We are here to guide you through every step of the way.

We have a range of lenders which specialise in different parts of the lending market, and rest assured that we are not aligned to any institution so we only look for the lender that suits you!

Once we understand your situation and what you can afford, we look into various options from a range of lenders. We outline the process to you in simple terms and explain the loan process from application all the way through settlement. We want you to enjoy your new home and let us take care of the rest.

Our areas of specialisation include:

Cash Flow Analysis to determine Serviceability

When purchasing a new home, one of the most important factors is to calculate if you can afford to buy it in the first place. The last thing we want our clients to face is struggling to keep up with mortgage payments which is why first and foremost we calculate what you can afford. This also gives you a realistic idea of what you can afford in the market.

Obtaining Pre-Approvals

Auctions can be daunting and in a rapidly rising property market, properties don’t stay on the market for very long. That is why we can lock in a loan and a lending limit before you go into an auction or signing a contract. This gives you peace of mind when securing that dream home.

Refinancing

Are you getting the best rate possible? Have you structured your home loan to give you maximum flexibility while saving you fees? We always look into optimum ways to structure your loan guide you every step of the way because refinancing can be daunting.

First Home Buyer Loans

First Home buyers need a lot of guidance. They also could be entitled to benefits provided by the government including the first home owners grant (FHOG). Do you have a FHOG bank account that you wanted to utilise too? We can arrange and assist with all of that to remove many of the uncertainties of buying your first property.

Owner occupied Loans

While a simple 30-year principal and interest loan is fine for most situations, you may want to pay down your principal earlier, lock in a portion of your loan to provide certainty over interest payments, have an offset account or line of credit to access equity. We can look into these options for you and structure accordingly.

Low Doc Loans

Don’t have a strong credit score? We can arrange low doc loans for those who maybe struggling with obtaining traditional funds for buying your own home.

Bridging Loans

Are you in-between properties? Are you moving into your new property, but your old one is still on the market? We can arrange bridging finance to ensure you have enough credit to hold both of the properties at the same time on a temporary basis.

Construction Loans

Many families now want to build their dream home, and we want to be part of that process to get you there sooner, so based on a staged payment process, we can organise a construction loan to get you into your dream home faster.

Debt Consolidation

Do you have a lot of debt outstanding and want to organise and manage it better? We have in-house specialist financial and credit advisers to sort this all out for you, to ensure your cash flows each month can match your expenses and know how much real disposable income you have leftover.