Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 5.24% (5.94%*)
In order to help us better understanding your borrowing objective, you can select your occupation (if listed) or primary borrowing objective. In this way, we’re able to deliver more relevant and engaging information to you. General, Not Listed. Continue to get great support, rates, and service [ General ] Nurses and Associated Professionals [ Nurse ] Doctors and Medical Professionals [ Doctors ] Allied Health Professionals of all Types [ Allied Health ] Police Officers and Associated (Unsworn) Professionals [ Police ] Lawyers and Solicitors, and Legal Industry [ Legal ] Veterinarians and Nurses [ Vets ] Teachers and Early Educators and Support Staff [ Teachers ] Engineers and IT Professionals [ Engineers ] Firefighters and IT Support Staff [ Firefighters ] Military and Support Personnel [ Military ] Transport Professionals and Airline Pilots [ Transport ] Machinist and Associated Professionals [ Machinist ] Farmers and Agriculture [ Farming ] Single Parent and Lower Income [ Parents ]
First Home Buyers Refinance Investment Loans Construction Loans Your Next Home SMSF Finance Asset & Equipment Loans Self-Employed Loans Competitive Finance We have access to hundreds of bank, non bank, and other lenders and will do all the hard work to find you the best deal. Expert Advice We will find you the best product for your specific circumstances, and we will also complete a financial health check. Stress Free Service We will guide and support you through the entire process. It’s easy, fast and stress-free. Our service doesn’t end with settlement. Selected Multiple Lenders (Fixed) Interest*4.99% Comparison*5.91% 4.99% 6.55% 5.14% 6.01% 5.39% 5.77% Selected Multiple Lenders (Variable) Interest*5.43% Comparison*6.02% 5.44% 6.78% 5.59% 5.64% 5.59% 5.66% Selected BIg-4 Lenders (Variable) Interest*5.90% Comparison*6.03% 6.04% 6.05% 6.14% 6.14% 6.19% 6.20% Selected Invest Products (IO) Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% EXPERTS IN ALL AREAS OF PROPERTY FINANCE We believe that our relationship doesn’t end on the loan settlement. You will continue to receive our support and guidance as your circumstances change. OUR APPROACH As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances. THE PROCESS We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market.. YOUR EXPERIENCE We have a customer focused, solution driven attitude. Our aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service.. We will guide you through every step of the process. What is a Risk Fee? A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender’s acceptable . For a home loan, this is usually 80% of the value of the home (80% LVR) … [ Learn More ] What is Meant by “Serviceability”, and How is it Calculated? When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably “service” the loan repayments after considering all of your … [ Learn More ] What is the Role of a Conveyancer? Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are … [ Learn More ] What is a Low Doc Loan? Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all … [ Learn More ] Split Home Loans A ‘Split Home loan’, ‘Split Facility’, or ‘Split Mortgage’, is a home loan that combines a and a . In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract … [ Learn More ] Construction Home Loans A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure … [ Learn More ] Fixed Home Loans A fixed rate loan, as opposed to the , is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type … [ Learn More ] Variable Home Loans The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate … [ Learn More ] Interest Only Home Loans Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for … [ Learn More ] What is a Home Loan Package? A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction … [ Learn More ] Basic Variable Rate Home Loans A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender … [ Learn More ] Home Loans for Police and Law Enforcement There are no limits to the police services and officers we work with. We also work with nurses, doctors, firefighters, and military personnel to source a suitable product given your unique employment position. Generally speaking, police officers … [ Learn More ] Mining Industry and Engineer Home Loans Extra perks are available to some qualifying professions within the mining industry like Mining Engineers, Surveyors and Geophysicists, whose salary meets the minimum income test ($150,000 at time of writing) and you are a member of the appropriate industry association … [ Learn More ] Home Loans for Legal Professionals, Accountants, Barristers, and Lawye … Barristers, Lawyers and accountants are recognised as low-risk borrowers with high incomes and for this reason, you can borrow up to 90% of the value of the property and pay no . Normally LMI … [ Learn More ] Home Loans for Doctors and Medical Professionals Medical doctors are considered ‘low risk’ by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products … [ Learn More ] What is the LVR, Loan to Value Ratio? The Loan to Value Ratio (LVR) is the amount you’re borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example … [ Learn More ] What is a Comparison Rate? A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan … [ Learn More ] What is the Difference Between Pre-Approval and Full Approval? Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your … [ Learn More ] What is Meant by the Term “Equity”? Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. … [ Learn More ] How is a House and Land Package Financed? A construction loan, or builder loan, often called a “Home and Land Package”, is a type of home loan where the funds for your new home are drawn down as ‘progress payments’ as your property is being built. The main difference between a construction loan and a ]link url=””]vacant land loan[/link] is the timeframe to… [ Learn More ] Property Postcode Restrictions (LMI & Lending) Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the provider, will apply more rigid lending policies in high-risk locations to limit their risk … [ Learn More ] What is the First Home Super Saver Scheme (FHSS)? If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as … [ Learn More ] Can Rent Be Used as Genuine Savings? Getting into the property market is difficult when you’re paying rent because you’re still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a … [ Learn More ] Self-Managed Super Fund Loans Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds – particularly when used for investing – is a complex … [ Learn More ] What is Genuine Savings? The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car … [ Learn More ] What if I Have a Bad Credit History or Outstanding Debts? We believe that former adversity shouldn’t impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement … [ Learn More ] What Are Deposit Bonds? If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive … [ Learn More ] How is the Home Loan Valuation Determined? When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property’s value … [ Learn More ] What are Bridging Loans? Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly … [ Learn More ] Can I Write an Explanation Letter To The Banks Regarding Credit Defaul … As listed on our FAQ on your , a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and … [ Learn More ] How Does My Credit Score or File Affect My Home Loan? Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how … [ Learn More ] Should I Be a Guarantor on a Family Member’s Loan? A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or “Equity Guarantor” loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the … [ Learn More ] Step 1 Schedule Your Free Strategy Session Simply select a 15 minute time slot that works for you and our expert broker will call you to discuss your scenario. Step 2 We Will Research The Market & Find The Best Offer We will do all the heavy lifting and use our extensive experience to find you the best rate and structure for your home loan. Step 3 Present You With A Proposal A proposal will be presented for your review and approval. Step 4 Get Your Loan Settled Once a proposal is accepted, we get your loan as timely as possible and support you every step of the way! Fixed Interest Only (P&I) Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Variable Interest Only (P&I) Interest*5.81% Comparison*5.82% 5.84% 5.84% 5.84% 5.89% 5.84% 5.89% Invest Interest Only Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% Invest Loans Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Business Finance General Interest*6.10% Comparison*0.00% 6.11% 0.00% 6.14% 0.00% 6.44% 0.00% Business Vehicle Options Interest*6.49% Comparison*0.00% 6.49% 6.86% 7.35% 0.00% 7.90% 8.12% Selected Personal Loans Interest*6.29% Comparison*6.50% 6.54% 7.59% 6.74% 7.09% 6.84% 7.48% Selected SMSF Options Interest*10.76% Comparison*0.00% 10.76% 0.00%
First Home Buyers Refinance Investment Loans Construction Loans Your Next Home SMSF Finance Asset & Equipment Loans Self-Employed Loans Competitive Finance We have access to hundreds of bank, non bank, and other lenders and will do all the hard work to find you the best deal. Expert Advice We will find you the best product for your specific circumstances, and we will also complete a financial health check. Stress Free Service We will guide and support you through the entire process. It’s easy, fast and stress-free. Our service doesn’t end with settlement. Selected Multiple Lenders (Fixed) Interest*4.99% Comparison*5.91% 4.99% 6.55% 5.14% 6.01% 5.39% 5.77% Selected Multiple Lenders (Variable) Interest*5.43% Comparison*6.02% 5.44% 6.78% 5.59% 5.64% 