First Home
Taking the initial steps to owning your first home is exciting and can be overwhelming for some. We help you navigate your way through the entire process by taking the time to explain each step. Providing guidance, comparing interest rates and discussing loan products/packages is just part of what we do. We take extra steps to explore your eligibility for current Government grants and schemes which may be the boost you need to start your home ownership journey.
Home Loan
$1,000 Cash Bonus
Receive a $1,000 cashback as a first home buyer on your eligible home loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Next Home
Buying your next home introduces a whole new level of opportunity and financial aspects to consider. Whether you are looking to upgrade, relocate, upsize or simply downsize, you may have built up sufficient equity to afford the move. Ideally, you would sell your current home at the same time as buying a new one but things do not always work out that way. We provide available finance options to secure your new home while still managing the mortgage on your current property.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Bridging Finance
Extend your bridging loan to 12 months rather than the standard 6 months.
Refinancing
Whether driven by changes in your individual circumstances or changes in market rates, you may consider refinancing to secure a lower interest rate, access equity to build additional wealth, consolidate your debt, renovate your home or cover emergency expenses. It is essential to weigh up the savings of refinancing against the expenses involved. This is where we can provide a cost/benefit comparison to ensure we find a solution to fit your strategy while saving you money.
Home Loan
$3,000 Cash Bonus
Receive a $3,000 cashback when you refinance your eligible home loan.
Home Loan
Unlimited Cashout
Cash out equity on your property without providing evidence for your stated purpose.
Home Loan
Debt Consolidation
Combine all of your personal and credit card debts into one easy-to-manage loan.
Investing
Investing in property is a popular way to build wealth over time by producing positive cash flow or achieving capital growth. Different to owning your own home, having the right loan structure is the most important factor for an effective investment strategy. With the wrong loan or ownership structure in place, it is possible to lose money and tax deductions that may have been available to you. We will help identify what you want to achieve and determine which investment strategy is right for you.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Savings Policy
Bypass lenders’ non-genuine savings policies and start building wealth sooner.
Off-the-plan
Buying off-the-plan is entering into a contract to purchase a property prior to it being built. You generally will not require finance until closer to the completion of the property, however it is important to obtain an informal assessment upon entering your contract and structure your finances for your final loan application. There are many benefits to purchasing off-the-plan, but also involves some risks. Together, we will discuss and help you be in the best financial position for a smooth purchase.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Building
If you are planning to build your home, a construction loan allows you and/or your builder to be paid in instalments as the building process progresses. This is also known as a progressive drawdown. Various lenders offer construction loans of up to 100% of building costs subject to future value of the property and your ability to service the new loan. We can help you find the right loan structure suited to your project so you can focus on building your dream home.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Home Loan
Construction Loan
Pay interest only during the construction phase, saving your cash for overruns.
Low Doc
Being self-employed gives you a certain amount of freedom but it comes with unique frustrations when wanting to buy a home without access to tax returns, payslips and bank statements traditionally required to obtain a mortgage. We help analyse your financials and structure your application to ensure you are in the best financial position to obtain an approval from a variety of lenders. We uncover more lenders and product choices for you to choose from.
Home Loan
BAS Income
Verify your income using your BAS from the last 12 months or accountant’s letter.
Home Loan
Trading < 2 Years
Approval for newly self-employed applicants, previously in the same industry.
Home Loan
100% LVR No LMI
Access 100% LVR without paying any LMI fees for eligible self-employed applicants.
Self-Managed Super Fund
By this stage, you have built up a sizeable balance within your super fund, setup your SMSF trust, established a property custodian and now looking to purchase an investment property within your super fund. Each lender will have different requirements for compliance, liquidity, LVR postcode restrictions and minimum balances. We work together with you and/or your financial agent to find the right SMSF loan solution and help you through the next stage of building your wealth.
Home Loan
No Min. Liquidity
Apply for a SMSF home loan without any minimum liquidity requirements.
Home Loan
80% LVR
Self-employed applicants can now borrow up to 80% on new apartments.
Home Loan
100% Offset
Capitalise with a 100% offset account, generally not available to SMSF facilities.
First Home
Taking the initial steps to owning your first home is exciting and can be overwhelming for some. We help you navigate your way through the entire process by taking the time to explain each step. Providing guidance, comparing interest rates and discussing loan products/packages is just part of what we do. We take extra steps to explore your eligibility for current Government grants and schemes which may be the boost you need to start your home ownership journey.
