residential finance

We believe that all Australians should have the opportunity to own their own home with happiness and opportunity it brings.

Lending solutions that work for you

Get the experts on your side
Your goals is our PASSION

rEFINANCE YOUR HOME LOAN

gET A BETTER DEAL

For many Australians, what may have started as a competitive interest rate over the years becomes less competitive. While many will often change their power, phone, or insurance provider to ensure they get the best deal possible, your home loan could have the most significant impact on your finances.

If it has been a while since you have looked at your home loan, chances are it may not be the sharpest deal on the market. We recommend that all customers should be reviewing their home loan at least every two years.

Pay your home loan down sooner

By reducing your interest rate, we can reduce your repayments. If you want to maintain your current repayments, you can accelerate how quickly you pay off your home loan considerably.

buy your first home

Buying your first home can be exciting but owverwhelming experience

How much of a deposit do I need?

How much can I borrow, and what would my repayments be?

What is preapproval?

How do I get approved to go to an auction?

What is the first home owners grant?

What is LVR and LMI?

What is rentvesting, and what does it have to do with smashed avocado.

HOW WE WORK TOGETHER

We meet with you to understand your current situation and what your goals are. We will explain the process and how home loans work, and you can ask us any questions you have been dying to get answers to.

While looking for the right house, we can help with property reports and suburb reports to ensure you have the best information available.

Once you find your new home and your offer is accepted, we handle everything to get you through to settlement, including liaising with the real estate agent, conveyancer and bank until the keys are in your hand.

We continue to review your home loan to make sure it is the best in the market and make sure that you are always on the best rate possible.

iNVESTMENT pROPERTY LOANS

tHE RENTVESTOR

Rentvesting is a strategy gaining in popularity where an investor decides to buy an investment property while continuing to rent.

The mantra often heard is rent where you want to live and buy where you want to invest.

This can be a quicker path to getting into the property market than buying your first home in a high demand suburb.

Many young professionals may choose to rent close to the city and buy properties further out of the city or even in other states where prices can be lower.

Some see this as future planning, buying a home as an investment where they may want to move back later in life to start a family or retire.

the upgrader

A growing family and eyeing a bigger home? Or are you looking to move closer to work, the beach or your favourite coffee spot?

People’s needs change, and often a new home or location can make all the difference.

This can be a quicker path to getting into the property market than buying your first home in a high demand suburb.

An option is to buy a new home to move into and turn your previous home into an investment property.

It’s easier than you might think.

A common misconception is that you always need a cash deposit on a new home. If you already own property, we can explore using the equity as the deposit for your new home. We can also explore using your future rent to help manage the loan repayments.

the Value seeker

Have a home you love? Great, there is no place like home, and you can build a great portfolio without ever having to move.

Some Australian’s like to stay where they live and instead invest where they see value.

This might be next door, in another suburb or on the other side of the country.

Many keep a keen eye on where they think there might be future growth or there is great value to be had.

From growing up in Adelaide and moving to Sydney, I can see there are some great suburbs all around Australia.

We can look to use your existing property as a way to get secure an investment property with a lower or no cash deposit and future rent.

let's talk

construction LOANS

what is the process, and what is a progress payment?

As the building is being constructed, you will inspect the progress and make sure things are up to standard. If satisfied, you sign off on the stage, and the builder receives part of the money for that stage. It is called a progress payment.

It helps keep the builder accountable for each stage and ensure they get the money they need to continue the build.

It can be a bit different from state to state but it will look close to this,

Deposit 5%

The slab/foundation stage 15%

Frame stage 20%

Lockup stage 20%

Fit out stage 30%

Completion stage 10%

LOW DOC LOANS

IT IS ALL ABOUT THE SOLUTION

Low doc lending tends to focus on the solution and what the funds are needed for. Usually, this means we have to tailor the funding to what matters the most to you..

For some customers, this is about how much they can borrow. For others, it is about how quickly they can get access to the funds.

Depending on your situation, it will depend on the solution.

So, whether it is funding tax debt, finishing up a contract, funding a settlement urgently or anything else, we can help find you a solution.

Self employed

running a business? so are we, we know how you feel

It isn’t easy running a business, and it is undoubtedly hard work. The last thing you want to hear from a lender is that it is “too hard”.

With a background in business lending, self employed finance is one of our specialties and a passion of ours.