortgage, chances are you’ve heard the term ‘refinancing’. Refinancing simply involves reviewing your current mortgage against your personal needs and desires, comparing terms against current market offers, and potentially swapping your loan to another lender who can better meet your current needs, wants and circumstances

However, refinancing is not suited to everyone. Sometimes, a review reveals that a refinance isn’t required, and only some adjustments of the terms with your current provider are necessary to put you in a good position.

Just as there are when you borrow to purchase a house, there are many different factors to consider before refinancing. As your broker, Whiteroom Finance will spend time to discuss your needs and objectives, to analyse your current financial situation and make a recommendation that is suited to your own unique position.

Whiteroom Finance is committed to ensuring loans remain relevant for our clients, and offer a free review every year.

Home construction

Home Construction

Thinking of building a new home? Did you know there is special type of personal finance loan for that purpose? A construction loan is progress based, meaning your builder receives funds in stages (progress draws) as the construction of your new home progresses.

The lender will rely on the value of the property as if it is complete, and will pay the builder directly as the construction progresses.   You will only pay interest on the balance of the loan as is increases during construction, not the whole lot at once and when your house is finished and all the progress draws are complete, you will begin paying full principal and interest payments on the total amount.

A construction loan is great because it saves you money while you build and because the lender will provide a loan based on what they expect the property to be worth once it’s finished, not just the vacant land.

Young family in new home

First Home Buyers

Looking to buy your first home? There are many types of finance aimed at first home buyers and a lot of pitfalls to look out for. Whiteroom Finance knows this can be confusing and helps drown out the noise to find the right home loan that works for you. We help you understand:

  • Principal and interest loans.
  • Variable rate loans.
  • Interest only loans.
  • Fixed rate loans.
  • Split loans.

Often, it can be difficult for first time home buyers to save a deposit for a home loan. Thankfully, there are some government and lender options available to help first home buyers to get into the market. Whiteroom Finance can help you understand the options available to you and will work with you to support you on your journey to home ownership.


Investment Home Loans

Investment home loans are not just about buying an investment property, though that may be exactly what works for you.

Much like any home loan, the amount you can borrow for investment purposes depends on equity (or deposit) you have available, and how much you can afford. Unlike a home loan, the interest you incur on an investment loan could be used to reduce your tax obligations, and the asset you buy with the funds may provide you an income.

The most common type of investment loan is used to buy an investment property. Your tenants pay the mortgage and this income is offset by the costs of the loan and property management. When these costs are more than the rent you receive, this is commonly called Negative Gearing. However, you can use the equity in your own home to take an investment loan to buy shares, or other investment assets with a similar result.

Whether this is right for you depends on the equity you have available, income vs expenses, the type of asset being purchased, short, medium, and long-term personal goals and even your own aversion to risk.  

Give us a call today to discuss options to help you achieve your investment goals.

Get the loan that's right for you.
Contact Whiteroom Finance today.
Contact Whiteroom Finance today.