🎁 Limited Time – Get a FREE $800 gift voucher when your loan settles.
Offer ends 31 August 2025. Book your call today!
Yes Choice Finance is a trusted Sydney mortgage broker helping buyers, investors, and business owners secure the right property loan with personalised service and after-hours home visits.
📍 Servicing all of Greater Sydney — including after hours home visits.
🔍 Want to find out if you can buy a property?
✅ Get review of your financial position
✅ How much you can really borrow?
✅ What deposit do I need & how to move forward with confidence
✅ What type of property suits my budget? (existing home, house & land, or investment)
👉Book Your Property Finance Assessment with Heng
💬 WHO THIS IS FOR?
This is ideal for:
✅First Home Buyers
✅Busy Families & Upgraders
✅Property Investors
✅Business Owners & Self-Employed
✅House & Land Buyers
✅Refinance Clients
📍 WE SERVICE GREATER SYDNEY
Including:
Parramatta | Blacktown | Bankstown | Campbelltown | Penrith | Liverpool & Surrounds
💼 WHY YES CHOICE FINANCE?
✅ Just real advice from a broker who listens.
✅After-hours home visits available across Greater Sydney
✅Personal advice from Heng, your trusted finance partner
✅Access to 40+ lenders, including construction & commercial loan specialists
✅Fast pre-approvals with no jargon, no stress
Testimonials
Sarah, Baulkham Hills
“Heng made the process stress-free. He met us after hours and helped us buy our first home with confidence.”
Daniel & Lisa, Oran Park
“Clear, honest advice and lightning-fast pre-approval. Highly recommend Yes Choice.”
Michael & Angela, Wetherill Park
“We had no idea where to start — Heng explained everything clearly, helped us understand our borrowing power, and even visited us after work hours. We’re now building our dream home, and it wouldn’t have happened without him.”
Property Finance Assessment
Understand your borrowing capacity and loan options with a quick, obligation-free assessment.
FAQs
💬 Frequently Asked Questions
How much deposit do I need to buy my first home?
Generally, a 10% deposit is a great starting point, but some lenders allow as little as 5%. We’ll help you understand what’s possible based on your financial position.
How do I know how much I can borrow?
That’s exactly what our Property Finance Assessment is for. We assess your income, expenses, and liabilities to determine your borrowing capacity.
What happens to my existing loan when I upgrade?
You may be able to refinance, top-up, or restructure your loan. We’ll help you find the smartest path forward.
How does a construction loan work for house & land packages?
Construction loans are released in stages — land first, then progress payments during the build. We’ll help manage the process and approvals for you.
Can I use equity from my current home to invest?
Yes — if your property has grown in value, we can use that equity as a deposit for your next investment.
Can I borrow under a trust or company name?
Yes — some lenders allow investment loans under trusts or companies. We work with investors to find flexible lending options.
I’m self-employed — can I still get a home loan?
Yes! We specialise in helping self-employed clients with full-doc or low-doc options, using tax returns, BAS, or accountant letters.
What documents do I need as a business owner?
Typically: 2 years of tax returns, profit & loss statements, and sometimes BAS. We’ll help you prepare and position your application.
I don’t show much income on paper — can I still qualify?
Possibly — we work with lenders who understand business cash flow and can offer flexible solutions beyond the big banks.
When should I refinance my home loan?
If your interest rate is over 5.5%, or it’s been 2+ years since your last review — it’s time to compare. We often help clients save thousands.
Are there costs involved in refinancing?
Some lenders offer cashback or cover fees. We’ll give you a clear breakdown of potential costs vs savings.
Can I refinance to access equity?
Yes — many clients refinance to fund renovations, investments, or pay off other debts. We’ll help you unlock your equity smartly.