What each service involves, who it suits, what we’ll do for you and what you’ll need to bring — so you know what to expect before we talk.
CBA Platinum · Westpac Platinum · St.George Flame · 40+ lenders on our panel
Which one fits you?
Choose what you’re planning and we’ll point you to the right section.
The deposit is usually the hurdle. Which schemes, grants and stamp duty concessions you can use depends on your state, the price and whether the home is new or established — and the order you apply in matters.
Buyers who haven’t owned property in Australia before. Each scheme has its own rules.
Pre-approval often takes a few business days once your documents are complete.
We prepare the full application, check your documents and submit to the lender most likely to suit your file — so your pre-approval has been through a lender’s credit assessment, not just a calculator.
Anyone about to make offers or bid at auction.
Often a few business days once documents are complete, and usually valid for around 90 days, depending on the lender.
Pre-approval is conditional and doesn’t guarantee final approval. Before bidding at auction, speak with us and your solicitor or conveyancer: an auction purchase usually has no finance clause or cooling-off period.
We compare your current loan with what lenders on our panel offer now — rate, fees, features and cashback conditions — and work out whether switching actually leaves you ahead. If it doesn’t, we’ll tell you to stay.
Owners who haven’t reviewed their loan for a while, or want to consolidate debts, release equity or fix part of the loan.
Usually a few weeks from application to settlement, depending on the lenders and the valuation.
When you’re selling one home and buying another, the order matters more than the rate on the new loan. Planning it early can reduce bridging costs, a second move or time spent renting in between.
We’ll help you compare these options against your settlement dates and cash position.
A bridging loan covers the gap between buying the new home and selling the old one. Lenders look at two numbers:
The total borrowing outstanding during the bridge: your existing loan plus the new borrowing, after your cash contribution, including purchase costs and any interest added to the loan.
What’s left once your old home sells and the proceeds pay the loan down. This is the loan the lender checks you can afford long term.
How your first investment loan is set up affects what you can borrow for the next one. We structure the loans with your accountant, so ownership, loan splits and offset accounts line up from the start.
First-time and existing investors, including buying through a trust or company.
Similar to buying a home. Allow extra time for trust or company structures.
We arrange credit, not tax advice. The negative gearing and capital gains tax changes from 1 July 2027 treat new and established property differently — check your position with your accountant.
A construction loan is paid out in stages as the build progresses, and you pay interest only on what’s been drawn. The building contract and payment schedule need checking before you sign.
New builds, knockdown-rebuilds, house-and-land packages, duplexes and small subdivisions.
During construction, funds are released in stages. After completion, the loan moves to the agreed ongoing repayments, subject to the lender’s terms.
Not every lender wants two years of tax returns. Some accept one year, some accept BAS or an accountant’s letter, and company directors can sometimes use their payslips. Our job is to find the lenders whose policy fits your documents.
Tax returns and notices of assessment — one or two years, depending on the lender. Company directors paid a wage may only need payslips.
Any two of: BAS statements, business bank statements or an accountant’s letter, for 6–12 months of trading.
A signed income declaration, an accountant’s letter and recent bank statements, with specialist lenders.
General guide only (last reviewed May 2026). Documents, deposit requirements and available products vary by lender and your circumstances, and change over time. We’ll confirm what applies to you before recommending an application.
A major bank’s system may decline a file with a default regardless of the story behind it. Specialist lenders on our panel look at what happened, whether it’s been paid and what’s changed since.
Paid or unpaid defaults, missed repayments, a discharged bankruptcy or completed Part IX agreement, paid judgments, or many recent credit enquiries.
Confidential and non-judgemental. Specialist loans usually cost more than standard loans.
Permanent residents are usually treated like citizens. Several lenders on our panel also lend to temporary visa holders, usually with a larger deposit and FIRB approval.
Permanent residents, and 482, 491, 494 and 485 visa holders (lender rules vary).
From 1 April 2025 until 30 June 2029 (the ban has been extended), most temporary residents can’t buy established homes. New homes and vacant land to build on are still possible.
New residential SMSF borrowing ended on 10 August 2026. Existing loans continue, and three kinds of SMSF lending are still available.
Moving an existing SMSF loan to a better-priced lender, keeping the structure compliant.
Contracts signed before 10 August 2026, including off-the-plan purchases settling later.
Business real property, including your own business premises leased back at market rent.
Allow extra time: SMSF loans involve the trustee, your accountant and sometimes a lawyer.
We don’t give SMSF, tax or investment advice — talk to your SMSF adviser or accountant.
Commercial and business loans are assessed differently from home loans — on the property, the lease and the trading history. We match the deal to banks or specialist lenders that suit it.
Office, retail, industrial and mixed-use, with full doc, low doc and lease doc options from banks and specialist lenders.
Duplexes, townhouses and small subdivisions, with funding structured around your build timeline and exit plan.
Funding to buy your own premises or an existing business, priced on trading history as well as assets.
If your question isn’t here, ask us on a free call.
No. You don’t pay us a fee. We’re paid a commission by the lender when your loan settles, and you’ll see the amount in writing before you apply. Under the Best Interests Duty, the lender we recommend has to be in your interest, not ours.
Owner-occupiers can buy with 5% under the Australian Government’s 5% Deposit Scheme, without paying LMI, or 2% for eligible single parents. Outside the scheme, lenders go to 5–10% deposit, but you’ll usually pay LMI below 20%. Investors usually need 10–20%. We’ll work out your realistic number on the first call.
The government guarantees part of your loan, so you can buy with a 5% deposit and no LMI. Since 1 October 2025 there’s no income cap and no limit on places. Property price caps apply by location, and at least one buyer must be an Australian citizen or permanent resident.
No. Only a formal application appears on your credit file, and we don’t lodge one until you’ve chosen the lender. Before that we match your situation to lender policy and pricing, so most clients have a single enquiry by settlement.
Pre-approval is the lender’s conditional ‘yes’ based on your income, deposit and credit, usually valid for around 90 days. Full (unconditional) approval comes once you’ve found a property, the lender has valued it and the final checks are done.
It depends on the lender, how complete your documents are, the valuation and whether anything needs explaining. A straightforward file is often a few business days. We’ll give you a realistic timeframe once we know which lender suits you.
Usually, yes. A decline from one lender means your file didn’t fit that lender’s policy. Other lenders treat income, credit and deposit differently, and specialist lenders cover situations the major banks won’t. Bring us the reason you were declined and we’ll tell you the realistic next step.
Yes, but LMI doesn’t transfer to a new lender. If your new loan is 80% or less of the new valuation, there’s no new LMI. Above 80%, the new lender will usually charge it again, so we check the numbers carefully before you switch.
Variable gives flexibility (offset, redraw and extra repayments) but the rate moves with the market. Fixed gives certainty for a set term, but break costs can apply if you sell or refinance early. A split gives you some of both. We’ll model the options for your situation.
Lenders assess you at a rate about 3% above the loan rate, so there’s some headroom built in. If rates rise, your repayments rise too. We check your buffer before you commit and review your rate after settlement.
Often, yes. Permanent residents are usually treated like citizens. Several lenders lend to 482, 491, 494 and 485 visa holders, usually with a larger deposit and FIRB approval. From 1 April 2025 until 30 June 2029 (the ban has been extended), most temporary residents can’t buy established homes, but new homes and vacant land to build on are still possible.
Our office is at 33 Oakhill Drive, Castle Hill NSW. We meet clients in person, by phone or on video, across Sydney, NSW and interstate.
Send us a few details and we’ll tell you honestly whether now’s the time, and what the right loan looks like.
