Long-term lending strategy
We assess your borrowing capacity and repayments, then structure the loan around your next steps, such as upgrading, investing or reducing debt sooner. We review it with you annually.
Home loans
Home loans, structured around your goals.
Whether you are purchasing, upgrading or building, your mortgage broker assesses your borrowing capacity, develops a lending strategy around your long-term plans, compares suitable loans from our lender panel and manages your application through to settlement.
Secure online application. No obligation to proceed.
Who it's for
How we help
- Purchasing your next home
- Upgrading or downsizing
- Construction and off-the-plan
- Self-employed borrowers
- Joint and family purchases
Loan comparison
Your broker shortlists suitable loans from our lender panel and explains the benefits and trade-offs of each.
Loan structure and features
Offset accounts, redraw, fixed or variable rates and split loans, set up to suit how you manage your finances.
Application to settlement
We prepare and lodge your application, liaise with the lender and provide regular updates through to settlement.
Preparation
Documents to prepare
Documents can be uploaded securely when you apply. Your broker will confirm your lender's specific requirements.
Not sure where to begin?
Book a consultation. We will discuss your goals and confirm exactly what information your application requires.
- Photo identificationDriver licence or passport
- Proof of incomeRecent payslips, or two years of tax returns if self-employed
- Bank statementsTypically the last three months for transaction and savings accounts
- Liabilities and expensesCredit cards, personal loans, HECS-HELP and regular living expenses
- Contract of saleOnce you have secured a property
“We relied on him so heavily in our house buying journey. He was the one professional who always stood up and was consistently there for us.”
Questions
Frequently asked questions
How much deposit do I need?
Many lenders prefer a 20% deposit so you avoid lenders mortgage insurance (LMI). Some will lend with a smaller deposit, usually with LMI, and eligible buyers may be able to use a government scheme.
The right amount depends on the lender and your circumstances. We will compare the options with you.
Does using a broker cost me anything?
In most cases you do not pay us a fee, because the lender pays us a commission when your loan settles. Our Credit Guide explains how we are paid, and we will tell you upfront if any fee applies.
What is pre-approval?
Pre-approval (also called conditional approval) is a lender's indication of how much it may lend you before you have found a property. It allows you to make offers with confidence, but it is not a guarantee. Final approval depends on the property, a valuation and the lender's assessment.
Should I choose a fixed or variable rate?
Fixed rates provide certainty on repayments for a set period, but often limit extra repayments and can carry break costs if you exit early. Variable rates move with the market and usually offer more flexibility. Many borrowers split their loan between the two. We will explain how each option applies to you.
How long does approval take?
Timeframes vary between lenders and depend on the completeness of your documents. Having the items on the checklist ready is the best way to avoid delays. We will confirm an expected timeline once your lender is selected.
Related lending
Start the conversation.
Apply online or book a consultation with a broker. We work with clients Australia-wide.