Home Loans That Open New Doors
Whether you’re buying your first home, refinancing, or investing, Happy Vic Lending Solutions is your trusted partner in securing the right home loan. With expert knowledge, personalised advice, and access to Australia’s leading lenders, we make your journey to home ownership simple, smooth, and successful.
Residential Home Loans
Your Dream Home Starts Here
We specialise in all types of residential home loans, catering to individuals, couples, families, and investors. Whether you’re looking to purchase a new property, build your home, or refinance your existing mortgage, we help you find the most suitable loan product tailored to your lifestyle and goals.
- Owner-occupied home loans
- Refinance and debt consolidation
- Investment property loans
- Fixed, variable, and split loan options
With us, it’s not just about the loan — it’s about strategic lending advice that sets you up for long-term financial health.
First Home Buyer Loans
Buying Your First Home? Let’s Make It Happen.
We understand how exciting — and overwhelming — buying your first home can be. That’s why we offer dedicated support for first home buyers, guiding you through:
- Loan pre-approval
- Choosing the right lender and loan type
- Budgeting for upfront costs like stamp duty, deposit, and LMI
- Eligibility checks
- Understanding repayment structures
First Home Owner Grant Assistance
Maximise Your Entitlements with Expert Guidance
You may be eligible for the First Home Owner Grant (FHOG) — a government initiative offering financial support to eligible first home buyers.
Our team will:
- Check your eligibility for FHOG and stamp duty concessions
- Help you prepare the necessary documentation
- Ensure your grant is processed efficiently
- Combine the grant with suitable loan products to reduce your upfront cost
Don’t miss out on what you’re entitled to — let us handle the process from start to finish.
Self-Employed Home Loan Specialists
Tailored Lending for Business Owners and Freelancers
Being your own boss shouldn’t stop you from buying a home. At Happy Vic Lending Solutions, we specialise in home loans for self-employed clients, including:
- Sole traders
- Company directors
- Contractors
- Partnership structures
We understand the complexities of self-employment income and work with lenders who offer flexible documentation requirements, including:
- Tax returns
- Accountant letters
- BAS statements
- Business bank statements
Even if you’ve been self-employed for as little as 1 year, we can help you find a suitable lending solution.
Home Loans Through Trusts & Company Structures
Secure Property Under a Business or Trust Name
Looking to buy property through a trust or company? We assist clients who prefer to purchase property under business or investment structures — whether it’s for owner-occupied purposes or long-term investments.
We provide:
- Strategic structuring advice in collaboration with your accountant or financial advisor
- Access to specialist lenders experienced in trust and company lending
- Competitive loan products tailored for asset protection and tax benefits
Whether you’re buying as a trustee, director, or through a family trust, we’ll make sure your loan is structured correctly and approved efficiently.
Why Choose Happy Vic Lending Solutions?
- Access to major banks and specialist lenders
- In-depth experience with first-time buyers and complex financial structures
- Transparent advice with no hidden fees
- End-to-end support from application to settlement
- Flexible lending for self-employed and non-traditional applicants
Let's Get You Home
Ready to take the next step toward owning your dream home or building your property portfolio? Happy Vic Lending Solutions is here to guide you with expertise and care.
Expert Guidance for Your Home Loan Journey
Buying a home is one of the biggest financial decisions you’ll ever make, and at Happy Vic Lending Solutions, we’re here to make the journey smooth, stress-free, and successful. Whether you’re a first home buyer, upgrading to a larger property, investing in real estate, or refinancing your existing mortgage, we offer tailored residential loan solutions to suit your unique needs and goals. With access to a wide panel of banks, non-bank lenders, and specialist loan providers, we compare a variety of home loan products to find the one that best fits your circumstances—whether you’re looking for the lowest rate, flexible repayment features, or faster approval. Our experienced team will guide you through the entire process, from initial consultation to loan settlement, handling the paperwork and negotiations so you can focus on finding the perfect home. We take the time to understand your financial position, lifestyle, and long-term plans, ensuring that the loan you choose is one you can live with comfortably. At Happy Vic Lending Solutions, we’re committed to helping Australians turn their property dreams into reality with expert advice, personalised service, and trusted lending solutions.