5.59% 5.66% Selected BIg-4 Lenders (Variable) Interest*5.90% Comparison*6.03% 6.04% 6.05% 6.14% 6.14% 6.19% 6.20% Selected Invest Products (IO) Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% EXPERTS IN ALL AREAS OF PROPERTY FINANCE We believe that our relationship doesn’t end on the loan settlement. You will continue to receive our support and guidance as your circumstances change. OUR APPROACH As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances. THE PROCESS We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market.. YOUR EXPERIENCE We have a customer focused, solution driven attitude. Our aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service.. We will guide you through every step of the process. What is a Risk Fee? A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender’s acceptable . For a home loan, this is usually 80% of the value of the home (80% LVR) … [ Learn More ] What is Meant by “Serviceability”, and How is it Calculated? When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably “service” the loan repayments after considering all of your … [ Learn More ] What is the Role of a Conveyancer? Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are … [ Learn More ] What is a Low Doc Loan? Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all … [ Learn More ] Split Home Loans A ‘Split Home loan’, ‘Split Facility’, or ‘Split Mortgage’, is a home loan that combines a and a . In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract … [ Learn More ] Construction Home Loans A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure … [ Learn More ] Fixed Home Loans A fixed rate loan, as opposed to the , is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type … [ Learn More ] Variable Home Loans The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate … [ Learn More ] Interest Only Home Loans Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for … [ Learn More ] What is a Home Loan Package? A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction … [ Learn More ] Basic Variable Rate Home Loans A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender … [ Learn More ] Home Loans for Police and Law Enforcement There are no limits to the police services and officers we work with. We also work with nurses, doctors, firefighters, and military personnel to source a suitable product given your unique employment position. Generally speaking, police officers … [ Learn More ] Mining Industry and Engineer Home Loans Extra perks are available to some qualifying professions within the mining industry like Mining Engineers, Surveyors and Geophysicists, whose salary meets the minimum income test ($150,000 at time of writing) and you are a member of the appropriate industry association … [ Learn More ] Home Loans for Legal Professionals, Accountants, Barristers, and Lawye … Barristers, Lawyers and accountants are recognised as low-risk borrowers with high incomes and for this reason, you can borrow up to 90% of the value of the property and pay no . Normally LMI … [ Learn More ] Home Loans for Doctors and Medical Professionals Medical doctors are considered ‘low risk’ by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products … [ Learn More ] What is the LVR, Loan to Value Ratio? The Loan to Value Ratio (LVR) is the amount you’re borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example … [ Learn More ] What is a Comparison Rate? A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan … [ Learn More ] What is the Difference Between Pre-Approval and Full Approval? Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your … [ Learn More ] What is Meant by the Term “Equity”? Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. … [ Learn More ] How is a House and Land Package Financed? A construction loan, or builder loan, often called a “Home and Land Package”, is a type of home loan where the funds for your new home are drawn down as ‘progress payments’ as your property is being built. The main difference between a construction loan and a ]link url=””]vacant land loan[/link] is the timeframe to… [ Learn More ] Property Postcode Restrictions (LMI & Lending) Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the provider, will apply more rigid lending policies in high-risk locations to limit their risk … [ Learn More ] What is the First Home Super Saver Scheme (FHSS)? If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as … [ Learn More ] Can Rent Be Used as Genuine Savings? Getting into the property market is difficult when you’re paying rent because you’re still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a … [ Learn More ] Self-Managed Super Fund Loans Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds – particularly when used for investing – is a complex … [ Learn More ] What is Genuine Savings? The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car … [ Learn More ] What if I Have a Bad Credit History or Outstanding Debts? We believe that former adversity shouldn’t impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement … [ Learn More ] What Are Deposit Bonds? If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive … [ Learn More ] How is the Home Loan Valuation Determined? When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property’s value … [ Learn More ] What are Bridging Loans? Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly … [ Learn More ] Can I Write an Explanation Letter To The Banks Regarding Credit Defaul … As listed on our FAQ on your , a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and … [ Learn More ] How Does My Credit Score or File Affect My Home Loan? Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how … [ Learn More ] Should I Be a Guarantor on a Family Member’s Loan? A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or “Equity Guarantor” loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the … [ Learn More ] Step 1 Schedule Your Free Strategy Session Simply select a 15 minute time slot that works for you and our expert broker will call you to discuss your scenario. Step 2 We Will Research The Market & Find The Best Offer We will do all the heavy lifting and use our extensive experience to find you the best rate and structure for your home loan. Step 3 Present You With A Proposal A proposal will be presented for your review and approval. Step 4 Get Your Loan Settled Once a proposal is accepted, we get your loan as timely as possible and support you every step of the way! Fixed Interest Only (P&I) Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Variable Interest Only (P&I) Interest*5.81% Comparison*5.82% 5.84% 5.84% 5.84% 5.89% 5.84% 5.89% Invest Interest Only Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% Invest Loans Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Business Finance General Interest*6.10% Comparison*0.00% 6.11% 0.00% 6.14% 0.00% 6.44% 0.00% Business Vehicle Options Interest*6.49% Comparison*0.00% 6.49% 6.86% 7.35% 0.00% 7.90% 8.12% Selected Personal Loans Interest*6.29% Comparison*6.50% 6.54% 7.59% 6.74% 7.09% 6.84% 7.48% Selected SMSF Options Interest*10.76% Comparison*0.00% 10.76% 0.00%
First Home Buyers Refinance Investment Loans Construction Loans Your Next Home SMSF Finance Asset & Equipment Loans Self-Employed Loans Competitive Finance We have access to hundreds of bank, non bank, and other lenders and will do all the hard work to find you the best deal. Expert Advice We will find you the best product for your specific circumstances, and we will also complete a financial health check. Stress Free Service We will guide and support you through the entire process. It’s easy, fast and stress-free. Our service doesn’t end with settlement. Selected Multiple Lenders (Fixed) Interest*4.99% Comparison*5.91% 4.99% 6.55% 5.14% 6.01% 5.39% 5.77% Selected Multiple Lenders (Variable) Interest*5.43% Comparison*6.02% 5.44% 6.78% 5.59% 5.64% 5.59% 5.66% Selected BIg-4 Lenders (Variable) Interest*5.90% Comparison*6.03% 6.04% 6.05% 6.14% 6.14% 6.19% 6.20% Selected Invest Products (IO) Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% EXPERTS IN ALL AREAS OF PROPERTY FINANCE We believe that our relationship doesn’t end on the loan settlement. You will continue to receive our support and guidance as your circumstances change. OUR APPROACH As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances. THE PROCESS We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market.. YOUR EXPERIENCE We have a customer focused, solution driven attitude. Our aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service.. We will guide you through every step of the process. What is a Risk Fee? A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender’s acceptable . For a home loan, this is usually 80% of the value of the home (80% LVR) … [ Learn More ] What is Meant by “Serviceability”, and How is it Calculated? When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably “service” the loan repayments after considering all of your … [ Learn More ] What is the Role of a Conveyancer? Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are … [ Learn More ] What is a Low Doc Loan? Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all … [ Learn More ] Split Home Loans A ‘Split Home loan’, ‘Split Facility’, or ‘Split Mortgage’, is a home loan that combines a and a . In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract … [ Learn More ] Construction Home Loans A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure … [ Learn More ] Fixed Home Loans A fixed rate loan, as opposed to the , is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type … [ Learn More ] Variable Home Loans The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate … [ Learn More ] Interest Only Home Loans Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for … [ Learn More ] What is a Home Loan Package? A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction … [ Learn More ] Basic Variable Rate Home Loans A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender … [ Learn More ] Home Loans for Police and Law Enforcement There are no limits to the police services and officers we work with. We also work with nurses, doctors, firefighters, and military personnel to source a suitable product given your unique employment position. Generally speaking, police officers … [ Learn More ] Mining Industry and Engineer Home Loans Extra perks are available to some qualifying professions within the mining industry like Mining Engineers, Surveyors and Geophysicists, whose salary meets the minimum income test ($150,000 at time of writing) and you are a member of the appropriate industry association … [ Learn More ] Home Loans for Legal Professionals, Accountants, Barristers, and Lawye … Barristers, Lawyers and accountants are recognised as low-risk borrowers with high incomes and for this reason, you can borrow up to 90% of the value of the property and pay no . Normally LMI … [ Learn More ] Home Loans for Doctors and Medical Professionals Medical doctors are considered ‘low risk’ by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products … [ Learn More ] What is the LVR, Loan to Value Ratio? The Loan to Value Ratio (LVR) is the amount you’re borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example … [ Learn More ] What is a Comparison Rate? A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan … [ Learn More ] What is the Difference Between Pre-Approval and Full Approval? Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your … [ Learn More ] What is Meant by the Term “Equity”? Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. … [ Learn More ] How is a House and Land Package Financed? A construction loan, or builder loan, often called a “Home and Land Package”, is a type of home loan where the funds for your new home are drawn down as ‘progress payments’ as your property is being built. The main difference between a construction loan and a ]link url=””]vacant land loan[/link] is the timeframe to… [ Learn More ] Property Postcode Restrictions (LMI & Lending) Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the provider, will apply more rigid lending policies in high-risk locations to limit their risk … [ Learn More ] What is the First Home Super Saver Scheme (FHSS)? If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as … [ Learn More ] Can Rent Be Used as Genuine Savings? Getting into the property market is difficult when you’re paying rent because you’re still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a … [ Learn More ] Self-Managed Super Fund Loans Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds – particularly when used for investing – is a complex … [ Learn More ] What is Genuine Savings? The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car … [ Learn More ] What if I Have a Bad Credit History or Outstanding Debts? We believe that former adversity shouldn’t impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement … [ Learn More ] What Are Deposit Bonds? If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive … [ Learn More ] How is the Home Loan Valuation Determined? When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property’s value … [ Learn More ] What are Bridging Loans? Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly … [ Learn More ] Can I Write an Explanation Letter To The Banks Regarding Credit Defaul … As listed on our FAQ on your , a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and … [ Learn More ] How Does My Credit Score or File Affect My Home Loan? Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how … [ Learn More ] Should I Be a Guarantor on a Family Member’s Loan? A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or “Equity Guarantor” loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the … [ Learn More ] Step 1 Schedule Your Free Strategy Session Simply select a 15 minute time slot that works for you and our expert broker will call you to discuss your scenario. Step 2 We Will Research The Market & Find The Best Offer We will do all the heavy lifting and use our extensive experience to find you the best rate and structure for your home loan. Step 3 Present You With A Proposal A proposal will be presented for your review and approval. Step 4 Get Your Loan Settled Once a proposal is accepted, we get your loan as timely as possible and support you every step of the way! Fixed Interest Only (P&I) Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Variable Interest Only (P&I) Interest*5.81% Comparison*5.82% 5.84% 5.84% 5.84% 5.89% 5.84% 5.89% Invest Interest Only Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% Invest Loans Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Business Finance General Interest*6.10% Comparison*0.00% 6.11% 0.00% 6.14% 0.00% 6.44% 0.00% Business Vehicle Options Interest*6.49% Comparison*0.00% 6.49% 6.86% 7.35% 0.00% 7.90% 8.12% Selected Personal Loans Interest*6.29% Comparison*6.50% 6.54% 7.59% 6.74% 7.09% 6.84% 7.48% Selected SMSF Options Interest*10.76% Comparison*0.00% 10.76% 0.00%
