How We Can Help

Our Services

We offer many different services – whether you are buying your first home, refinancing or purchasing your next investment property, we are here to assist you.

Home Loans

Navigating your way around the entire mortgage process can be confusing. Let our professionals source a loan that is best suited to your needs. We’ll help you increase your chances of a fast approval through a well-prepared home loan application and keep you informed so you’ll know where you stand every step of the way.

Refinancing

Secure a lower interest rate and reduce your monthly repayments with refinancing. Find out how to improve your cash flow. We compare thousands of different products so you can get the most out of your home loan. Speak to us about how we can restructure your loans to make them more tax-efficient for you.

Debt Consolidation

Debt consolidation is the process of consolidating a number of different debts into a single loan, often with a lower overall interest rate. Take control of your finances by bringing all your repayments together into one simple and convenient repayment plan. This will save you money, time, and energy – talk to us today about debt consolidation.

Investment Loans

Make the most of your assets with an investment loan that works towards building your wealth and securing your financial freedom. We’ll help you structure a home loan that offers you tax-efficient ways to invest. We’ll also advise you on how to make smart repayments so you’ll only ever end up with investment debt.

Commercial & Construction Loans

We’ll source the perfect mortgage, and negotiate with the banks so that you don’t have to.

Car Loans

We’ll source the perfect mortgage, and negotiate with the banks so that you don’t have to.

Self-Managed Super Fund Loans

Investing in property with self-managed superannuation funds can potentially be a tax effective way to purchase residential investment property as a part of wealth accumulation and retirement funding strategy. We will help navigate you through the SMSF property investment environment so you understand restrictions on the type of property that can be purchased and how lending qualification criteria, fees and charges can vary.

Bridging Loans

Managing the transition from one home to the next can often mean you find your new home before you have sold your existing home. When this situation arises, you may need some finance to help you afford owning two properties at once. Bridging finance allows you to use the existing equity in your current home, before selling it, to secure your next home. However, bridging loans have some strict criteria around loan terms and repayments and not everyone qualifies, so we will discuss this with you, find the appropriate solution and help you navigate through the transition into your new home.

Family Pledge Loans

Entering the property market can be expensive. Family pledge loans are predominately used by parents to assist their children with their deposit to purchase a home. The parents provide a limited guarantee to the lender on behalf of the family member – without actually providing the cash for a deposit. It reduces your loan to value ratio meaning a saving on lenders mortgage insurance. We assist our clients and their family members in understanding how to structure a family pledge loan, taking all parties into account, and facilitating the process start to finish.

Business & Self-Employed Loans

Business loans secured by residential property can be a cheaper form of financing for business owners and the self-employed who require funding for business development and expansion or to consolidate debt. We assist the business owner by understanding their needs, navigating the lending environment and working with our panel of business lenders to obtain the right solution for their business and family. Our full range of business financing options is in our business finance section.

Low Doc Loans

A low doc loan is an abbreviation for a low documentation loan, also commonly referred to as an alt doc or alternative documentation loan. It’s primarily suited to self-employed borrowers, but may also be appropriate for professional investors, seasonal and contract workers.

One of the main criteria that lenders use in assessing a home loan application is proof of income in the form of payslips or tax returns. If you are unable to verify your income by one of these methods, then a low doc home loan is an option for you to consider.

Alternative forms of verification may be in the form of business activity statements (BAS), an accountant’s letter, or financial statements (among others). The concept is the same; the lender wants to see that there is income to support the loan you are seeking.

Most low doc loans also offer the same popular additional features of standard home loans, such as an interest-only repayment option, the ability to make extra repayments or fix your interest rate, offset facilities and lines of credit.

It’s important to be aware that they’re harder to secure than they were a decade ago. Many lenders have tightened their lending practices in line with increased regulatory pressure, and some lenders no longer offer alt doc loans.

We are always happy to have a commitment-free discussion, so please feel free to get in touch with any questions about low doc loans.

We make it simple for you to buy, invest and refinance to achieve your goals