Home Loan
$1,000 Cash Bonus
Receive a $1,000 cashback as a first home buyer on your eligible home loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Next Home
Buying your next home introduces a whole new level of opportunity and financial aspects to consider. Whether you are looking to upgrade, relocate, upsize or simply downsize, you may have built up sufficient equity to afford the move. Ideally, you would sell your current home at the same time as buying a new one but things do not always work out that way. We provide available finance options to secure your new home while still managing the mortgage on your current property.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Bridging Finance
Extend your bridging loan to 12 months rather than the standard 6 months.
Refinancing
Whether driven by changes in your individual circumstances or changes in market rates, you may consider refinancing to secure a lower interest rate, access equity to build additional wealth, consolidate your debt, renovate your home or cover emergency expenses. It is essential to weigh up the savings of refinancing against the expenses involved. This is where we can provide a cost/benefit comparison to ensure we find a solution to fit your strategy while saving you money.
Home Loan
$3,000 Cash Bonus
Receive a $3,000 cashback when you refinance your eligible home loan.
Home Loan
Unlimited Cashout
Cash out equity on your property without providing evidence for your stated purpose.
Home Loan
Debt Consolidation
Combine all of your personal and credit card debts into one easy-to-manage loan.
Investing
Investing in property is a popular way to build wealth over time by producing positive cash flow or achieving capital growth. Different to owning your own home, having the right loan structure is the most important factor for an effective investment strategy. With the wrong loan or ownership structure in place, it is possible to lose money and tax deductions that may have been available to you. We will help identify what you want to achieve and determine which investment strategy is right for you.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Savings Policy
Bypass lenders’ non-genuine savings policies and start building wealth sooner.
Off-the-plan
Buying off-the-plan is entering into a contract to purchase a property prior to it being built. You generally will not require finance until closer to the completion of the property, however it is important to obtain an informal assessment upon entering your contract and structure your finances for your final loan application. There are many benefits to purchasing off-the-plan, but also involves some risks. Together, we will discuss and help you be in the best financial position for a smooth purchase.
Home Loan
Free Credit Card
Receive a premium credit card with frequent flyer points, free for the life of your loan.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Building
If you are planning to build your home, a construction loan allows you and/or your builder to be paid in instalments as the building process progresses. This is also known as a progressive drawdown. Various lenders offer construction loans of up to 100% of building costs subject to future value of the property and your ability to service the new loan. We can help you find the right loan structure suited to your project so you can focus on building your dream home.
Home Loan
90% LVR No LMI
Lenders offering 90% LVR and waiving LMI fees for eligible working professionals.
Home Loan
Borrow Over 100%
Borrow 100% on the purchase of your property plus stamp duty using a family guarantor.
Home Loan
Construction Loan
Pay interest only during the construction phase, saving your cash for overruns.
Low Doc
Being self-employed gives you a certain amount of freedom but it comes with unique frustrations when wanting to buy a home without access to tax returns, payslips and bank statements traditionally required to obtain a mortgage. We help analyse your financials and structure your application to ensure you are in the best financial position to obtain an approval from a variety of lenders. We uncover more lenders and product choices for you to choose from.
Home Loan
BAS Income
Verify your income using your BAS from the last 12 months or accountant’s letter.
Home Loan
Trading < 2 Years
Approval for newly self-employed applicants, previously in the same industry.
Home Loan
100% LVR No LMI
Access 100% LVR without paying any LMI fees for eligible self-employed applicants.
Self-Managed Super Fund
By this stage, you have built up a sizeable balance within your super fund, setup your SMSF trust, established a property custodian and now looking to purchase an investment property within your super fund. Each lender will have different requirements for compliance, liquidity, LVR postcode restrictions and minimum balances. We work together with you and/or your financial agent to find the right SMSF loan solution and help you through the next stage of building your wealth.
Home Loan
No Min. Liquidity
Apply for a SMSF home loan without any minimum liquidity requirements.
Home Loan
80% LVR
Self-employed applicants can now borrow up to 80% on new apartments.
Home Loan
100% Offset
Capitalise with a 100% offset account, generally not available to SMSF facilities.
How these offers apply to you
Tools to help you prepare
Get ahead with a pre-approval
What a pre-approval is
- A conditional approval for your home loan – typically valid for 3 months.
- An indicative guide of how much you can borrow.
- Means you have met most lending policies, subject to a few conditions.
Why you need a pre-approval
- Allows you to confidently make offers or bid at auctions with a clear budget.
- Acts as a financial safeguard ensuring you are able to secure finance when the time comes to complete the purchase of your property.
When you need a pre-approval
- Before searching for a home so that you don’t waste any time looking at properties that are not within your budget.
- With a pre-approval ready, you are more likely to secure your property.
How you get a pre-approval
- Get in touch with us to request for your pre-approval today.
- We provide you with the most suitable lenders at the lowest rates.
- Keep in mind that our services are at no obligation and no cost to you.
