Impact Home Loans & Financial Services Pty Ltd

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Our Business and Experience

At Impact Home Loans & Financial Services, we bring decades of professional expertise to the table to empower you to make well-informed choices when selecting a loan package that aligns perfectly with your family's needs.

Our diverse panel of more than 20 lenders ensures a wide array of home loan options for you to explore. We are committed to assisting you every step of the way, from the initial application process to ongoing support.

Count on us to deliver a truly personalised service tailored to your unique circumstances and aspirations.

Our Services

Home Loans

If you are considering buying your dream home but are short on funds, consider contacting Impact Home Loans & Financial Services. We offer home loans at competitive interest rates, making...

Refinancing

Are you looking to optimise your finances, reduce monthly payments, or take advantage of the equity in your home? Impact Home Loans & Financial Services is ready to help you...

Bridging Finance

At Impact Home Loans & Financial Services, we are proud to offer a full range of financial solutions, including our specialist bridging finance services. When you find yourself in a...

Construction Finance

Impact Home Loans & Financial Services is your trusted partner for all your construction financing needs. If you are starting a construction project, whether it is a new home, a...

Business Loans

At Impact Home Loans & Financial Services, we are committed to helping businesses meet their growth and financial needs. Our full range of services includes business loans designed to meet...

Car Finance

Are you looking to bring home your dream car without breaking the bank? Look no further than Impact Home Loans & Financial Services! We are your trusted partner in making...

Construction Loans

Are you prepared to turn your dream home into reality? Impact Home Loans & Financial Services specialises in providing construction loan services that allow you to build your ideal home...

Personal Loans

If you are considering taking out a personal loan to cover your financial needs, look no further than Impact Home Loans & Financial Services. We understand that life can bring...

Community Spotlight

Transforming Lives and Empowering Communities with Impact Home Loans and Financial Services Pty. Ltd.

Albo re-elected: what’s on the board for home buyers and owners?

The votes have been cast and it’s clear Labor will hold the reins of federal government for another 3-year term. We look at what this may mean for first home buyers and current home owners. As the election dust settles,...

Myth buster: do weekly repayments pay off an offset loan faster?

There’s a common misconception around offset account home loans that making loan repayments more frequently helps to pay off the balance much sooner. We bust that myth and reveal the real secret to harnessing the power of your offset account....

Could US tariffs be good news for Aussie home owners?

Tariff-triggered cuts to interest rates could be just around the corner, with Australian borrowers the likely winners if they come to fruition. US trade policies have hit media headlines this month following Donald Trump’s controversial tariff announcements on 2 April....

Election 2025: what’s on offer for first home buyers?

Australians will head to the polls on May 3, and with housing affordability shaping up as a key election issue, we unpack how the two major parties are pledging to help first home buyers. Housing affordability has reached boiling point....

Home owners notch up gains of $230,000 in just 5 years

Did you know that the average home owner saw their property’s value rise $46,000 per year over the past five years? Today we’ll look at ways you could put that recent increase in equity to further use. The five years...

Why 1-in-2 families are thinking of refinancing

The RBA may have swiped left on an April rate cut, but plenty of home owners are taking matters into their own hands by refinancing to save on interest with a lower rate. There’s nothing like a rate cut to...

Sounds of silence: how traffic noise can impact property values

‘Close to public transport’ is often touted as a plus for home buyers. But new research shows just how much close proximity to a busy road, railway or flight path can impact property values. Location, location, location. When you’re hunting...

5 fun (and budget-friendly) ideas for an Easter staycation

This Easter offers more than chocolate eggs and hot cross buns. It brings a rare mega-holiday, and if your budget doesn’t stretch to a trip away, check out our tips to enjoy a memorable getaway – at home. Fun fact:...

Low cost renos to help keep your home cosy this autumn

It’s been a long, hot summer, but the seasons are shifting and it’s time to prepare for the cooler months ahead. A few simple improvements could help keep your home snug without overheating your power bills. It’s almost time to...

Was that the shortest property downturn ever?

The so-called market ‘downturn’ we saw over the last few months was a blink-and-you-miss-it affair. Home prices are once again on the up. We unpack what’s happening – and why now could be a good time to buy. Jeepers. That...

Major change coming to mortgage rules for university grads

Good news for the three million Australians who have a student debt. New rules are on the cards that could soon increase their borrowing power when applying for a home loan. Heading off to uni can be a great investment...

RBA cuts the cash rate for the first time since 2020

Finally, a long-awaited reprieve for borrowers. The Reserve Bank of Australia has today cut the cash rate by 25 basis points to 4.10%. How much could this rate cut decrease your monthly mortgage repayments? And can we expect more cuts...

The scheme that’s helped 193,000 Aussies buy a first home

If you’re in the market for a first home, there’s one scheme you should know about. It’s called the Home Guarantee Scheme, and it could slash the time it takes to buy a place of your own by several years....

What happens to my home loan if interest rates fall?

Great news for home owners – plenty of economists are tipping an RBA rate cut for February. Assuming it happens, once the celebrations have died down, what next? We explain what to expect when rates head south. It’s been a...

The top 5 location turn-offs for Aussie home buyers

Ever spotted a bargain property and then thought to yourself: ‘What’s the catch?’ Well, more often than not there’s a good reason behind a lower-than-expected price tag. And while an undesirable location might not be a deal breaker for you,...

How to finance your 2025 home renovation

Bathroom blitz? Kitchen kit out? Or perhaps some landscaping love might be on your house upgrade wishlist for 2025? If so, it’s worth knowing what reno finance options are available. Today we’ll explain some ways to fund your home improvement...

