Countless people trust Alpha 1 Financial Solutions to find the right finance solutions for them.

Our team is leading the way in personalised credit advice. You deserve greater loan flexibility, the most competitive interest rates, fast turnaround times. Find out how we can make your financial goals a reality.

We can help you...

Buy a Home to live in or an investment property?

Refinance for a better rate?

Consolidate Debt into manageable payments?

Make an important purchase or renovate?

Frequently Asked Questions

Not sure if you are ready to start? Read our frequently asked questions below to give yourself peace of mind to get your finances moving in the right direction.

We will receive your completed form and an Alpha 1 Financial Solutions team member will reach out to you either via phone or email.

Once you have filled out the form and we reach out to you, we my ask for supporting documents such as;

  • Payslips
  • Income Summary for the current or previous financial years
  • Loan Statements
  • Other supporting documents to confirm your position as required

For us to give you the most accurate picture of how much you can borrow we will need to understand how much income was from overtime, commission or allowances etc. as different lenders treat these forms of income differently. Length of employment also plays a factor in the percentage of this type of income that will be used to calculate finance.

Every lender is different in their approach to employment length. It is best to discuss your personal situation with our qualified team members.

Some lenders allow certain types of Centrelink payments as part of your income, though each lender treats these differently and some Centrelink payment types may not be accepted.

Depending on what the issue is, how much it was, how long ago it happened, the circumstances by which it happened, and whether it was paid or left unpaid can all have an impact on the answer to this. Speaking with our team may be the best option to assess your options.

How much you can borrow is determined by income and debt level. Different debts have different impacts on borrowing capacity and are best discussed with one of our lending team to advise on your individual circumstances.

We recommend at the very least 5% of the purchase price for a new construction loan, or 7% of the purchase price for an established home loan.
*Some lenders allow 2% deposit under certain circumstances and best discussed with one of our lending team

Yes, there are several fees that you need to be aware of.

  • Stamp duty
  • Mortgage insurance (if you have less than 20% deposit)
  • Mortgage transfer costs
  • Other Government Fees
  • Legal Fees

In some cases, these other fees and charges can be added into the loan amount.