LOAN TYPES
Explore Your Options
Choose a Loan That's Right For You
Self Managed Super Fund Loans
Home Loans
Finding the right home loan doesn’t have to be overwhelming. Whether you’re purchasing your first home, upgrading for a growing family, or downsizing for a new chapter, our accredited brokers are here to support you.
From the initial application to settlement and beyond, we’ll guide you every step of the way, offering expert advice and helping you compare options to find a loan that suits your needs. With up-to-date industry knowledge, we ensure the process is simple, clear, and tailored to your goals.
When you’re ready to explore your home loan options, we’re just a call away.
Construction Loans
Investment Loans
Ready to grow your wealth through property investment? We’re here to make securing the right finance simple and stress-free. Whether you’re purchasing your first investment property or expanding an established portfolio, finding the right loan is essential.
With our expertise and access to a wide network of lenders, we’ll guide you through the process, offering personalised advice and support to help you make confident decisions every step of the way. Let us help you turn your investment goals into reality.
Refinance
Choosing a lender is a big decision, but it’s not one you’re locked into forever. Whether you want to lower your interest rate, access additional funds, unlock equity, or switch to a more suitable loan product, we’re here to assist.
We know that financial circumstances change over time, and what once worked may no longer be the best fit. That’s why we’re here to help you review your current loan and ensure you’re still getting the most beneficial deal for your needs.
Business and Commercial Loans
Our brokers specialise in creating solutions designed to meet the unique needs of your business. With access to a wide network of lenders, we’re here to support your business through every phase of its growth. We’re dedicated to finding the right loan to help you reach your business goals.
Commercial Finance
- Chattel Mortage
- Finance Lease
- Operating Lease Rental
- Commercial Hire Purchase
- Insurance Premium Funding
SME Finance
- Business Loans
- Cash Flow Finance
- Invoice Finance
- Trade Finance
- Line of Credit
- Sale and Leaseback
- Acquisition Finance
- Business Tax Debt Refinance
Self-Managed Super Fund Loans
An SMSF loan gives you the opportunity to borrow through your Self-Managed Super Fund to invest in property or other approved assets, helping you grow your retirement nest egg. The property is held in trust for your SMSF until the loan is fully repaid. With strict regulations in place, we’ll help you navigate the process to ensure your fund stays aligned with your retirement goals.
Consumer Finance
- Car Loans
- Leisure Finance (Boats, Jet Skis, Caravans, Motorcycles, Camper Trailers)
- Personal Loans
FAQs
Find quick and clear answers to the questions we hear most often.
What does a mortgage broker do?
A mortgage broker is a go-between who deals with banks or other lenders to arrange a home loan. Mortgage brokers must act in your best interests when suggesting a loan for you.
A good broker works with you to:
- Understand your needs and goals.
- Work out what you can afford to borrow.
- Find options to suit your situation.
- Explain how each loan works and what it costs (for example, interest rate, features and fees).
- Apply for a loan and manage the process through to settlement.
With hundreds of products in our portfolio and more that 60 lenders to choose from, we’ll find a loan that matches your specific needs.
How do mortgage brokers get paid?
We may receive commissions from the lenders and lessors who provide finance for our customers. These are not fees payable by you. The percentage of the commission varies. We will provide you with full details on the nature and amount of these commissions and you can obtain additional information about this by asking us.
Will I have to pay any fees to use your service?
No. As the licensee, we do not charge you for our services as we are paid commission by the financier. However, our credit representative may charge a fee and you may need to pay the financier’s application fee, valuation fees, and other fees. We will communicate any fees when providing you with credit assistance.
What is "Best Interests Duty"?
Mortgage brokers are held accountable to ASICs Best Interests Duty legislation. This means that we are legally obliged to act on behalf of our clients’ best interests. Any product that we recommend must be in your best interests. The reasons for our recommendations will be documented, recorded, explained and provided to you.
How much money can I borrow?
The amount you can borrow is commonly known as your borrowing capacity. Your borrowing capacity will differ from lender to lender.
What is the "First Home Owner Grant (FHOG)"?
The First Home Owner Grant (FHOG) scheme was introduced on 1 July 2000 to offset the effect of the GST on home ownership. It is a national scheme funded by the states and territories and administered under their own legislation.
Under the scheme, a one-off grant is payable to first home owners that satisfy all the eligibility criteria.
What is "Lenders Mortgage Insurance"?
Essentially, Lenders Mortgage Insurance (LMI) gives you the opportunity to purchase a property with a smaller deposit.
LMI protects the lender (not you, the borrower) should you default and the property is sold for less than the outstanding amount on the loan. LMI premiums are payable by the borrower when the amount borrowed is above a certain percentage. Some lenders will allow you to add the LMI premium to your home loan; others require you to pay it up front.
What is refinancing?
Refinancing allows you to alter your home loan to suit your current circumstances. It’s important when considering refinancing that you’re aware of any costs from your current lender to discharge your loan.
How does refinancing work?
When you refinance your existing loan, funds may be used to pay out your existing loan and/or additional funds may be borrowed. What type of things do people refinance for? Home loan refinancing may be used for different reasons including:
- Renovations
- Consolidating your debts
- Taking advantage of special lender offers
- To raise cash for purchase
- To obtain a home loan that will allow frequent deposits or withdrawals and will benefit you for having additional daily funds resting in this loan
- You want to switch from a fixed rate to a variable rate or vice versa
Can I use the equity in my home as a deposit?
Equity is the difference between the value of the property and any borrowings on that property. It may be possible to use this equity as a deposit or to increase your borrowings. When you buy a property, costs such as establishment fees, solicitor fees and stamp duty add up. Instead of trying to find cash to pay these fees, take them into account in your borrowings.