How long does a typical refinance take?

One client's refinance was completed quicker than expected, though timing depends on circumstances. The team uses an online portal to streamline documentation.

Do you handle complicated situations like existing defaults?

Yes. One client had an undisclosed default successfully removed from their record during the process, and the team has navigated property classification disputes with lenders.

Can you help if I'm a first-home buyer with no prior experience?

Yes. Multiple first-time buyers describe being walked through every step, having questions answered patiently, and feeling confident by settlement.

Elite Finance Australia - Home Loans

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 202 Google reviews · How we rank ›

5.0(202) 95 composite score See reviews on Google ✓ Google-verified

First Home Buyer LoansSelf-Employed & Low-Doc LoansInvestment Property FinanceRefinancingCar & Personal LoansMortgage BrokerConstruction & Building LoansCommercial & Business Finance

Location: Osborne Park
Services: First Home Buyer Loans, Self-Employed & Low-Doc Loans, Investment Property Finance
Reviews: 202
Ranking: #29 in First Home Buyer Loans
Best for: first-home buyers, repeat property investors, clients with complex financial circumstances

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Clients consistently praise Elite Finance for turning what feels like an overwhelming process into something straightforward. Matt, Div, Paula, Chris, Kim, Rachel and other named staff members appear across reviews as the reason people felt guided, informed, and genuinely cared for from application through settlement. Reviewers repeatedly mention being supported through first-home purchases, refinances, investment builds, and complex cases involving defaults or unusual property classifications. The team's availability and willingness to explain each step clearly emerged as a defining strength, with several mentioning they would return for future finance needs.

Team members handle multiple property purchases and complex scenarios without typical delays. One couple progressed faster than expected on their refinance. Another managed a default removal and property classification challenge successfully. Clients note the online portal was straightforward to use. Across 19 five-star reviews and one four-star (which still recommended them after a slight hiccup), the tone is consistently grateful rather than transactional.

Praised for

knowledgeable and patient staff
clear communication at every step
felt supported and cared for
responsive and available
guided through complex processes

responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokergreat-with-first-home-buyerspatient-with-questionshandled-complex-situationsmooth-settlementreliable-followup

Best for: first-home buyers, repeat property investors, clients with complex financial circumstances

Think twice if: none apparent from reviews

What are they good at?

long-term client relationships (one client since 2018, another since 2023)
named staff expertise (Matt, Div, Paula, Chris, Kim, Rachel)
handles complex scenarios (defaults, property classifications, construction finance)
multi-property support across first home, refinance, and investment

Worth knowing

Matt Posselt leads the team; key staff include Div (Divyang Patel), Paula, Chris Thorson, Kim Neele, Rachel (Client Services Manager), and Aggie
handled refinance and new home application simultaneously for one client
removed a default from applicant record that initial meeting did not flag
worked around bank classification issues (property deemed 'remote' by one lender)
online portal available for document management
Australian Credit Licence 389087

What reviews say by service

First Home Buyer Loans: Consistently praised for guiding first-time buyers through overwhelming process; multiple reviewers note clear explanations and reassurance.
Refinancing: Praised for smooth, faster-than-expected refinance experiences; clients felt kept informed and supported.
Investment Property Finance: Handled investment builds and property purchases, including cases where clients initially thought achievement was impossible.
Construction & Building Loans: One reviewer worked with team on strategy for investment build project over extended period.
Self-Employed & Low-Doc Loans: No direct evidence in review text.

How it compares

Rated 5 against a 4.92 average across the 365 first home buyer loans businesses listed here.
Has more Google reviews than 94% of the businesses in this directory.

How we scored this

Scoring Method

Star rating 99

Review volume 100

Review recency 100

Review sentiment 81

Profile completeness 100

Verification 30

Rating breakdown

200

FAQ

How long does a typical refinance take?: One client's refinance was completed quicker than expected, though timing depends on circumstances. The team uses an online portal to streamline documentation.
Do you handle complicated situations like existing defaults?: Yes. One client had an undisclosed default successfully removed from their record during the process, and the team has navigated property classification disputes with lenders.
Can you help if I'm a first-home buyer with no prior experience?: Yes. Multiple first-time buyers describe being walked through every step, having questions answered patiently, and feeling confident by settlement.

Contact

Phone: +61481984268
Website: http://www.elitefa.com.au/
Address: 179 Main St, Osborne Park WA 6017
Open in Google Maps

Last verified 2026-08-30

Opening hours

Monday: 00:00-24:00
Tuesday: 00:00-24:00
Wednesday: 00:00-24:00
Thursday: 00:00-24:00
Friday: 00:00-24:00
Saturday: 00:00-24:00
Sunday: 00:00-24:00

As listed on Google.

From their website

Services listed

Home loansFirst home buyer adviceRefinancingInvestment property loansBusiness loansAsset and equipment financeInvoice finance and accounts receivableWorking capital finance

Credentials claimed:Australian Credit Licence: 389087

As published by the business on its own website; not independently verified.

Find more in this area

Osborne Park

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