What we can arrange
Home lending is the bulk of what we do, but the panel stretches well past it. If it involves borrowing, start the conversation here.
First home buyer loans
The schemes change most years and the eligibility rules are fiddly. We work out which ones you qualify for — federal guarantee places, state stamp duty concessions, first home owner grants — and whether a 5% deposit purchase actually beats waiting another year to save. We also model guarantor structures properly, including what happens to your parents' security once you've built enough equity to release it.
Refinancing
Rates drift. Lenders reserve their sharpest pricing for new customers, and after three or four years most borrowers are paying more than they need to. We check your current rate against what's live today, subtract the switching costs honestly, and only recommend moving if the number still works. Refinancing is also how people consolidate expensive debt or release equity for a renovation or a deposit.
Investment property loans
Structure matters more than rate on an investment file. Whether to keep loans standalone rather than cross-collateralized, whether interest-only serves your strategy or just costs more, where the offset sits and how the split is set up — these decisions affect your tax position and your ability to buy the next one. We coordinate with your accountant rather than guessing.
Construction & renovation loans
Building draws money down in stages, and each stage needs a valuation and a lender who won't hold up your builder. We match you to lenders with a track record of paying progress claims on time, work through the fixed-price contract with you, and make sure the contingency allowance is realistic before you sign anything.
Self-employed & alt doc loans
Being good at business and looking good on a payslip are different things. Some lenders will assess one year of returns instead of two. Others accept BAS statements, business bank statements, or a signed accountant's declaration. We also know which add-backs each lender allows — depreciation, one-off expenses, retained profits — which can move your assessed income substantially.
Company & trust lending
Buying in a company or a trust adds a layer of paperwork most lenders handle badly. We work with the ones who don't — including for SMSF-adjacent structures where the rules are strict and the panel is small.
Specialist & second-chance lending
A default, a discharged bankruptcy, arrears from a rough patch, or a credit file that looks worse than the story behind it. Specialist lenders price for the risk, so the rate is higher — but it's often a two-year bridge back to a mainstream loan rather than a permanent arrangement. We'll be upfront about the cost and the exit plan.
Car, equipment & asset finance
Vehicles, machinery, fit-outs and technology, for individuals and businesses. Chattel mortgage, lease or hire purchase — the right one depends on your tax treatment, not on which the dealer prefers. Low-doc options exist for ABNs under two years old.
Business & commercial loans
Working capital, commercial property purchase, equipment upgrades and debtor finance. Often the cheapest money for a business owner is sitting in the equity of their home — we'll tell you when that's the sensible move and when it isn't.
Personal loans
For renovations, a wedding, or consolidating card debt into one predictable repayment. Worth checking against a home loan top-up first — sometimes it's cheaper, sometimes it isn't, and the difference is easy to calculate.
Tell us the situation and we'll point you somewhere
Even if the answer is "wait six months and do these three things first", you'll leave the conversation knowing what to do next.
No credit inquiry, no obligation, no follow-up campaign you can't get out of.