Strategic lending, not just a rate.
We start with where you're heading, guide you through the options, then take care of the application end to end and set you up for the next move.
Where are you at?
First home buyers
Deposit, grants and schemes, pre-approval, and the costs nobody mentions.
Read more →Refinancing
A sharper rate, debt consolidated, or equity released, and whether switching is worth it.
Read more →Property investors
Structured for the portfolio you want in five years, not just this purchase.
Read more →Upgrading & downsizing
Bridging between selling and buying, with settlements timed so you're not caught short.
Self-employed & tradies
Two years of returns, one year, or add-backs the bank won't count. There's usually a lender who reads it properly.
Medical & legal professionals
Waived LMI and higher lending ratios for eligible professions.
What you get, either way
Residential lenders pay our commission, so our advice costs you nothing.
Plain English, always
If we use a term you don't know, we've failed.
A real shortlist
Two or three genuine options with the trade-offs written down.
We chase the lender
Valuations, conditions, follow-ups. You'll hear from us before you ask.
Six-month reviews
We check your rate twice a year and go back to the lender for you.
Common questions
How much deposit do I actually need?
Five per cent is possible with lenders mortgage insurance, and some schemes and professions avoid LMI altogether. Twenty per cent avoids it outright. The right answer depends on what LMI would cost you against what waiting would cost you.
Does using a broker cost me anything?
Not for residential lending. The lender pays us on settlement. Where a fee applies, we put the amount in writing first.
I'm self-employed. Is that a problem?
No. It changes which lenders make sense and how your income is presented. Bring two years of returns if you have them.
Will applying hurt my credit score?
Every formal application leaves a mark, so we don't submit until we're confident of approval.
How long does it take?
Pre-approval is often a few business days. Full application to unconditional approval is typically one to three weeks.
Not sure where to start?
Twenty minutes on the phone and you'll know your numbers.