Your Loan Helps Build a Home
Your Loan Helps Build a Home
Every loan we settle helps build a home for another family
The reason we enjoy what we do for a living, is due to the fact that we are helping everyday Australians achieve their dream of home ownership.
Last year we started asking ourselves a simple question.
If our business revolves around helping people get into homes, could we help families who live in very insecure living conditions?
It started with one family’s plight that was brought to our attention by a team member living in the Philippines. We raised the money and with a team on the ground a house was purchased and installed (see below). It was amazing to see the entire local community come together and help install the home, purchase furniture and clothing for the family and present it to them. This is really life changing and has a ripple effect not only locally but over here as well. We were contacted by our friends at www.money.com.au (one of the original donors) who asked a simple question, “Whats next?”
Today, the first month’s trail commission from every loan we settle, goes towards building homes for families in need in the Philippines.
Why we started
At Soren Financial, we’re fortunate to spend every day helping Australians buy property, refinance debt and build wealth through real estate.
Housing changes lives, anyone who has gone from renting to owning to then building equity understands this. Equity can then is used to create wealth either through starting/building a business or investing. However in countries like the Philippines, they don’t care about any of that, all most people want is security and certainty. It gives families a place to put down roots and plan for the future and it’s something many of us take for granted.
How it works
The process is simple. When you obtain a loan through Soren Financial.
Your loan settles.
We receive commission from the lender, as mortgage brokers normally do. Instead of keeping the first month’s trail commission, we put it towards funding the construction of homes in the Philippines.
On average, that’s around $100 per loan.
You don’t pay any additional fees.
Nothing changes about your loan.
The contribution comes directly from us.
The homes
In Q1 of 2026, we completed funding for our first home.
It’s only one house.
We’re not pretending it changes the world.
But it changed the world for one family.
That’s enough reason to keep going.
We’ll continue sharing photos, videos and updates from each project so our clients can see exactly where the money is going and what has been built.
Your broker and lender will ask you to provide a range of personal, financial and property documents as part of the commercial loan application process.
Personal documents may include:
- Certified photo identification, such as a passport or driver’s licence
- Certified photo ID for any co-borrowers or guarantors
Financial and business documents may include:
- Personal and business tax returns, along with ATO Notices of Assessment (typically for the past two years)
- Financial statements, including profit and loss statements, balance sheets and cash flow statements (typically for the past two years)
- Personal and business asset and liability statements
- Business bank statements (generally for the past six months)
- Business registration documents, such as your ABN, ASIC company extract or trust deed (where applicable)
- Details of any existing loans or credit facilities
- Business plans or cash flow forecasts (where applicable)
Property documents may include:
- The property address
- The purchase price
- A signed contract of sale (if available)
- Current lease or tenancy agreements (for leased commercial properties)
Commercial property finance solutions
Soren Financial can help you access commercial property finance solutions across a variety of industries and sectors, including but not limited to:
- industrial property finance
- office finance
- retail property finance
- medical and healthcare property finance
- childcare centre finance
- mixed-use property finance.
Development finance
Our team can also support development finance applications, including:
- construction loans
- land subdivision finance
- property development loans.
Business finance
Additionally, we help clients secure business finance packages, including:
- working capital loans
- debtor & invoice finance
- trade finance
- equipment & asset finance.
Where we want to take this
We’re at the very beginning.
Our goal for the remainder of 2026 is to help fund one home every quarter.
By next year, we’d like to be in a position where we’re helping fund one home every month.
Whether we get there depends entirely on how many clients choose to work with us.
The more loans we settle, the more homes we can help build.
It’s that simple.
| Goal | Status |
|---|---|
| Homes Completed | 1 |
| Homes Under Construction | 1 |
| Target for 2026 | 4 |
| Long-Term Goal | 12 per year |
Questions we get asked
Does this cost me anything?
No. The money comes from Soren Financial’s revenue, not from our clients.
How much is contributed?
The first month’s trail commission from each settled loan. On average, this works out to around $100 per loan.
Why the Philippines?
We have connections on the ground that allow us to see where the money is going and follow each project through to completion.
That transparency is important to us.
Can I see the homes being built?
Absolutely. We’ll continue sharing photos, videos and updates as new homes are completed.
More Than a Home Loan
Most people choose a mortgage broker because they want good advice, access to lenders and someone to guide them through the process.
That’s exactly what we provide.
The fact that your loan also helps put a roof over another family’s head is simply a bonus.
If you’re thinking about buying, refinancing or investing, we’d love the opportunity to help.
And if we can help another family along the way, even better.