- Level 2
1/3 Janefield Dr
Bundoora VIC 3083 - Monday to Friday
8:30 AM – 6:00 PM - Call Us Now
1300 188 808
Buying your first home involves more moving parts than most people expect. There is scheme eligibility, deposit adequacy, lender credit policy, and property suitability and the rules change every year.
We start with the Honest Assessment: a pre-submission review of your income, expenses, deposit source, credit profile, and the property against the policies of the 45+ lenders on our panel. If you qualify for the First Home Guarantee or the Family Home Guarantee, we’ll confirm eligibility before you commit. If your borrowing capacity is borderline, we’ll find the lender whose policy actually fits, not the one paying the highest commission.
Moving home is rarely just about the next mortgage, it’s about how the sale and the purchase line up, what you owe on the current property, and whether you’ll need bridging finance to cover the gap. We work through the sequence with you: timing the settlement, releasing equity from your existing home for the deposit, comparing bridging loans against alternatives, and porting your existing loan to a new property where it makes sense.
Whether you’re trading up or scaling down, the lender that suits you now isn’t always the one you started with. We compare across 45+ lenders and structure the new loan for your stage of life — not the stage you were at when you first borrowed.
Investment lending isn’t just a different rate, it’s a different credit policy, different LVR caps (typically 80%, sometimes 90% with LMI), and different serviceability assessment when you already have a home loan, other investment properties or other debts. The lender that approved your owner-occupier loan may not be the one for your first investment property, and the lender for your first investment property may not be the one for your fourth.
We work through serviceability across your full portfolio, structure the loan for your strategy (P&I vs interest-only, fixed vs variable, splits), and coordinate with your accountant on the tax-structure side – that’s their lane, not ours.
There are four common reasons to refinance: a better rate is available, you’ve built equity you want to access, you want to consolidate debt, or your fixed term is ending. The trick is whether the saving outweighs the switching cost.
We compare your current loan against 45+ lenders, model the break costs and discharge fees against the savings, and check whether equity release is feasible without breaching LVR limits. If the numbers don’t justify the switch, we’ll tell you. If they do, we structure the new loan for what you need now, offset, redraw, splits, or interest-only periods, not what you needed when you first borrowed.
Your loan to value ratio is the loan amount divided by the property value, expressed as a percentage. Borrow $640,000 against an $800,000 property and your LVR is 80%.
The number matters because lenders price loans by LVR band. Above 80% you’ll typically pay LMI (lenders mortgage insurance), and some lender policies tighten further at 90% and 95%. Below 80% you have more lender choice and usually a better rate. We assess your LVR against the lender’s policies before submitting, so there are no surprises after the valuation.
Lenders mortgage insurance protects the lender, not you, if you can’t repay your loan. It’s a one-off premium charged when you borrow more than 80% of the property value, ranging from a few thousand dollars to over $30,000 depending on the loan size and LVR.
You can pay it upfront or capitalise it into the loan. The First Home Guarantee, Family Home Guarantee, and some professional lender packages let you avoid LMI entirely with a smaller deposit. We’ll show you the LMI cost on each lender option and check whether a scheme or alternative structure could let you skip it.
We work across major banks, non-bank lenders, and specialist lenders — giving us access to solutions for straightforward applications and complex cases alike. Some products are offered via white label through our aggregator, Connective.
Adelaide Bank, Bendigo Bank, Bluestone, Bridgit, Brighten, Citibank, MA Money, Thinktank
ANZ Commercial, Brighten Commercial, Firstmac Asset Finance, Granite Commercial, Macquarie Car Loan, Thinktank Commercial, Westpac Commercial
