Every kind of lending we do.

First home buyers

Buying your first home? We help you work out your deposit, check grants and schemes, and understand what you could borrow before you make an offer.

• ·First Home Guarantee
• ·FHOG & stamp duty concessions
• ·Off-the-plan purchases

Investment lending

The first investment loan is easy. The third is where structure decides whether you can keep going. We build the sequence backwards from the portfolio you want.

• ·Portfolio scalability
• ·Purpose-coded splits
• ·Equity release strategy

Construction & off-the-plan

Construction lending fails on paperwork far more often than on price. We manage the contract, the valuation and the draw schedule so the builder gets paid on time.

• ·Progress payment management
• ·Builder & valuation strategy
• ·Land + construction splits

Refinance & health checks

A refinance is only worth doing when the saving clears the cost of moving. We put both numbers in writing and tell you plainly when staying put is the better call.

• ·Rate & structure review
• ·Equity unlock
• ·Debt consolidation

Defence member lending

Defence pay does not read like ordinary income, and most lenders assess it badly. Allowances get shaded or ignored. Posting cycles get treated as instability rather than a normal feature of a career.

• ·DHOAS, HPAS & HPSEA
• ·Defence pay structures
• ·ADF friendly lenders

Business owners & developers

Self employed income is not harder to lend against, it is just read differently. The work is in presenting the figures the way a credit assessor needs to see them.

• ·Self-employed servicing
• ·Commercial structures
• ·Development feasibility

Car & vehicle loans

Dealer finance is convenient and rarely the cheapest. We price your vehicle against a broad lender panel first, so the showroom offer has something to beat.

• ·Dealer finance comparison
• ·ABN and business vehicle
• ·Balloon and term structuring

Personal loans

A personal loan solves a short term problem and can quietly reduce your borrowing capacity for years. We size it so your next property plan still works.

• ·Debt consolidation
• ·Renovation funding
• ·Home loan friendly structuring

Insurance

A mortgage is usually the largest thing a person signs for. We can help you put the right finance in place. What we cannot do is advise you on insurance, because that sits under a different licence to ours.

• ·Life, TPD, trauma, income protection
• ·Home, landlord and business cover
• ·An introduction, not advice from us