Innovative Home Loans

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Australia
Caringbah, NSW
Innovative Home Loans

The top choice for all loan solutions. We provide all finance solutions for new purchases, refinances, or releasing equity for any purpose.
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We specialise in residential lending, commercial lending, car loans & business solutions. Please email or call us if you have any questions regarding your current mortgage or looking to purchase a new property. For a complimentary no obligation meeting call our office on (02) 9524 9661 or send us an email [email protected]

03/11/2026

In this clip from the Property and Lending Podcast, we explain why unit owners still need their own insurance policy, even if the building has strata cover. Public liability protects you if visitors or tradespeople are injured or their property is damaged inside your unit, with cover often ranging from $10–$20 million. 🏢🛡️

Full episode out now!

02/11/2026

Being self-employed does not rule out a home loan. Lenders just read your income
differently.

Most will ask for tax returns, your ATO notice of assessment, business financials
and some ABN history. Many lenders ask for two years. Some can work from your most
recent year.

Here is the part people do not expect. Give the same set of figures to three
lenders and you can get three different readings of your income. Some may add back
items such as depreciation or one-off costs. Others will not.

That is why it pays to know which lender suits your numbers before you apply. Send
us a message and we will take a look.

31/10/2026

In this Clip from The Property and Lending Podcast we discuss Mitch Keen’s leap from a successful career into a completely new industry. Growth often comes from embracing new challenges and pursuing opportunities beyond your comfort zone. 💼🚀

Full episode out now.

30/10/2026

Before you transfer your deposit, make one phone call.

Your loan is approved, the cooling-off period is over and it’s time to pay your 5% or 10% deposit. Before any money moves, call the real estate agent or conveyancer on a number you already have, not one from an email, and verbally confirm the BSB and account number.

Emails can be intercepted, and it’s a big transfer, so make the extra call.

Know someone about to pay a deposit? Share this with them.

29/10/2026

In this Clip from the Property and Lending Podcast, we discuss tenant default insurance and how it helps landlords manage unpaid rent and protect their cash flow. 🏘️💰

Full episode out now!

28/10/2026

Some lenders may let you transfer an eligible home loan to a new property. This is called portability or a security swap, and the lender still needs to approve the new property and the timing. Check the policy early so you can compare it with taking out a new loan.

27/10/2026

In this clip of The Property and Lending Podcast, we explore the two types of buyer’s agents: Local specialists who focus on regional expertise and investor strategists who use data, numbers, and long-term planning to help clients build their property portfolios. 🎯 🏡

Full episode out now!

26/10/2026

Your offer has been accepted. Now the loan side begins.

First comes formal approval, where your lender checks the property itself, usually
with a valuation. Then your loan documents arrive to be signed and returned. Next
are the final checks: insurance in place where it is needed, and your final
inspection of the property. Then settlement day, when your lender releases the
funds and the keys are yours.

Timing varies. In NSW, settlement is usually about six weeks after exchange, which
goes quickly when there is a lot to line up.

We look after the loan side from approval through to settlement day, so you can
get on with the move.

24/10/2026

In this Clip from the Property and Lending Podcast, we explain why public liability insurance is essential for landlords and how small premiums can protect against massive claims. 🏠⚖️

Full episode out now!

23/10/2026

A longer loan term can mean lower monthly repayments, while a shorter term can mean higher repayments and less time paying interest. In this reel, the figures are an illustration based on a $600,000 loan at 6%: actual repayments depend on your loan terms and rate. Talk to IHL about comparing options for your circumstances.

Address

9/2 Resolution Drive
Caringbah, NSW
2229

Website

http://www.innovativehomeloans.com.au/

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