Securing a Home Loan as a Single Parent

At Shern Advisory Financial Broker, we understand that single mums and dads face unique challenges when it comes to purchasing a home. Balancing family, finances, and future planning is no small feat — and securing a home loan shouldn’t be an added stress. That’s why we’re committed to making the single parent home loan process simple, supportive, and successful.

Melbourne Finance Brokers Providing First Home Loans Solutions

Fast
Speed Without Risk
Simple
We collect, check, submit—end to end
Jason, Senior Finance Broker
Our Team Experts

Meet the Experts Behind
Your Financial Growth

Jason Kuan

Founder & Mortgage Broker

Jason Kuan Profile

Audrey

Operations Director

Audrey Profile

Kate

Loan Processor & Administrator

Kate Profile

Mortgage Solutions

🔑

First Home Buyers

Helping you get into the property market.

Buy Your First Home
📈

Investment Loans

Grow your property portfolio with strategic investment loans.

Grow Your Investment Portfolio
📜

Trust Loans

Loans designed for properties held in a trust structure.

Explore Trust Loan Options
🔄

Refinancing

Review your mortgage and access better loan products.

See Refinance Opportunities
🏘️

Rentvesting

Invest where you can afford while living where you love.

Learn About Rentvesting
💰

Equity Release

Unlock equity in your home for retirement or other needs.

Unlock Your Home Equity

Custom Loans

🔑

Low-Deposit Loans

Helping you get into the property market with a smaller deposit.

See Low-Deposit Options
📊

SMSF Loans

Invest in property through your Self-Managed Super Fund.

Use SMSF to Invest in Property
🌉

Bridging Loans

Simplify your move from one property to another.

Bridge the Gap Between Homes
🛡️

LMI Waived Loans

Save thousands with waived Lenders Mortgage Insurance.

Find LMI Waived Loans
🧱

Renovation Loans

Upgrade your home with custom renovation financing.

Fund Your Renovation Plans
🏢

Commercial Property

Finance solutions for buying or investing in commercial real estate.

Finance Commercial Property
🏦

Home Equity Loans

Tap into the equity in your home to achieve your financial goals.

Access Your Home’s Equity
🏖️

Holiday Home Loans

Make your dream holiday property a reality.

Holiday Home Loans
🌿

Green Home

Loans for energy-efficient and sustainable homes.

Go Green with Home Loans
💳

Tax Debt Consolidation

Consolidate your tax debts into a manageable loan.

Consolidate Tax Debts
👴

Retirement Mortgages

Secure lending options tailored for retirees.

Loans for Retirement Life
↩️

Reverse Mortgages

Unlock income from your home’s equity during retirement.

Explore Reverse Mortgages
➡️

Changing Home Loans

Switch to a loan that suits your current lifestyle.

Change Your Home Loan
🏡

Second Home Loans

Finance options to purchase your second property.

Buy a Second Property
♻️

Debt Recycling

Turn your home loan into an investment engine by recycling debt strategically.

Learn About Debt Recycling

By Profession

🩺

Doctors

Specialist home loans tailored to medical professionals.

Home Loans for Doctors
👩‍⚕️

Nurses

Flexible home loans designed for nursing professionals.

Explore Nurse Loan Options
⚖️

Lawyers

Expert guidance and lending options for legal professionals.

See Lawyer Loan Solutions
📚

Teachers

Tailored home loans for education professionals.

Loans for Teachers
📊

Accountants

Choose to a loan that suits you.

Loan Solution for Accountants
🛠️

Engineers

Specialist home loan options and LMI waivers tailored for engineers.

Explore Engineer Home Loans
👨‍💼

Sole Traders

Flexible home loan solutions tailored for self-employed and sole traders.

See Sole Trader Loan Options
🧾

Self-Employed Loans

Flexible home loan options for business owners and freelancers.

Loans for Self-Employed
💼

Investors

Tailored strategies and lending solutions for experienced investors.

Let's Talk Strategies

Rates & Updates

📉

Latest Interest Rate Update

Stay informed with the most recent rate changes and news.

Check the Latest Rates
📝

Blogs & Guides

Learn About the Best Mortgage Strategies, Tips & Guides

Insights & Broker Advice

Speak to a Senior Finance Broker

We’re excited to assist you with your first home loan journey and help you take that exciting first step into home ownership with ease and expert support.

  • Initial Consultation

    Introduction between the consult and the client. Understand the client's financial situation, goals, challenges, and expectations.

  • Data Analysis

    Analyze cash flow, income, expenses, debts, assets, liabilities, and financial ratios. Identify potential risks and client’s risk tolerance.

  • Strategy Development

    Work with the client to set short-term and long-term financial goals (e.g., retirement planning, debt reduction, investment growth).

Why Us

Why Choose Shern Advisory

  • Award-Winning Mortgage Brokers

    Consistently ranked among Australia’s leading brokers, with multiple industry accolades.

  • Experience

    Decades of hands-on knowledge and deep market insight from our Melbourne-based founder.

  • Clear & Client-Focused Solutions

    Complimentary Consultation, Strategic Planning, and Seamless Support from paperwork to settlement.

  • Smarter Loans, Better Homes

    From first homes to portfolios—we simplify every step with competitive rates and expert guidance.

  • Melbourne’s Most Trusted Specialists

    320+ five-star reviews for personal service, trusted advice, and local market expertise.

  • Accredited & Respected

    Fully endorsed by MFAA & FBAA—professional excellence and ethical lending practices.

  • Fully Licensed & Compliance Assured

    We manage complex compliance so your lending experience stays smooth and stress-free.

  • Tailored Strategies for Every Goal

    From first homes to refinancing, strategies match your lifestyle and long-term success.

Banks vs. Shern Advisory – The Smarter Choice

Discover why more Melbourne clients are choosing Shern Advisory over traditional banks—thanks to our hands-on service, broader lending network, and client-first mindset.

Choose side to view
Banks Traditional Banks
Shern Advisory Shern Advisory
  • Customers are treated as just another number in the system.

    Clients enjoy personalised guidance and tailored financial solutions.

  • Limited loan options with rigid policies.

    Access to 40+ lenders offering flexible mortgage solutions.

  • Slow approval times with complicated processes.

    Faster approvals and clear support through every stage.

  • Focus on maximising profits for the bank.

    Your goals come first—we work for you, not the lender.

  • Generic mortgage plans that lack flexibility.

    Custom mortgage strategies built around your needs.

  • Call centers with minimal personal engagement.

    One-on-one support from a dedicated broker in Melbourne.

Office Hours

  • Monday 8:30 AM - 5:00 PM
  • Tuesday 8:30 AM - 5:00 PM
  • Wednesday 8:30 AM - 5:00 PM
  • Thursday 8:30 AM - 5:00 PM
  • Friday 8:30 AM - 5:00 PM