Home Loans
Owner-occupier lending for buying your next place or your first. We shortlist lenders against how you actually earn — PAYG, self-employed, bonus-heavy or a mix — and explain the trade-offs between rate, offset and flexibility.
Services
Every kind of lending, handled by one broker.
Ten things we arrange, all the same way: work out what's genuinely possible, compare the panel properly, then handle the paperwork so you don't have to chase anyone.
Refinancing
A hard look at the loan you already have. We price the switch properly — break costs, discharge fees, new setup — and if staying put wins, we'll tell you that and put it in writing.
First Home Buyer Loans
Deposit planning, guarantor options and the government schemes you may be eligible for. Nothing is assumed knowledge, and no question is too basic to ask twice.
Investment Property Loans
Lending built around your portfolio rather than a single purchase — structure, offset placement, interest-only periods and how each choice affects the next property you want to buy.
Commercial & Business Loans
Buying premises, funding fit-out, or smoothing working capital. We translate what commercial lenders want to see and prepare the file so it reads well the first time.
SMSF Lending
Limited recourse borrowing arrangements handled carefully and slowly, in step with your accountant and financial adviser. Fewer lenders play here, so knowing which ones matters.
Construction & Renovation Loans
Progress-draw finance matched to your builder's schedule. We manage the valuations and the drawdown requests so trades get paid without a fortnight of phone tag.
Loan Pre-Approvals
A pre-approval you can bid on with confidence, with every condition and expiry date spelled out — plus a straight answer on how firm it really is at auction.
Debt Consolidation
Bringing cards, personal loans and car finance into one repayment. We show the total cost over the full term, not just the lower monthly figure, so the decision is made with eyes open.
Car & Asset Finance
Vehicles, tools and equipment for households and businesses — novated, chattel mortgage or a straightforward secured loan, priced against your broader lending position.
Before you bid
A pre-approval is only useful if it's honest.
Plenty of buyers turn up to an auction holding a number that hasn't been properly assessed. We prepare pre-approvals with the documents already verified, so the figure you bid to is the figure that survives to settlement.
- Documents verified up front
- Every file
- Typical turnaround
- 1–2 weeks
Getting started
What to have handy.
None of this is needed for a first conversation. It's what we'll ask for once you decide to go ahead.
If you're employed
Two recent payslips, your latest PAYG summary, and three months of transaction statements.
If you're self-employed
Two years of tax returns and notices of assessment, plus current business financials if you have them.
Everyone
Photo ID, statements for existing loans and cards, and a rough idea of your monthly spending.
If you're buying
Evidence of your deposit and, once you've found a place, the contract of sale for your conveyancer.
Not sure which one you need?
That's a normal place to start. Tell us what you're trying to do and we'll work out the rest.