About SAT Home Loan
Our mission: helping you to "Own your Home. Build your Investments. Grow your Wealth"
Rated 5 from 60 Reviews
Rated 5 from 60 Reviews
Trusted Experts. Tailored Solutions. A Family-Owned Mortgage Broking Firm in Parramatta.
At SAT Home Loan, we help you move forward with confidence, whether you’re buying your first home, expanding your investment portfolio, or refinancing for a better future. As a family-owned and operated business based in Parramatta, we treat every client like family. That means we take the time to understand your goals, walk you through your options clearly, and go above and beyond to secure the right loan strategy for your needs.
With more than 25 years of combined experience in mortgage broking and financial planning, Directors Steven and Ashleigh Ton have guided hundreds of Australians through every step of their property journey. From securing a pre-approval to reviewing your loan after settlement, we’re with you for the long term.
But what sets us apart isn’t just what we do, it’s how we do it.
We believe in empowering you with knowledge, offering proactive support, and always putting your best interests first. We know that getting the right loan isn’t just about interest rates. It’s about building security, protecting your future, and creating space to grow, whether that’s starting a family, renovating your home, or investing for retirement.
Our in-house financial planning capability means we see the bigger picture, not just the mortgage. We design lending solutions that support your broader goals, so your home loan becomes a stepping stone, not a setback.
With access to over 45 lenders including the big four, specialist lenders, and broker‑only products, we do the legwork and give you the advantage in negotiations. No jargon. No stress. Just clear advice and tailored solutions.
Why Clients Choose SAT Home Loan
Steven and Ashleigh Ton aren’t just mortgage brokers, they’re strategic partners on your journey to financial freedom. With decades of industry experience and a deep commitment to ethical, client-first advice, they’ve helped hundreds of families achieve property ownership with clarity and peace of mind.
Their warm, approachable style means you’ll feel supported from your very first call. They explain the process in plain language, answer every question, and follow through with care, because to them, it’s never just a loan. It’s your life.
With nearly three decades of combined industry experience, SAT offers a unique blend of services that prioritise understanding and alignment with your long-term financial goals before initiating any loan discussions.
Our directors are Financial Planners and Mortgage Brokers, thus ensuring that we provide comprehensive and actionable advice, not just theoretical guidance.
While securing a loan for property purchase can be straightforward, your long-term objectives may require a complete strategy and structure overhaul. SAT recognises this and begins the conversation by focusing on your long-term goals.
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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 explained, and every step feels supported. Hands down the best broker I’ve ever worked with. If you’re looking for someone trustworthy, dedicated, and absolutely committed to helping you reach your goals, Steven is the one!
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Tom Luu
SAT has been fantastic to work with and helped me bought the property I want. Ashleigh and her team are very knowledgeable and responsive, they have guided me through multiple hurdles and delivered results. Highly recommended!
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chau vo
Ash and Steven always go above and beyond and have helped us secure multiple investment properties. They’re easy to talk to, they both care a lot about their work (and they have a deep understanding of all the ins and outs), and have helped us find a lot more financial freedom and flexibility. We have been working with them for years and will continue to do so for many more !!
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.
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.
SAT Home Loan Pty Ltd ABN: 68 646 473 243. Credit Representative #406309 is authorised under Australian Credit License #389328.
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
SAT Home Loan Pty Ltd acknowledges the Dharug people who are the traditional custodians of the land of Parramatta. SAT pays respect to the elders past and present of the Dharug nation and extends that respect to other Aboriginal people visiting this site.