Home loans
Guidance for first-home buyers and those buying their next home. Discuss your deposit, budget and the application process.
Enquire about a home loanPunjab Home Loans
Your next chapter.
A place to call home.
Buying, refinancing or investing? Start with a conversation about a loan that fits your plans and your circumstances.
From the first conversation to settlement.Understand your options and the steps ahead.
First home & next homeRefinancing & investmentVehicle, business & commercial enquiries
Your finance options
Different plans.
A personal conversation.
Whether you're stepping onto the property ladder or planning a business purchase, let's discuss what you need.
Refinancing
Review your current loan against your needs. Consider repayments, features, fees and the overall costs of switching.
Discuss refinancing
Investment loans
Explore finance for an investment property, with a conversation about your borrowing position and property plans.
Discuss an investment purchase
Business loans
Discuss finance for starting a business, buying an existing business, working capital or expansion. Requirements depend on the purpose and lender.
Enquire about business finance
Commercial loans
Explore finance for an owner-occupied business premises or commercial investment property.
Discuss commercial finance
SMSF loans
Discuss property finance enquiries for a self-managed super fund, alongside advice from your accountant and licensed financial adviser.
Enquire about SMSF finance07 / VEHICLE FINANCE
Discuss vehicle financeCar & vehicle loans
Enquire about finance for a new or used vehicle, whether buying from a dealer or through a private sale.
The steps ahead
A clearer path to your loan.
Start with your goals. We'll help you understand the information needed and what happens next.
Let's talk about your plans
Discuss your purchase or refinance, income, commitments and the deposit or equity you may have.
Explore your options
Review suitable loan options and understand repayments, features, fees and documentation before applying.
Application to settlement
Get guidance through lender assessment, loan documents and settlement. Approval depends on the lender's criteria.
Meet your broker
Your plans deserve
a personal approach.
Based in Point Cook, Victoria, Punjab Home Loans helps individuals, families and business owners explore home, vehicle and business finance for their next step.
Speak directly with Mandeep Thind about where you are now, what you'd like to achieve and the loan options to consider.
Start a conversation by emailBefore we talk
Questions you
might have.
What should I have ready for our first conversation?
A rough purchase budget, your deposit or estimated equity, income details and existing loan commitments are a useful starting point. If refinancing, have your current loan details available.
Can I talk to you before choosing a property?
Yes. An initial conversation can help you understand the application process and the information needed before you start looking.
Can self-employed applicants enquire?
Yes. We'll discuss your business, income and available documents. Requirements and eligibility vary by lender and your circumstances.
How do I know whether refinancing makes sense?
Consider the proposed loan's repayments, features and ongoing fees, together with switching costs and the remaining loan term. A lower advertised rate alone doesn't show the full cost.
Start your next chapter
Let's talk about your plans.
Buying a home, reviewing a loan or growing your business? Get in touch with Mandeep.