Welcome to SAT Home Loan
Finance That Starts with Your Future, Not Just Your Loan
How can we help you today?
Rated 5 from 69 Reviews
Welcome to SAT Home Loan
Rated 5 from 69 Reviews


















































WT
William Tao
Our heartfelt thanks and gratitude go to Ashleigh and Steven, for not only helping us buy our dream family home, but for setting us on a path to financial security. We were torn between a need to upsize, and the desire to enter the investment market. Ashleigh's comprehensive review of our financial situation, and subsequent guidance, helped us achieve both! We love their refreshing approach to communication and scheduling, working around our busy lifestyles as parents and full time workers. We have been to mortgage brokers before, but no-one comes close to the care and genuine approach of the team at SAT. They were able to maximise use of our equity, whilst allowing us to maintain a good lifestyle. They show a lot of care and pride in their work, are very responsive to enquiries, and you won't feel like just another number or loan to them. If you're reading this, you're likely to have been thinking along the same lines too. We highly recommend you reach out to SAT, and give them a go.
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Jenny Nguyen
Steven helped us with purchasing our future family home and I cannot recommend him enough. The level of detail and attention he gives is truly exceptional. He goes above and beyond to make sure everything is understood, every option is ...
SB
Shaun Bennett
Steven was fantastic to work with. He pushed hard to get our refinance approved within a tight deadline and made the whole process straightforward. His advice was on point and kept us informed every step of the way. Highly recommended.
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.
BOOK A MEETINGOf 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.
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.
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.
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.
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.
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.