"Peace of mind, one stop service. It was my greatest honor to meet Keyur. If you're thinking of buying, KB is the person to go for. Contactable, helpful and trustworthy. Highly recommended!"
Celina Li
Expert Financing 
Build Wealth
Through Property
— with the right
Finance Strategy.
Specialised mortgage solutions for Australian property investors and first home buyers, backed by expert guidance on every step of the way.
Our Services
Explore Our Services
Comprehensive financial solutions tailored to your unique needs and goals
Home Loan
Whether you are buying your first home or looking to find second dream house, we provide flexible home loan solutions with competitive rates.
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Featured
Investors Loan
Need to finance and grow your investment portfolio, we assist with tailored investor loan packages designed for property investors.
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Construction Loan
Looking to do home extension, granny flat or a double storey, you can access construction loans with progress payment options.
Explore Service ↗ Commercial and Business Loan
Expand your business with our commercial loan solutions designed to help your business grow and thrive in competitive markets.
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SMSF Loan
Invest in property through your Self-Managed Super Fund with our specialized SMSF lending solutions and expert guidance.
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Personal/Car Loan
Get the car you want or finance personal expenses with our flexible personal and car loan options at competitive interest rates.
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Our Value
Your success
is our priority.
Our mission is to empower businesses of all sizes to thrive in an ever-changing marketplace.
90%
Growth in business last month
40+ lenders
Our lending portfolio includes all major banks, cooperatives, and non-banking financial institutions.
Personalised Loan Guidance
We tailor our services to each client’s unique needs, aligning our approach with their financial goals and current circumstances.
Excellent Customer Service
We provide clear guidance and timely updates throughout the process to ensure a smooth and informed loan experience.
Fast Approval Process
Experience fast, hassle-free loan approvals through our digitally managed process, supported by clear upfront document requirements.
ACL, CRN Licensee & FBAA Member
In addition to our extensive experience and refined processes, we hold all required industry licenses and memberships, further strengthening our credibility.
How it works
Our engagement
process:
From initial consultation to settlement,
we guide you through
every step.
Initial consultation
We take into account your financial position, including your income, existing liabilities, and overall requirements.
Present loan options
We present a range of loan options from various lenders that best align with your requirements and guide you in selecting the most suitable one.
Lodge application
We securely collect the required documentation through our digital process and assist you in lodging your loan application as quickly as possible.
Formal approval
As one of the top-rated mortgage brokers, we can help you get pre-qualified, obtain lender pre-approval, or secure a commitment letter from our network of 40+ lenders—often within just one day.
Settlement
We support you through every stage of the loan process—from approval to disbursement—ensuring a smooth path to settlement for your property or investment.
We’ll contact you within one business day. Get Free Quote
Trusted Company
Digital Application
Enables Fast and
Reliable Service to Client
SAI Finance shops for your dream home or already have a purchase contract? As one of Perth top-rated mortgage brokers, we can help get you pre-qualified, pre-approved by a lender, or help you obtain a commitment letter from our range of 40+ lenders in as little as one day.
1
We have digitized the entire loan application process
2
Secured digital forms
3
Secured and encrypted data to ensure a secure end-to-end loan process
4
Save loan application time
5
Pre-approvals approvals within an hours
6
Reduced loan processing time from weeks to just a few days
Testimonial
Reviews from our
customers
"He made the refinancing of our home quick and easy with no stress. He explained everything I needed to know and helped us throughout the process. In less than 8 weeks, settlement was done."
Leslee Anne Pane
"Keyur helped us assess our home refinance. Highly recommend him for his skills. He is professional, prompt in communication and coordination, and provides clever solutions in structuring the home loan."
Ajeet Mistry
"Keyur helped us refinance our home. I thought it would be tedious, but the process was smooth. He is very professional and knowledgeable in every detail and information. He gives advice whenever necessary and is someone you can trust and depend on. Thank you, KB. Clint and I speak so highly of you."
Charl Ang
About Us
Keyur Bandhara
Founder and Director
ACL#478761, CRN#529186
Keyur Bandhara (KB) is a seasoned finance professional with more than 16 years of experience in mortgage and home lending, known for his deep expertise in credit assessment, loan structuring, and guiding clients through complex lending scenarios. Drawing on 12 years in major banking institutions—spanning roles as a Credit Analyst, Mobile Home Finance Manager, and end-to-end lending specialist—he brings a strong command of credit policy, risk evaluation, and lender processes. Over the past several years as Director and Finance Broker at SAI Finance, Keyur has built a reputation for delivering personalised, strategic lending solutions for homebuyers, investors, and refinancers. His approach is grounded in clarity, accessibility, and a genuine commitment to making homeownership stress-free, ensuring every client receives tailored advice aligned with their financial goals.
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Questions
Have any questions?
here some answers
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What does a mortgage broker do, and how do you help clients?
A mortgage broker acts as an intermediary between you and multiple lenders to find the most suitable loan for your situation. We assess your financial position, borrowing capacity, and long-term goals, then compare loan products across banks and non-bank lenders. Our role is to simplify the process, negotiate competitive rates, and guide you from application through to settlement and beyond.
Why should I use a mortgage broker instead of going directly to a bank?
Brokers compare multiple lenders and products, not just one bank's offer. We can help you save time, access competitive rates, and structure the loan to match your goals while guiding you through the approval process.
Do you help first home buyers, and what support do you provide?
Yes. We help you understand borrowing capacity, grants or incentives, pre-approval, and the documentation required. We also guide you from application to settlement so you feel confident at every step.
How do you help property investors build a long-term portfolio?
We provide strategy-driven advice on loan structure, equity use, and future borrowing capacity. Our goal is to help you scale sustainably while keeping repayments manageable.
Can you assist with SMSF (Self-Managed Super Fund) property loans?
Yes. We can help you understand SMSF lending requirements, structure limited recourse borrowing arrangements, and work with specialist lenders to secure compliant finance.
How are you paid, and does it cost me anything to use your services?
In most cases, our service is at no direct cost to you. We are paid by the lender once your loan settles. If a fee ever applies for a particular scenario, we will explain it clearly upfront before you proceed.
How do you ensure your advice is in my best interest?
We take the time to understand your goals, income, and liabilities, then compare options across multiple lenders. Our recommendations focus on suitability, long‑term affordability, and flexibility, and we explain the pros and cons before you decide.
How long does the mortgage process usually take?
Timeframes vary by lender and complexity, but pre‑approval can often be obtained in a few business days. Full approval and settlement typically take several weeks. We keep you updated at every step to avoid delays.
What documents do I need to get started?
Typically we’ll need ID, income evidence (payslips or tax returns), recent bank statements, details of existing debts, and information about the property. We provide a checklist tailored to your situation.
What is the next step if I want to speak with you?
Book a free strategy call. We’ll discuss your goals, confirm your borrowing capacity, and outline the best options and next steps for your loan.