Question 1

How can Folio Financial Services support your first home purchase?

Accepted Answer

Yes — Folio Financial Services can help you take the next step toward buying your first home. You’ll get support to understand your borrowing power, compare suitable loan options and prepare your application with confidence. Folio can also guide you through the process so it feels simpler from start to finish.

Question 2

What support can you get from Folio Financial Services for investment property finance?

Accepted Answer

Folio Financial Services can help you look at investment property loan options that match your goals, budget and cash flow. Folio can also help you assess your borrowing capacity, compare features and structure your finance in a way that supports your investment strategy.

Question 3

What loan products are available at Folio Financial Services?

Accepted Answer

Folio Financial Services offers a variety of loan types, including:

- Standard home loans for borrowers with full documentation
- Alt Doc home loans for self-employed or non-traditional income earners
- Expat and non-resident home loans for overseas or foreign borrowers
- SMSF (Self-Managed Super Fund) loans for property investment through superannuation
- Business loans for commercial or operational funding needs
- Flexible loan solutions tailored for varying financial situations

Question 4

What costs and fees could apply to your loan?

Accepted Answer

The costs involved can vary depending on the loan and lender you choose. You may need to budget for lender fees, government charges and other third-party costs. Folio Financial Services will help you understand any known fees early, so you know what to expect before you move ahead.

Question 5

How can refinancing with Folio Financial Services benefit me?

Accepted Answer

Refinancing with Folio Financial Services can help you secure a better interest rate, reduce your monthly payments, or access home equity for other financial needs. Our specialists will work with you to find the best refinancing options tailored to your circumstances.

Question 6

Can you get finance with Folio Financial Services if you’re self-employed?

Accepted Answer

Yes — Folio Financial Services can help you explore finance options if you’re self-employed. You may be able to use alternative documentation or other suitable loan structures, depending on your circumstances. Folio will work with you to find a solution that fits your income pattern and borrowing needs.

Question 7

What is an agreement in principle, and why should I get one?

Accepted Answer

An agreement in principle is an indication from a lender of how much you may be able to borrow, based on the information you provide. It’s a helpful first step because it gives you a clearer budget, helps you shop with confidence, and can put you in a stronger position when you find the right property. Folio Financial Services can help you secure one online and guide you through the next steps.

Question 8

Can you explain the different types of home loans offered by Folio Financial Services?

Accepted Answer

Folio Financial Services offers a range of home loans to suit different needs, including standard home loans, Alt Doc home loans for self-employed individuals, expat and non-resident home loans, and SMSF loans for property investment through superannuation. Each product is designed to cater to specific financial situations and goals.

Question 9

What is the process for applying for a loan with Folio Financial Services?

Accepted Answer

Applying for a loan with Folio Financial Services is straightforward. Start by contacting us via our website, phone, or email. Our team will guide you through the necessary documentation and steps, from initial consultation to final approval. We ensure a smooth and transparent process to help you secure the best loan for your needs.

Question 10

What paperwork should you prepare for a home loan application?

Accepted Answer

Having your documents ready can help your application move faster. In most cases, you’ll need proof of identity, recent payslips or income records, bank statements, details of your savings or deposit, and information about any existing debts or expenses. If you’re self-employed, you may also need extra financial records. Folio Financial Services can let you know exactly what you need based on your situation.

The Folio Team

Surinder Agnihotri

Director and Chief Executive Officer​

Ben Kirby

General Manager Wholesale Distribution

Kris Kumar

Commissions Manager

Kian Yap

Credit Manager

Kristy Coonan

Credit Analyst & Support

Nell Wilson

Arrears & Discharge Specialist

Campbell Richardson

Commissions Assistant

Roxanne Piggott

Chief Operating Officer

Sean Richardson

Executive Director, JP, Dip FS (FP) (Finance)

Beijing Uata

Operations Manager

Harrison Agnihotri

Marketing & Digital Communications officer

Emma Meadows

Customer Service Specialist

Sandeep Agarwal

Salesforce Developer

Frequently asked questions

How can Folio Financial Services support your first home purchase?

What support can you get from Folio Financial Services for investment property finance?

What loan products are available at Folio Financial Services?

What costs and fees could apply to your loan?

How can refinancing with Folio Financial Services benefit me?

Can you get finance with Folio Financial Services if you’re self-employed?

What is an agreement in principle, and why should I get one?

Can you explain the different types of home loans offered by Folio Financial Services?

What is the process for applying for a loan with Folio Financial Services?

What paperwork should you prepare for a home loan application?

Phone: 1300 304 572

Folio Financial Services

Email: Customer.service@folio.com.au

Postal Address: PO Box A553, Sydney South, NSW 1235

Office Address: Level 2, 36 Hickson Road, MILLERS POINT, NSW 2000

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Folio Financial Services is a trading name of Australian Loans & Mortgages Pty Ltd | ACN 142 403 790 | Australian Credit License 385213 | Privacy Policy | Credit Reporting Policy | ESG Policy

Director and Chief Executive Officer

Phone:
1300 304 572

Email:
Customer.service@folio.com.au

Postal Address:
PO Box A553, Sydney South, NSW 1235

Office Address:
Level 2, 36 Hickson Road, MILLERS POINT, NSW 2000