As a qualified mortgage broker I work with you to understand your unique circumstances and assist with finding the best suited loan. I compare a panel of over 30 lenders, negotiate rates as well as submit and manage the application on your behalf which makes your overall experience stress-free and simple.
Home Loans, Self Managed Super Fund lending, Asset Finance, Personal Loans & Consumer Car Loans.
Mortgage brokers must operate under the ‘Best Interest Duty’ law which means we must operate and suggest loan products with your best interests in mind. We are completely unbiased when comparing our panel of lenders and can provide a high level of detail across several lenders rather than just recommending one bank’s products.
NONE. I get paid a commission from the bank when your loan settles for introducing new business to them. It is not payable by you or loaded into your loan in any way.
Yes of course! I can help customers Australia-wide.
A pre-approval is an indication from a lender of how much you can borrow based on the information provided in your application. It gives you confidence when making offers and shows real estate agents that you’re a serious buyer.
As the bank have already reviewed your application, it will also help to speed up receiving the formal loan approval once you’ve found the right property.
Not necessarily. We specialise in working with business owners and work with you and your accountant to find solutions best suited to your needs and objectives and your business structure. Whether you are a sole trader, in a partnership, have a trust or are operating a company, we have a diverse panel of lenders who we can place you with.
We always say it’s never too early to have a chat with a broker and get a plan in place for your future purchase. We discuss deposit requirements, income/employment milestones and start working through any challenges you might have.
That’s where a broker can be most valuable. We regularly assist self-employed clients and those with non-standard income or circumstances.
The government has several grants and schemes available such as the 5% Deposit Scheme, Help to Buy Scheme, First Home Super Saver Scheme, First Home Owner Grant and Stamp Duty Exemptions/Concessions. We guide you through which grants/schemes are relevant to you and your circumstances and will apply for these on your behalf when possible.
Yes, we can assist you with refinancing your loan whether that is to simply seek a better rate or if you are looking to release equity for other reasons (such as renovating your home, wanting to purchase an investment property, for personal use + more)
Yes! Bridging finance is something available to borrowers who are looking to purchase a new home to live in before they sell their current property. While it might sound complex and hard to navigate, we help you every step of the way and explain the process in clear, easy to follow language.
You can purchase a residential or commercial investment property provided it meets the lender’s criteria. The property must be held for investment purposes only and cannot be lived in or rented by you or a related party (with limited exceptions for commercial property).
Generally SMSF purchases require higher deposits than a standard property purchase. Usually the minimum is a 20% deposit plus being able to cover the relevant stamp duty/legal/lender fees. Larger deposits may apply depending on the area and type of property you are buying (and for commercial properties).
In short – yes. SMSF loans have strict legal, tax and compliance requirements and must be set up correctly from the start which is why it’s important to have an experienced broker, accountant and financial advisor on your team.
SMSF set-up and management requires an accountant and financial advisor’s expertise to ensure the loan structure, trust setup and investment strategy comply with the SMSF legislation. A mortgage broker then assists with writing the loan and guiding you through the lending process.
Asset finance allows you to purchase or lease equipment, vehicles or machinery for business use whether you’re a sole trader, trust or company structure.
Common assets include cars, utes, trucks, machinery, plant equipment and trailers. You can also finance office equipment, gym equipment, medical machinery and more.
Some lenders will allow you to apply for finance as soon as your ABN is up and running and you are trading in your business.
Yes of course. Depending on the type of asset and the age of the asset you may be asked to borrow a shorter loan term however it is definitely possible.
This is entirely dependent on how long your business has been running and what type of vehicle you are purchasing.
Yes of course. If you feel like your interest rate and repayments are higher than they should be we can review what options are available for a refinance.
Personal loans can be used for a wide range of purposes – such as debt consolidation, travel, medical expenses, home renovations, education, weddings and more.
Using a broker for a personal loan can save you time, money and stress. By comparing several different lenders we help you to understand which products might be best suited to you and your budget over the next few years as well as manage the application from start to finish.
We regularly help customers who are new to borrowing money. We take extra care with explaining the ins and outs of the finance world as well as placing you with a lender that accepts these types of customers.
Personal loans usually have a $5,000 minimum loan size and can range up to $100,000 depending on the reason for needing the money. You can then repay this amount between 1 and 7 years.
A secured loan is backed by an asset (such as a car), which can result in lower interest rates. An unsecured loan doesn’t require security but may have higher rates.
Personal loans are commonly used to combine multiple debts into one repayment, which may help simplify finances and reduce interest costs.
Yes, many personal loans allow early repayments, though some lenders may charge break or early repayment fees.
A consumer car loan is specifically designed for purchasing a vehicle and is usually secured against the car itself. Interest rates are often lower than an unsecured personal loan, and terms are tailored to the age and value of the car.
Asset finance is typically used for business use so, therefore if you are not operating a business and want to finance a car you may explore consumer car lending.
Yes, certainly.
Using a broker for a car loan can save you time, money and stress. By comparing several different lenders we help you to understand which products might be best suited to you and your budget over the next few years as well as manage the application from start to finish.
We regularly help customers who are new to borrowing money. We take extra care with explaining the ins and outs of the finance world as well as placing you with a lender that accepts these types of customers.
Car loans usually have a $5,000 minimum loan size and can range up to $150,000 depending on the vehicle and your affordability. You can then repay this amount between 1 and 7 years.
Yes, many car loans allow early repayments, though some lenders may charge break or early repayment fees.
