Home Loans
First-home buyers, upgraders and downsizers - we negotiate competitive rates and structures from a panel of 40+ lenders.
Explore home loans →Punnackal Financial Services helps Australian homeowners and investors find the right loan from 40+ leading lenders. Whether you're buying your first home, refinancing for a better rate, building, or growing a portfolio - we handle the legwork so you don't have to.
Tell us a bit about your situation and Varghese will be in touch with the next steps - obligation free.
From first-home buyers to seasoned investors, we match you with the right structure, rate and lender.
First-home buyers, upgraders and downsizers - we negotiate competitive rates and structures from a panel of 40+ lenders.
Explore home loans →Lower your repayments, unlock equity, consolidate debt, or switch to a smarter loan structure that fits your current goals.
See refinance options →Build a property portfolio with the right loan structure, ownership setup and offset strategy - tax-savvy and growth-focused.
Build your portfolio →Build your dream home with progress-payment loans, knock-down rebuilds and house & land packages - we coordinate every drawdown.
Plan your build →
With over a decade of experience as a credit representative and MFAA member, Varghese Paulose delivers clear advice, transparent comparisons and proactive support from application through to settlement.
Major banks, credit unions and specialist lenders - so you compare more options in one place.
Our service is paid by the lender at no cost to you for most home loan applications.
Self-employed, PAYG, first-home buyers, investors and construction - we know what each lender wants to see.
Direct access to your broker before, during and after settlement - including annual loan reviews.
Four guided steps - we keep you informed at every milestone.
A free 30-minute chat to understand your goals, situation and timeline.
We compare lenders, structures and rates - then present a clear shortlist tailored to you.
We package and submit your application, liaise with the lender, and chase formal approval.
Smooth settlement, ongoing rate reviews and support whenever your situation changes.
Real outcomes from clients we've helped buy, build, refinance and invest.
"Varghese walked us through every step of our first-home purchase. He found us a rate the bank wouldn't, and was always reachable. Couldn't recommend more."
"Refinanced our investment loan and saved over $4,800 a year. Honest advice with no pressure - exactly what we needed."
"As a self-employed contractor, three banks turned me down. Varghese understood my situation and got us approved within weeks."