Welcome to SAT Home Loan

Finance That Starts with Your Future, Not Just Your Loan

How can we help you today?

Rated 5 from 53 Reviews

Home Loans

Home Loans

Whether you’re buying your first home or upgrading to your next, we tailor the right loan to fit your goals and lifestyle.
Investment Loans

Investment Loans

From your first investment to building a property portfolio, we structure smart loan solutions to help you grow wealth with confidence.
Refinancing

SMSF Loans

We help you unlock your super to invest in property through tailored SMSF lending solutions built for long-term growth and control.

SAT Lender Accreditations

Ready to chat to a qualified Mortgage Broker?

Our Services

Home Loans

Whether you’re buying your first home or upgrading to your next, we tailor the right loan to fit your goals and lifestyle.
Find out more about Home Loans

Investment Loans

From your first investment to building a property portfolio, we structure smart loan solutions to help you grow wealth with confidence.
Find out more about Investment Loans

Refinancing

Refinancing can lower your rate, unlock equity, and realign your loan with your financial goals, and we make the process seamless from start to finish.
Find out more about Refinancing

First Home Buyers

Buying your first home is a big step—our expert guidance, clear advice, and tailored loan solutions make it easier and less overwhelming.
Find out more about First Home Buyers

Construction Loans

From vacant land to dream home, we structure flexible construction loans that support each stage of your build with confidence and control.
Find out more about Construction Loans

Commercial Loans

Whether you’re purchasing a premises or expanding your business, we tailor commercial loan solutions to support your growth with strategic clarity.
Find out more about Commercial Loans

Business Loans

We help you access the right business finance to manage cash flow, fund growth, or seize new opportunities, with strategy led lending.
Find out more about Business Loans

Equipment Finance

From vehicles to machinery, we secure flexible equipment finance solutions that keep your business moving without tying up your capital.
Find out more about Equipment Finance

Reviews for SAT Home Loan

LD

Laura Di Iorio

Steven and Ash are more than just brokers or financial advisors, they’ve been trusted friends. Their kindness, patience, and dedication have given us the confidence to make big decisions with ease.

DI

DI IORIO The Hairdresser

Working with Steven and Ash has been superb. Their communication throughout the process was amazing, with the presentation of our options being the highlight. Everything was made clear to understand and left very little questions moving ...

AC

Acecon Concrete Admin

Ashley from Sat financial has been helping us for over 5 years, always supportive always available if we have any questions and offers the best rate and advice. Highly recommend

Not sure where to start?

Book a chat with a Mortgage Broker at SAT Home Loan and we can help point you in the right direction.

SAT Home Loan

About SAT Home Loan

At SAT Home Loan, we specialise in helping Australians buy their first home, grow investment portfolios, or refinance with clarity and confidence. As a family-owned mortgage broking firm based in Parramatta, we take a personalised, long-term approach, treating every client like family and tailoring advice to your goals.

With over 25 years of combined experience in mortgage broking and financial planning, our directors Steven and Ashleigh Ton bring deep expertise and a genuine care for your financial future. We believe the right loan starts with the right plan, so we take the time to understand your full picture before recommending any solutions.

Backed by access to over 45 lenders including the big four, specialist lenders, and broker‑only products, we handle the legwork and negotiation for you. From pre-approval through to post-settlement reviews, we offer clear advice, proactive support, and holistic strategies that move you closer to your long-term financial goals.

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Frequently Asked Questions

Can you help with refinancing an existing Mortgage?

Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.

What kind of interest rates can you offer?

We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.

Why should I use a Mortgage Broker?

Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.

Can you help First Home Buyers?

We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.

Can you only help with Home Loans?

We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.

Are your mortgage brokers licensed and accredited?

All of our Mortgage Brokers are accredited and members of the Finance Brokers Association of Australasia. They are extremely professional and provide exceptional service across a range of lending options.

Ready to speak to an expert?

Book a chat with a Mortgage Broker at SAT Home Loan today.