Lending Solutions

Get expert advice on your loan

We are your local finance broker.  We have 30 years business experience and understand the challenges that owning your own business has.  We are here to help you buy your first home or finance the machine you need to keep your business going.  Our role is to help you navigate through the competitive and everchanging financial landscape to fine the right loan for you.

As the market becomes increasingly complex more people turn to finance brokers.  We can save you time and give you choice as we shop around on your behalf.

We go into negotiate on your behalf making the process simple and as fast as possible avoiding the pitfalls and find the loan that suits your circumstances.

You may be entering the market for the first time or building an investment portfolio.  We can access hundreds of loan products from a host of Australian lenders.

We take the fuss out of setting up a mortgage finding the right loan for your circumstances and manage the process from start to finish.

You can meet with us at any stage.  You may be saving for your first home, or looking at unlocking equity in your current home; or simply making sure that you are getting the most appropriate deal from your current lender. 

You can make a obligation-free appointment with us at a time and place that best suits you.  We will ask about your financial circumstances and objectives to find out what is important to you.  We will research the market to find a solution that is tailored to you.

Contact us today for your obligation free confidential appointment, As professional brokers, we belong to the 

Financial Ombudsmen Service: Member 29723

Free call:1800 367 287

Fax: ​​03 9613-6399


Website:​ ​http://www.fos.org.au

Mail:​​Financial Ombudsman Service Ltd

​​​GPO Box 3

​​​Melbourne VIC 3001

We are committed to providing our customers with the best possible service.  If at any time we have not met our obligations – or you have a complaint about any of our services – please inform us so we can work towards a resolution.  We will endeavour to deal with your complaint promptly, thoroughly and fairly

If we have a complaint, we request you follow these steps:

1. In the first instance, please contact the ratesonline.com.au Pty Ltd Complaints Manager on 1800 466 050.
2. We may ask for additional information and request you to put your complaint in writing to ensure your issue is properly investigated.
3. In cases where your complaint will take longer to resolve, we will update you progressively.


Third party Products or Services

If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contract the relevant third party.  They will deal with your complaint under their complaints resolution process.

If you are not satisfied with the resolution of your complaint by the third party under their complaints resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme.  Please contact the third party for further details.

Keeping you Informed

Our Complaints Manager will acknowledge receipt of your complaint within five business days.  If unable to resolve the complaint/dispute to your satisfaction within five business days, they will write to you advising the procedures we will follow in investigating and handling your complaint.

Within 45 calendar days from the date you lodged the complaint with us, we will write to you advising you the outcome of the investigation and the reason/s for our decision, or if required, we will inform you more time is needed to complete the investigation.


We can assist you with

Meet Sergio
"I have completed a Certificate IV in Financial Services and accreditated with the major banks and a host of other lenders. With over 30 years’ experience in my own businesses it has helped me to assist many small businesses with their financial needs. Listening to my clients and deciphering their financial data I can put proposals together on behalf of clients to Lenders to get the right result. At the end of the day it’s about helping people to achieve their goals. FBAA: 105212"
Meet Sandra
"I love helping people to achieve their dreams and goals and finance broking provides that opportunity. My background in teaching, running a family owned business and providing bookkeeping services to other small/medium sized business has provided valuable experience and understanding which I utilize to help my clients. I am a mother to three adult children so I have known the financial constraints of budgeting when buying the family home and all the stress it can place on you financially. I like to meet new clients and find out their story. As a broker, I can review our panel of lenders to source an option that is tailored to you. You can then make informed decisions that make sense to you and can help plan to see your goals come to fruition. FBAA: M-330005 Link to FBAA: why use a broker."

We negotiate rates with more than 30 lenders for you

Plus many more…


Enter your details to estimate how much you could borrow. 

Loan Repayment Calculator

Estimate your home loan repayments and work out how to repay it faster.

Borrowing Power Calculator

Estimate your home loan repayments and work out how to repay it faster.

Budget Planner

Estimate your home loan repayments and work out how to repay it faster.

Comparison Rate Calculator

Estimate your home loan repayments and work out how to repay it faster.

Stamp Duty Calculator

Estimate your home loan repayments and work out how to repay it faster.

Rent vs Buy Calculator

Estimate your home loan repayments and work out how to repay it faster.

Disclaimer: The calculations do not take into account all fees and charges. The results provided by this calculator are an estimate only, and should not be relied on for the purpose of making a decision in relation to a loan. Interest rates and other costs can change over time, affecting the total cost of the loan. Borrowers should consider discussing their individual situation with a qualified Australian Credit Licensee or authorized Credit Representative.

Verbeena Pty Ltd t/as Sersan Financial and Sersan Finance Brokers (A.C.N: 09S 902 060)
Sersan Finance Brokers is a corporate Credit Representative (480817) of ratesonline.com.au Pty Ltd (A.C.N: 122 0S2 S82) Australian Credit Licence 384404