First Home Buyers Refinance Investment Loans Construction Loans Your Next Home SMSF Finance Asset & Equipment Loans Self-Employed Loans Competitive Finance We have access to hundreds of bank, non bank, and other lenders and will do all the hard work to find you the best deal. Expert Advice We will find you the best product for your specific circumstances, and we will also complete a financial health check. Stress Free Service We will guide and support you through the entire process. It’s easy, fast and stress-free. Our service doesn’t end with settlement. Selected Multiple Lenders (Fixed) Interest*4.99% Comparison*5.91% 4.99% 6.55% 5.14% 6.01% 5.39% 5.77% Selected Multiple Lenders (Variable) Interest*5.43% Comparison*6.02% 5.44% 6.78% 5.59% 5.64% 5.59% 5.66% Selected BIg-4 Lenders (Variable) Interest*5.90% Comparison*6.03% 6.04% 6.05% 6.14% 6.14% 6.19% 6.20% Selected Invest Products (IO) Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% EXPERTS IN ALL AREAS OF PROPERTY FINANCE We believe that our relationship doesn’t end on the loan settlement. You will continue to receive our support and guidance as your circumstances change. OUR APPROACH As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances. THE PROCESS We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market.. YOUR EXPERIENCE We have a customer focused, solution driven attitude. Our aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service.. We will guide you through every step of the process. What is a Risk Fee? A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender’s acceptable . For a home loan, this is usually 80% of the value of the home (80% LVR) … [ Learn More ] What is Meant by “Serviceability”, and How is it Calculated? When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably “service” the loan repayments after considering all of your … [ Learn More ] What is the Role of a Conveyancer? Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are … [ Learn More ] What is a Low Doc Loan? Low doc (low documentation) home loans can benefit people who don’t have access to the level of information banks and lenders often require for your standard home loans. If you are a business owner, contractor, seasonal worker or freelancer, you may not have all … [ Learn More ] Split Home Loans A ‘Split Home loan’, ‘Split Facility’, or ‘Split Mortgage’, is a home loan that combines a and a . In essence, a Split Loan allows you to split a home loan into two accounts, both of which attract … [ Learn More ] Construction Home Loans A construction loan, also known as a building loan, is a lending option that provides you funds to pay your Licenced Builder (or fund your Owner-Builder project) throughout each stage of your build or renovation process. It has a vastly different loan structure … [ Learn More ] Fixed Home Loans A fixed rate loan, as opposed to the , is one where the rate is fixed for a defined time period. Not as popular the variable product, Fixed Rate loans still offer a range of features that make the loan type … [ Learn More ] Variable Home Loans The Variable Home Loan rate is the most popular home loan type in Australia. An interest (and comparison) rate is set for a particular product and will vary depending upon cash rate changes as dictated by the Reserve Bank of Australia. The variable rate … [ Learn More ] Interest Only Home Loans Most home loans are based on principal and interest. That is, you pay off the principal amount (the amount you have borrowed) in addition to the accumulated interest. However, when servicing an interest only loan you will only pay off the interest component for … [ Learn More ] What is a Home Loan Package? A Home Loan Package is a home loan bundled with other financial or banking services and products with the main attractive feature usually being an included discount on the home loan interest rate. At the time of this writing, the interest rate reduction … [ Learn More ] Basic Variable Rate Home Loans A Basic (or No Frills) Variable Rate Home Loan is a straight forward non-complicated loan with minimal features, a competitive interest rate and no annual or monthly fees. Payment of an establishment or application fee varies between lender … [ Learn More ] Home Loans for Police and Law Enforcement There are no limits to the police services and officers we work with. We also work with nurses, doctors, firefighters, and military