Buying a home
Whether you’re moving on in the world and exploring new suburbs in Australia, needing a bigger space for your growing family, or maybe even looking to downsize for a simpler lifestyle – we’re here to help you every step of the way. The real estate landscape may have changed significantly since you last bought a property, and understanding these changes is crucial. Nowadays, obtaining a home loan approval from traditional lenders can often feel like navigating a complex maze, as it may require you to tick a lot of boxes and align with a long list of fixed conditions. In contrast, you’ll find our approach to be much more personal, accommodating, and flexible, tailored to meet your unique needs and circumstances. Our goal is to make the process of buying a home as seamless and stress-free as possible for you.
Refinance Your Home Loan and Save
Refinancing your home loan can be a powerful way to save money and improve your financial situation. By switching to a loan with a lower interest rate or better terms, you could reduce your monthly repayments, shorten your loan term, or free up extra cash for other priorities. Whether you’re looking to consolidate debt, access equity for home improvements, or simply find a more flexible mortgage, refinancing gives you the opportunity to tailor your loan to better suit your current needs. At Happy Vic Lending Solutions, we make refinancing simple and transparent, guiding you through every step to ensure you secure the best possible deal and start saving sooner.
Self-Employed and Looking to Buy a Home?
Buying a home as a self-employed individual can sometimes feel challenging, but at Happy Vic Lending Solutions, we’re here to make the process straightforward and achievable. We understand that your income may not follow the traditional pay slip model, so we specialise in helping self-employed buyers secure home loans with flexible documentation options and tailored lending solutions. Whether you run your own business, freelance, or work as a contractor, we’ll work closely with you to understand your financial situation and connect you with lenders who appreciate the unique nature of self-employment. With our expert guidance and access to a wide panel of lenders, you can confidently take the next step toward owning your home.
Finding Home Loans When Your Credit Isn’t Perfect
Having less-than-perfect credit doesn’t mean you have to give up on your dream of owning a home. At Happy Vic Lending Solutions, we specialise in helping borrowers with credit challenges find flexible home loan options tailored to their unique circumstances. We work with a wide network of lenders who understand that credit history is just one part of your financial story. By assessing your full financial situation and exploring alternative lending pathways, we can help you secure a loan that fits your needs and puts you on the path to homeownership. Our team is here to guide you through every step, offering honest advice and practical solutions to improve your chances of approval—because everyone deserves a chance to find a place to call home.
First Home Buyer Loans Made Easy
Buying your first home is an exciting milestone, but navigating the loan process can sometimes feel overwhelming. At Happy Vic Lending Solutions, we specialise in making first home buyer loans simple, transparent, and tailored to your unique situation. From understanding government grants and incentives to finding the most competitive rates and flexible repayment options, we guide you every step of the way. Our experienced team works closely with you to find home loan solutions that fit your budget and goals, helping you turn your dream of owning your first home into a reality—without the stress. With personalised support and access to a wide range of lenders, securing your first home loan has never been easier.
Flexible Home Loans for Property Investors
Investing in property is a powerful way to build wealth, and having the right financing can make all the difference. At Happy Vic Lending Solutions, we offer flexible home loan options specifically designed for property investors, whether you’re buying your first investment property or expanding your portfolio. We understand that investors have unique needs—such as interest-only repayments, tax considerations, and cash flow management—and we work with a wide range of lenders to find loan products that align with your financial goals. Our expert team will guide you through the application process, helping you secure competitive rates and terms that provide the flexibility to grow your investments confidently and efficiently. With Happy Vic Lending Solutions, you get more than just a loan—you get a trusted partner committed to your long-term success.
We partner with major lenders in Australia
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.
Let's get in touch
Have a question or message? We’d love to hear from you. Reach out anytime—we’re here to help!
ASK US ANYTHING
We’re excited to hear from you and are committed to responding promptly to your message.