Whether you are buying your first home, upgrading as your family grows, investing in property, or simply looking for a better deal, our lending specialists will guide you through the moments that matter.
Whether you’re buying your first home or upgrading to your next one, we help you understand how your loan fits into the bigger picture. That includes talking through deposit requirements, borrowing limits and ongoing costs, as well as how selling an existing property, using equity or managing timing between purchases can affect your loan.
If you’re a first home buyer, we help you unlock grants and concessions. The aim is to give you clarity around what’s affordable, how repayments will work, and how to move forward with confidence at this next stage of home ownership.
Investing in property involves more than securing a loan, and we help you understand how your lending choices affect your broader financial position – looking at borrowing capacity, cash flow, loan structure, how interest-only repayments or offset accounts may be used in an investment context.
We also help you understand the potential costs, risks and ongoing commitments involved, so you can assess whether a property investment fits your goals and circumstances.
Refinancing isn’t just about finding a lower interest rate. We help you review whether refinancing makes sense based on your current loan, your financial position and what you’re trying to achieve next.
That includes looking at how your loan is structured, whether it still suits your cash flow, and if features like offset accounts, redraw or repayment flexibility could work harder for you.
We also help you understand the potential costs involved, such as break fees, discharge fees and lender charges, so there are no surprises. The goal is to help you decide whether refinancing will genuinely improve your position, not just now, but over the life of the loan.
If you’re think of buying off the plan, it is important to know that it comes with a longer timeline and a few extra moving parts, and we help you understand how these affect your loan before you commit.
That includes talking through deposit requirements, how finance approval works when settlement may be months or years away, and the risk that valuations or lending criteria could change before completion.
We help you plan for these uncertainties, understand when you may need to reapply for finance, and make sure your loan structure still makes sense when settlement finally occurs. The aim is to help you go in with clear expectations and a plan that supports you from contract to completion.
It depends on your income, expenses, debts, and deposit. We can run the numbers and show you a borrowing range that feels comfortable (not stretched).
As a guide, a bigger deposit can reduce costs like LMI — but there are options even if you’re not at 20% yet. We’ll talk you through what’s realistic for you.
Common costs include stamp duty, conveyancing/legal fees, inspections (building/pest), lender fees, moving costs, insurance, and potentially LMI (depending on your deposit).
Fixed can offer repayment certainty for a period. Variable can offer flexibility (like extra repayments/redraw, depending on the loan). Some buyers choose a split loan for balance.
Most lenders allow flexible repayment schedules. We’ll help you match repayments to your pay cycle and cash flow.
This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Contact us directly to find out more about eligibility requirements in your state and how much grant money you could receive.
Often, yes. It can give you a clearer budget and more confidence when making an offer. (Pre-approval timeframes and requirements vary by lender.)
Usually at settlement once construction is complete. Timeframes can be months or longer, depending on the build.
Key items include inclusions/finishes, completion timing, deposit handling, and conditions like sunset clauses. It’s worth getting legal advice if anything is unclear.
It depends on your strategy and cash flow. Because tax treatment varies by circumstances, it’s best to align your loan choice with advice from your accountant.
We’ll cut through the noise and start with what matters: what you can borrow, what feels comfortable to repay, and what budget actually supports your life. Then we’ll work the system for you; comparing lenders, rates and features to find the right fit, not just the shiny headline.
If you’re buying your first home, we’ll talk you through deposit options and check what grants or concessions may apply. And we’ll take care of the process end-to-end-coordinating with the lender, managing the paperwork, and guiding you through approval and settlement. You’ll never be left guessing either, you’ll have a real person to call or email whenever you need clarity