Home and investment loans. With a wider perspective.

Home and investment lending in Bowral, Mittagong, Moss Vale and across the Southern Highlands. Buy, invest or refinance around your income, property and plans.

What are you working towards?

Buy a home

Work through your deposit, purchase costs and repayments before you commit.

Explore the first home buyer guide

Invest in property

Consider rental income, expenses, existing debt and the structure behind your next investment.

Explore Southern Highlands property finance

Refinance

Compare repayments, offset use and flexibility alongside the costs of changing lenders.

Discuss your current lending

Make the next move

Work through timing, available equity and repayments, including whether bridging finance may fit.

Explore bridging and downsizing

Plan your finance.

Explore repayments, extra repayments, offsets, investment cash flow and buying costs. Keep a scenario and compare it with changes to your inputs.

Explore the calculators

Your circumstances make the difference.

Self-employed income, multiple properties or a purchase before you sell can need a closer look. We review the wider position, structure the lender approach and coordinate the process through to settlement.

Property finance around the wider position.

Income, existing property, available equity and timing can matter as much as the purchase price or advertised rate.

Reviewed by James Alexander, Director: Nearly two decades in banking and finance, specialising in complex transactions. Reviewed 7 September 2026.

Buying before the current home is sold

Objective

Plan a Southern Highlands purchase where sale and purchase dates do not neatly align.

What we test

Peak debt, serviceability, available equity, purchase costs and a realistic sale or refinance exit.

Execution

Coordinate valuation, lender conditions and settlement timing around both properties.

Self-employed or portfolio lending

Objective

Purchase or refinance when business income, multiple loans or residential investments add complexity.

What we test

Verified income, commitments, rental income, ownership, equity and the purpose of the proposed debt.

Execution

Present the wider position clearly and compare structures that fit the next property decision.

Client perspective

“James was absolutely amazing throughout the entire process, he was very knowledgeable and took the time to explain every step to me. I would highly recommend James to anyone who requires a Mortgage Broker.”

“James was super helpful in navigating our first home loan, he stuck with us for 18 months and was always available. Highly recommend!”

Transaction structures are representative only. They describe the work Pendium is equipped to do, not case studies, lender policy or a promise of approval, pricing or timing. Every transaction turns on its own facts, the contract and the lender.

Start a home loan enquiry

Contact Pendium Finance

Southern Highlands home and investment loans

Phone: 1300 876 410 | Email: loansupport@pendiumfinance.com.au

Perth: 204/96 Mill Point Road, South Perth WA 6151

Sydney: Bay 5 North, Locomotive Street, Eveleigh NSW 2015

Pendium Finance Pty Ltd (ACN 662 388 838) — Credit Representative 543457, authorised under LMG Broker Services Pty Ltd (Australian Credit Licence 517192).