personnel to source a suitable product given your unique employment position. Generally speaking, police officers … [ Learn More ] Mining Industry and Engineer Home Loans Extra perks are available to some qualifying professions within the mining industry like Mining Engineers, Surveyors and Geophysicists, whose salary meets the minimum income test ($150,000 at time of writing) and you are a member of the appropriate industry association … [ Learn More ] Home Loans for Legal Professionals, Accountants, Barristers, and Lawye … Barristers, Lawyers and accountants are recognised as low-risk borrowers with high incomes and for this reason, you can borrow up to 90% of the value of the property and pay no . Normally LMI … [ Learn More ] Home Loans for Doctors and Medical Professionals Medical doctors are considered ‘low risk’ by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products … [ Learn More ] What is the LVR, Loan to Value Ratio? The Loan to Value Ratio (LVR) is the amount you’re borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example … [ Learn More ] What is a Comparison Rate? A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan … [ Learn More ] What is the Difference Between Pre-Approval and Full Approval? Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your … [ Learn More ] What is Meant by the Term “Equity”? Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. … [ Learn More ] How is a House and Land Package Financed? A construction loan, or builder loan, often called a “Home and Land Package”, is a type of home loan where the funds for your new home are drawn down as ‘progress payments’ as your property is being built. The main difference between a construction loan and a ]link url=””]vacant land loan[/link] is the timeframe to… [ Learn More ] Property Postcode Restrictions (LMI & Lending) Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the provider, will apply more rigid lending policies in high-risk locations to limit their risk … [ Learn More ] What is the First Home Super Saver Scheme (FHSS)? If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as … [ Learn More ] Can Rent Be Used as Genuine Savings? Getting into the property market is difficult when you’re paying rent because you’re still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a … [ Learn More ] Self-Managed Super Fund Loans Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds – particularly when used for investing – is a complex … [ Learn More ] What is Genuine Savings? The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car … [ Learn More ] What if I Have a Bad Credit History or Outstanding Debts? We believe that former adversity shouldn’t impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement … [ Learn More ] What Are Deposit Bonds? If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive … [ Learn More ] How is the Home Loan Valuation Determined? When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property’s value … [ Learn More ] What are Bridging Loans? Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly … [ Learn More ] Can I Write an Explanation Letter To The Banks Regarding Credit Defaul … As listed on our FAQ on your , a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and … [ Learn More ] How Does My Credit Score or File Affect My Home Loan? Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how … [ Learn More ] Should I Be a Guarantor on a Family Member’s Loan? A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or “Equity Guarantor” loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the … [ Learn More ] Step 1 Schedule Your Free Strategy Session Simply select a 15 minute time slot that works for you and our expert broker will call you to discuss your scenario. Step 2 We Will Research The Market & Find The Best Offer We will do all the heavy lifting and use our extensive experience to find you the best rate and structure for your home loan. Step 3 Present You With A Proposal A proposal will be presented for your review and approval. Step 4 Get Your Loan Settled Once a proposal is accepted, we get your loan as timely as possible and support you every step of the way! Fixed Interest Only (P&I) Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Variable Interest Only (P&I) Interest*5.81% Comparison*5.82% 5.84% 5.84% 5.84% 5.89% 5.84% 5.89% Invest Interest Only Interest*5.59% Comparison*6.66% 5.64% 6.44% 5.69% 6.14% 5.69% 6.34% Invest Loans Interest*4.99% Comparison*5.91% 4.99% 6.36% 5.49% 5.79% 5.55% 5.96% Business Finance General Interest*6.10% Comparison*0.00% 6.11% 0.00% 6.14% 0.00% 6.44% 0.00% Business Vehicle Options Interest*6.49% Comparison*0.00% 6.49% 6.86% 7.35% 0.00% 7.90% 8.12% Selected Personal Loans Interest*6.29% Comparison*6.50% 6.54% 7.59% 6.74% 7.09% 6.84% 7.48% Selected SMSF Options Interest*10.76% Comparison*0.00% 10.76% 0.00%
