30+
Lending Partners
Australia-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.
Australia-wide service
After-hours availability
Research-backed guidance
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.
We support clients through the entire lending process, guiding you step-by-step from early planning to finalising your loan. With multilingual support and research-backed suggestions, we help you assess your options clearly and move forward with confidence.
Core values
- Clarity before complexity
- Research-backed recommendations
- Market-aware, informed decision support
- Warm, respectful communication
- Long-term relationship mindset
Services
Find the right loan for you
Buying your first home, refinancing, or investing. Explore our most popular loan solutions.
Process
How it works in five clear steps
01
Discovery
Understand your goals, timeline and starting position.
02
Strategy
Build a lending pathway with clear options and trade-offs.
03
Application
Prepare and submit your application with strong file quality.
04
Approval
Manage lender updates and conditions through to formal outcome.
05
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.
Position & Vision
Understand your current situation, risk profile and long-term direction, then define a realistic multi-year property and lending plan.
Capacity & Structure
Model borrowing capacity, cash flow and loan structure options so decisions are sustainable now and as your portfolio evolves.
Acquisition Strategy
Compare lenders, policies and product settings alongside property-level and suburb-level insights to support smarter purchase choices.
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 enquiries are triaged the same business day where possible, and we guide you on the best next step straight away.
Do you guarantee approval?
No broker can guarantee approval, as final decisions depend on lender criteria. We help present your file clearly to improve your chances and find the most suitable option.
Do you help first home buyers?
Yes. We walk you through every step, explain what is required, and help you compare lender options so you can choose with confidence.
Can you assist with complex scenarios?
Yes. We support many complex scenarios and help structure your application in the strongest way possible, subject to lender assessment.
Do you offer after-hours calls?
Yes, after-hours appointments are available so you can get guidance at a time that works for you.
Do you support multiple languages?
Yes. We currently support English and Sinhalese to help ensure clear communication throughout your lending journey.
What documents are usually required?
Usually ID, income evidence, liabilities, and asset details are needed. We give you a simple checklist and help you prepare the right documents.
Can you assist with refinance strategy?
Yes. We review your current loan, compare suitable alternatives, and help you choose a structure that better supports your goals.
Is the strategy call free?
Yes, your initial strategy call is complimentary, and we use it to map practical options for your situation.
Do you provide personal financial advice?
We provide lending guidance and general information. If personal financial advice is needed, we can suggest the right path so you still get well-rounded support.
Contact
Book your free strategy call
Australia-wide by phone or online. We respond quickly and keep next steps clear.
Phone: 0493 907 756
Email: info@unifyelite.com.au