Decisions decisions… Fixed-rate vs variable home loan rate

Amid growing expectations of rate cuts in 2025, sticking with a variable home loan rate can seem like a no-brainer. But not so fast. Locking in your home loan rate can also have upsides, including the potential for a lower...

House, apartment or townhouse? The pros and cons of each

There’s much more to property in Australia than just houses or units. And if you’re in the market for a home or investment property, it helps to know your townhouses from terrace homes so that you can choose a place...

Three financial New Year’s resolutions to tackle 2025 head-on

How are your New Year’s resolutions coming along? If you’re like most people, they’re likely related to health, fitness or abstinence. But why not consider a financial one too? Here are three resolutions worth considering for 2025. There’s no denying...

Merry Christmas! And thanks for your support in 2024!

With the holiday season upon us, we’d like to express our heartfelt thanks to all our amazing clients for your trust and support throughout 2024. With the hope of rate cuts always dangling just out of reach, coupled with inflation,...

Have you refinanced recently? It could be time this summer break

If you haven’t looked into refinancing since the start of higher interest rates, it might be time to ask yourself ‘why not?’ New research shows it could be time to try again – especially if you want to start 2025...

How did property prices go in 2024? And what’s tipped for 2025?

As we head towards the end of 2024, let’s take a look at how property markets performed over the last year – and discover what the experts say may lie in store for home prices in 2025. 2024 has been...

Thinking of buying a holiday home? Here’s what to weigh up

The coming weeks will see millions of Aussies enjoy a well-earned getaway, and for some, a memorable holiday will inspire plans to buy a holiday home. But is it a good idea? And can a weekender still stack up financially?...

Thinking of installing a swimming pool for summer?

There are few better ways to beat the summer heat than floating in your very own pool. With a range of price points to choose from, a pool can be affordable, but will it add value to your property? And...

Buying land to build on later: what you need to know

You’ve seen the perfect piece of land but you’re not quite ready to build. No problem – a land loan can be a handy finance solution. However, it can work a bit differently from a regular home loan. Here’s what...

Do you really need a building inspection?

Your home is possibly the most valuable asset you will ever own. So it’s worth taking precautions to help ensure you buy a place that has a clean bill of health, free from budget-busting hidden nasties. Even the most attractive...

Can we expect the RBA to cut back rates this summer?

With just one RBA rate decision left for 2024, homeowners may be holding onto hopes of a summer cut. We look at when rates may start falling – and how you could possibly give yourself a rate cut before Christmas....

How much does LMI really add to a home’s cost?

Saving for a 20% house deposit is like house training a wilful Labrador. It requires plenty of patience and persistence. Not your thing? You could take out lenders mortgage insurance (LMI). But how much extra does that cost? And can...

Welcome to our December Newsletter

Latest news from the RBA Homeowners received an early Christmas present this year, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold this month. Get up to speed with what’s happening with property prices and more...

Welcome to our November Newsletter

Increase in Cash Rate It was an unlucky Melbourne Cup for homeowners, with the Reserve Bank of Australia (RBA) lifting the cash rate to a 12-year high. Meanwhile, property prices continue to edge higher in many markets as Australia’s house price rebound...

Sheela Emile

2024-06-19

Dilshany is very helpful always. She is knowledgeable about homeloans and gets the best rate. Always meets our needs. All the best. I would strongly recommend her for homeloans.

Mukundan Devadas

2024-06-14

Excellent Mortgage Agent One of the best Mortgage Loan Application experience my family and I have had. Dilshani was super professional and did a great job and explained everything to me before processing the loan application. Always did her best to make sure I was comfortable with all the process and procedures. The supporting team (Jennifer) was polite and well trained. We are very happy overall and definitely will be recommending Impact Home Loan to everyone who is looking for a loan that other banks and lenders can’t. - One of, if not the best Mortgage Agent in Eastern/South Eastern Melbourne.

Bernie Ybanez

2024-06-13

We are incredibly grateful to Dilshani for her outstanding assistance with our home loan and personal loan. Her expertise and dedication made the entire process smooth and stress-free. Dilshani was always available to answer our questions and guide us through each step. We highly recommend her services to anyone in need of a reliable and knowledgeable broker. Thank you, Dilshani, for everything!

Khay Nocos

Dilshani from Impact Home loans has always been really helpful to us from the time we planned to purchase our home up til our home has almost been finished. Thank you so much for a great service and for being patient with me and Bernie. We’re truly grateful for your advices and help all throughout our very stressful yet exciting building journey. We wish that you can help more families build their dream homes.

Adeyn Dixon

2024-06-03

Dilshani has been amazing, she always guides you through the process, keeping your interest in mind. Would highly recommend!!

Gurjodh Singh Sohi

2024-05-22

Broker recommended! Dilshani was humble and polite throughout the process.

Boris Metlenko

2024-05-13

Friendly and professional mortgage broking service. Highly recommend. Positive outcome every time.

Angeline Tuituiohu

2024-04-23

Dilshani has been nothing but amazing! Buying our first home together is daunting and overwhelming. Dilshani calmed me in every single step of the way and re-assured me that everything would be okay. Her service was amazing and she goes above and beyond to ensure we were happy with everything. I have already and will continue to recommend her service to everyone! So lovely inside and out. Thanks so much to the team at Impact Homes x

Harj Sandhu

2024-03-03

I met with Dilshani few months back, as I was referred by a friend who is a Client of hers. I was not disappointed. She was amazing and sincere. I felt very comfortable with her and she is as genuine as they come! Her advice and guidance was purely in my best interest, and there was no pressure or push otherwise. I would highly recommend anyone needing any financial guidance and support to go and meet her. She will definitely look after you. I am certainly going back to her for future business. Thank you Dilshani. Keep up the good work 😊

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