From your very first home to a multi-property investment portfolio, Punnackal Financial Services offers tailored loan strategies backed by access to 40+ Australian lenders.
Whether you're stepping onto the property ladder for the first time or upgrading to your dream home, we make the process clear, fast and rewarding. We compare fixed, variable and split options across 40+ lenders so you don't pay a cent more than you should.
If your home loan is more than two years old, there's a strong chance you could be getting a better deal elsewhere. We do a free, no-obligation rate review and walk you through every cost and benefit so the numbers stack up.
Investment lending is more than just rate-shopping - structure, ownership, tax treatment and lender appetite all matter. We help you optimise every dollar of equity so your portfolio scales sustainably over time.
Construction loans work differently to standard home loans - they release funds in stages as your build progresses. We coordinate with your builder, broker the right product, and make sure every progress payment lands on time.
Can't find the answer you need? Give Varghese a call - he's happy to chat with no obligation.
For most standard residential home loans there is no cost to you - the lender pays us a commission once your loan settles. Some specialist or commercial loans may attract a broker fee, but we'll always disclose this clearly upfront so there are no surprises.
Borrowing capacity depends on income, expenses, deposit, debts and the lender's serviceability buffer. Use our loan calculator for an estimate, then book a free consultation for a precise assessment with multiple lenders.
Absolutely. We have specialist lenders that understand contractors, sole traders and company directors - including options that accept just one year of financials, BAS-only income verification, or alt-doc lending where appropriate.
Pre-approval can often be issued within 2-5 business days after we've packaged your application. Full unconditional approval typically takes 1-3 weeks depending on the lender, property and complexity of your situation.
Yes - this is one of our specialties. Different lenders have different policies, and a "no" from one bank doesn't mean a "no" everywhere. We review your situation, identify what went wrong, and find lenders likely to approve you.
No - we're licensed to assist clients across Australia. Most of our consultations now happen by phone, video call or email, so we can support you no matter where you live.
