Home Loans & Residential Finance
Finance for buying, refinancing and investing in property — matched to your goals, and the way you live.
home loan is one of the biggest financial commitments you'll make, and the right one comes down to more than the rate. At Circa Finance, we take the time to understand your situation, compare a wide panel of lenders, and find a loan that fits — whether you're buying your first home, upgrading, or refinancing for a better deal.
From application through to settlement, we manage the detail and keep you informed at every step, so the process is as straightforward as it should be..
You'll deal with the same people from the first conversation to settlement — Kim and Georgia — who take the time to understand your goals, not just your numbers.
A team who knows your name
We compare a broad range of lenders to find a home loan that suits you and handle the paperwork from application through to settlement.
A wide panel of lenders
How We Can Help
First home buyers
Buying your first home is a big step. We explain your options in plain terms, help you understand what you can borrow, and guide you through every stage — including any grants or schemes you may be eligible for.
Refinancing
Already have a loan? We review your current finance, compare the market, and look for a better rate or structure — then manage the switch for you.
Buying & investing
Whether it's your next home or an investment property, we structure finance to suit your plans and help you make the most of your position.
How We Can Help
FAQs
How much can I borrow?
It depends on your income, expenses, deposit and the type of loan. The best way to get a clear picture is a quick conversation — we'll assess your position and give you a realistic sense of your borrowing capacity before you start looking.
Do you help first home buyers?
Yes. We guide first home buyers through the whole process, from understanding what you can borrow to settling on your first place — and we'll flag any grants or schemes you may be eligible for.
What does it cost to use a mortgage broker?
In most cases, mortgage brokers are paid a commission by the lender, so there's typically no direct charge to you for our service. We'll always be upfront about how we're paid, and about any costs, before you proceed.
Can you help me refinance?
Yes. We review your current loan, compare the market, and if a better option is available, we manage the switch from start to finish.
Testimonials
I couldn't recommend Kim and Georgia highly enough — an absolute powerhouse team who know how to get things done. They worked with me to refinance my mortgage, kept me informed every step of the way, and worked incredibly hard to achieve a fantastic result. If you're looking for a finance team that gets results, Kim and Georgia are your girls.
Nic Minter, Soqual Creative Agency
Working with Kim and Circa Finance to arrange finance for our company vehicle was a genuinely positive experience. She was professional, approachable, and took the time to understand exactly what we needed, guiding us through the process with ease. Thanks to her support, we secured a competitive solution that suited our business perfectly.
Tess Andoni, Revive Building Project Management
We worked with Kim and Georgia to secure finance for a development site — a complex deal involving multiple stakeholders — and they made the entire process feel seamless. Their communication and ability to navigate the complexities were exceptional, and we couldn't be happier with the outcome. A fantastic team who genuinely know how to get things done.
Kyle Bishop, Bishop & Hart
Contact Our Team
Book your complimentary initial consultation with Circa Finance today.
