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Home finance
First home, next home, investment — we find the loan that fits
Whether you are buying your first home, refinancing, buying an investment property or making use of the equity in your existing home, we will find the right home loan for you — and we are not tied to any particular bank.
Our experienced home loan experts do all the work to search and compare the market, help you choose the loan that is best for you, and manage the process from application to settlement and beyond.
We take your needs, your lifestyle and the features you want in a home loan into account — offset, redraw, extra repayments, fixed or variable — and then recommend from the whole market rather than one lender's shelf.
Situations we handle every week
- Building or upgrading — construction finance for a new build or major renovation
- Buying your first home — including the First Home Owners Grant, which we can explain and help you claim
- Purchasing land — vacant land loans ahead of a build
- Investing in property — investment loans structured around your tax position
- Your equity — using the equity in your existing home for renovation, investment or other purposes
- Refinancing and debt consolidation — moving to a better deal, or rolling other debts into the home loan
- Self-employed — including lo doc options when current financials are not available
- Credit impaired — specialist lenders who can offer a genuine second chance
Types of home loan
The product names differ lender to lender, but most home loans are one of these types. A consultant will explain which combination suits you and why.
Credit impaired? There is a panel for that too
Our panel includes lenders and loan products able to assist applicants with a poor credit history — to buy a home, or to refinance and consolidate existing debts. Rates depend on the applicant's credit rating and are usually higher than normal bank rates, but the loans exist so borrowers can work towards re-establishing their credit rating and re-entering the mainstream mortgage market. If you need a second chance, contact us and we will discuss it honestly.
The process
We make the whole process as easy as possible
From the first conversation to settlement, one consultant manages your file and keeps you informed.
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We work out how much you can borrow
Use the borrowing power calculator for a first indication, then a consultant does the full assessment properly.
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We explain all of your options
The loans that fit, what each costs, and what each does over the life of the loan — in plain language.
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We do the paperwork and lodge it
Your application is completed and submitted to your chosen lender, correctly the first time.
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We manage it to settlement — and beyond
Approved, settled, and we remain the people to call for the life of the loan.
Next step
Find out what you can borrow
The service is free to you — we are paid by the lender you choose.