Home Loans
Best for: owner-occupiers seeking practical structures and flexibility.
Learn moreAustralia-Wide Mortgage & Lending Brokerage
Clear lending strategy for every stage of your property journey.
Unify-Elite Finance combines premium execution with warm client care, helping you navigate home loans, refinancing, investment lending and complex scenarios with confidence and clarity.
Information is general only and does not consider your personal circumstances.
Australia-wide service
After-hours availability
Multilingual support
Complex case guidance
About
More than mortgage broking: strategy-led lending support
Unify-Elite Finance is not just focused on arranging a loan. We provide research-backed lending guidance supported by market analysis, policy insights and practical scenario modelling so you can make informed decisions with greater confidence.
From first home purchases to portfolio expansion, we help you evaluate lending options, identify risks and uncover opportunities to improve your investment plan over time. Our approach is long-term, structured and tailored to your goals, not just your current situation.
Core values
- Clarity before complexity
- Research-backed recommendations
- Market-aware, informed decision support
- Warm, respectful communication
- Long-term relationship mindset
Services
Structured support aligned with your goals
First Home Buyer
Best for: buyers who need clear support on deposits, grants and next steps.
Learn moreRefinance
Best for: borrowers reviewing rate, structure and cash flow alignment.
Learn moreInvestment Loans
Best for: investors planning sequencing and portfolio direction.
Learn moreConstruction Loans
Best for: builds requiring stage-by-stage funding clarity.
Learn moreAsset / Car Loans
Best for: personal or business asset purchases with clear repayment planning.
Learn morePersonal Loans
Best for: managed debt consolidation and major planned expenses.
Learn moreBusiness Lending
Best for: business owners seeking property, equipment or working-capital support.
Learn moreProcess
How it works in five clear steps
1. Discovery
Understand your goals, timeline and starting position.
2. Strategy
Build a lending pathway with clear options and trade-offs.
3. Application
Prepare and submit your application with strong file quality.
4. Approval
Manage lender updates and conditions through to formal outcome.
5. Settlement / Review
Support settlement and schedule future lending strategy reviews.
Signature Differentiator
Portfolio Strategy & Roadmap
We are not just here to arrange a loan. We help you build a long-term property and lending roadmap with a research-backed, results-oriented approach that aligns today's decisions with tomorrow's goals.
From lending options and structure planning to property detail support, suburb performance insights and ongoing portfolio management strategy, we assess multiple pathways so you can move forward with clarity for both home ownership and investment growth.
1. Position & Vision
Understand your current situation, risk profile and long-term direction, then define a realistic multi-year property and lending plan.
2. Capacity & Structure
Model borrowing capacity, cash flow and loan structure options so decisions are sustainable now and as your portfolio evolves.
3. Acquisition Strategy
Compare lenders, policies and product settings alongside property-level and suburb-level insights to support smarter purchase choices.
4. Ongoing Portfolio Optimisation
Review performance over time, refine lending and management strategies, and adapt to market changes so each move supports your broader goals.
General information only; not personal financial advice. Outcomes vary and depend on lender criteria and your circumstances.
Leadership
Meet the Principal Mortgage Broker
Sajeewa Thilakarathna
Principal Mortgage Broker
Buying or refinancing a home is one of the most important financial decisions in life, and Sajeewa is passionate about guiding clients through that journey with clarity, confidence and strategic expertise.
As Principal Mortgage Broker at Unify-Elite Finance, she brings over a decade of banking and financial services experience across Australia and internationally. She holds a Bachelor's Degree in Business Management, Diploma in Finance and Mortgage Broking Management, and Certificate IV in Finance and Mortgage Broking.
With a strong foundation in credit assessment and loan structuring, she understands how lenders think and uses that insight to position clients effectively. Her approach is proactive, detail-driven and highly personalised, with a focus on long-term lending strategy rather than short-term outcomes.
Known for integrity, responsiveness and her ability to simplify complex finance decisions, she supports first home buyers, refinancers, investors and complex lending scenarios so clients feel informed and supported at every step.
Email: sajeewa@unifyelite.com.au
Credentials
- Bachelor of Business Management
- Diploma in Finance and Mortgage Broking Management
- Certificate IV in Finance and Mortgage Broking
- MFBAA
- MAFCA
- AIBSL
Calculators
Estimate repayments and compare rate scenarios
Mortgage Repayment Calculator
Repayment Amount: $0.00
Total Interest: $0.00
Total Paid: $0.00
Calculator estimates only. Fees and charges may apply. Final terms and approval outcomes depend on lender assessment.
FAQs
Answers to common lending questions
How quickly can I expect a response?
Most new enquiries are triaged the same business day where possible.
Do you guarantee approval?
No. Lending outcomes always depend on lender policy and your circumstances.
Do you help first home buyers?
Yes. We help you understand steps, borrowing readiness and documentation requirements.
Can you assist with complex scenarios?
Yes. We support many complex lending situations, subject to lender assessment criteria.
Do you offer after-hours calls?
Yes, after-hours appointments are available to suit your schedule.
Do you support multiple languages?
Yes. Let us know your preferred language when you contact us.
What documents are usually required?
Typically ID, income details, liabilities and asset statements are required.
Can you assist with refinance strategy?
Yes. We review your current structure and help compare suitable options.
Is the strategy call free?
Yes, your initial strategy call is complimentary.
Do you provide personal financial advice?
No. Information is general in nature and does not replace personal financial advice.
Client Feedback
What clients appreciated most
Nisal - Refinance + Investment
“Sajeewa made our refinance and investment planning process far clearer than we expected. She explained each option in plain language and helped us understand the likely cash flow impact before we made any decision.”
Vishalya - First Home
“As a first-home buyer, I valued how patient and organised the guidance was from start to finish. The after-hours calls made it much easier to progress everything around work commitments.”
Sesa & Deb - First Home
“We felt supported at every stage, especially when comparing lenders and understanding the process. Communication was prompt, and we always knew the next step.”
Paba - Refinance + Construction
“Our situation involved both refinancing and planning for construction, and the strategy guidance was practical and calm throughout. We appreciated the detail and responsiveness during key milestones.”
Contact
Book your free strategy call
Australia-wide by phone or online. We respond quickly and keep next steps clear.
Phone: +61 452 527 470
Email: info@unifyelite.com.au