About Solidaire Lending

A Melbourne based Mortgage Broker committed to structured lending, transparent advice, and long term financial outcomes.

The story behind

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“We structure the right lending solution around your financial objectives, borrowing capacity, and individual circumstances.”

Solidaire Lending was established with a clear objective: to deliver smarter, strategically structured home loan solutions that strengthen long term financial outcomes for our clients.

We specialise in residential mortgages, refinancing, first home buyer finance, property investment lending, and SMSF loans under Limited Recourse Borrowing Arrangements. Our approach is built on deep knowledge of the Victorian lending market, strong relationships with a broad panel of lenders, and a disciplined focus on structuring loans correctly from the outset.

We understand that a mortgage is not simply a transaction. It is a long term financial commitment that directly impacts cash flow, wealth creation, and lifestyle flexibility. That is why we take a strategic advisory approach rather than a product sales approach. Every recommendation is based on borrowing capacity, risk profile, future objectives, and repayment strategy.

Our clients range from first home buyers entering the property market to experienced investors optimising their portfolio structure. In every case, we prioritise clarity, transparency, and precision. We manage the process end to end, from initial assessment and lender comparison through to application, negotiation, and settlement coordination.

At Solidaire Lending, our role is simple but critical. We protect your interests, negotiate competitively on your behalf, and structure lending solutions aligned with your long term financial goals.

Property decisions shape financial futures. We ensure your finance structure supports that future with confidence and certainty.

MORTGAGE SOLUTIONS FOR EVERY STAGE OF YOUR FINANCIAL JOURNEY

At Solidaire Lending, we understand that traditional banks operate within rigid frameworks that do not always prioritise individual strategy. Our role is to structure lending solutions that work in your favour, not the institution’s.

We take a strategic, whole of market approach to mortgage advisory. By carefully assessing your financial position, objectives, and long term plans, we design loan structures that enhance control, improve repayment efficiency, and support faster debt reduction.

Our focus is simple. Smarter structuring. Greater flexibility. Stronger financial outcomes.

OUR PURPOSE AND DIRECTION

At Solidaire Lending, our mission and vision define the standard we operate by. They reflect our commitment to disciplined loan structuring, client advocacy, and delivering measurable financial outcomes through strategic property finance.

Mission

To structure intelligent, cost efficient mortgage solutions that reduce interest burden, optimise loan performance, and accelerate long term wealth creation for our clients.

We exist to replace transactional lending with strategic finance advisory, ensuring every mortgage decision strengthens financial stability and future growth.

Vision

To become a leading strategic mortgage advisory firm in Australia, recognised for disciplined loan structuring, measurable financial outcomes, and uncompromising client advocacy.

Our vision is to redefine how borrowers approach property finance by shifting the focus from securing a loan to building a sustainable financial strategy.

Sam De Silva

Founder | Client Director

Sam has over 25 years’ experience in the finance industry. His entire business philosophy is driven by his clients’ best interests. He has worked hard to deliver an open and transparent service that is valued and trusted. Under Sam’s leadership, Solidaire Lending Pty Ltd has been recognized for its commitment to professional excellence, quality advice, client services and innovation in business.
Sam holds an MBA, a Master in Professional Accounting, a Diploma in Financial Services, and an Advanced Course in Mortgage Planning.
Sam is results-oriented and experiences great personal satisfaction from assisting clients to achieve what is important to them, through the implementation of quality advice and clear and precise communication of complicated topics.

Maria Balapitiya

Administrator

Maria brings over 25 years of combined experience across mortgage broking and accounting, offering clients a strong foundation of financial knowledge and practical expertise.

She has spent 10 years working as an Administration Officer in a mortgage broking firm, where She developed an in-depth understanding of loan processing, lender policies, compliance requirements, and client service standards. This hands-on experience has given her strong insight into the end-to-end lending process and what it takes to secure successful outcomes for clients.

In addition, Maria has 15 years of experience working in an accounting firm as an Accountant. During this time, she worked closely with individuals, investors, and business clients, gaining extensive knowledge in financial statements, taxation, cash flow management, and business structures. This accounting background allows her to assess clients’ financial positions thoroughly and structure lending solutions strategically.

Maria has completed a Certificate IV in Finance and Mortgage Broking, meeting the educational requirements to provide professional mortgage advice.

With her combined expertise in accounting and lending, Maria is committed to delivering tailored finance solutions, clear guidance, and a smooth borrowing experience for every client.

Take Control of Your Mortgage Strategy

Speak with Solidaire Lending today and discover how the right loan structure can reduce interest costs, improve flexibility, and accelerate your path to financial security.

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