Forty lenders. One answer that fits you
Every lender on our panel prices your file differently. We find the one that says yes at the sharpest rate — and stay on it through to settlement.
Start where you actually are
Six routes into the same practice. Pick the one that describes your situation and we will send the right broker, not a call queue.
Buy a home
Owner-occupier finance, from pre-approval through to the day you collect the keys.
Start a purchase → 02Buy my first home
First Home Guarantee, state grants and stamp duty concessions — checked against your actual eligibility.
Check eligibility → 03Refinance
Reprice with your current lender or move. We model both, including the exit and setup costs.
Compare my rate → 04Invest in property
Serviceability, structure and equity release across a growing portfolio.
Model a purchase → 05Build a property
Construction facilities with progress draws, fixed-price contracts and interest-only build periods.
Plan a build → 06Something more complex
Self-employed, trust or company borrowers, SMSF, bridging and commercial security.
Talk it through →A practice, not a panel of scripts
Any broker can pull a rate sheet. The work that changes an outcome is structuring the application so the right lender says yes the first time.
Real lender comparison, in writing
Your file is run against the pricing and credit policy of every lender on our panel — not the three a bank branch can offer. You receive a written shortlist with the rate, the fees and the reason each lender made the list.
A lending strategy built around your position
Offset versus redraw, fixed versus variable, split structures, ownership through a trust — the structure is chosen for the next five years, not just the first repayment.
Guidance from people who read credit policy
Every broker here holds a Diploma of Finance and Mortgage Broking Management and has placed files with the lenders they recommend. We know which policies bend and which do not.
We stay on the file until it settles
Valuations, underwriter queries, solicitor timelines and settlement bookings are ours to chase. You hear from us before you have to ask.
Six core services. One standard of work
Residential through to commercial and SMSF. Where a file needs a specialist lender, we already hold the accreditation.
Home Loans
Purchase, upgrade or relocate with a structure that suits how you actually use the loan.
ResidentialFirst Home Buyers
Guarantee schemes, state grants and low-deposit options assessed against your real eligibility.
ResidentialRefinancing
Reprice, restructure, consolidate or release equity — with the break costs modelled first.
InvestmentInvestment Property Loans
Serviceability across a portfolio, interest-only periods and cross-collateralisation avoided by design.
ConstructionConstruction Loans
Progress-draw facilities for fixed-price builds, knock-down rebuilds and owner-builder projects.
SpecialistSpecialist Lending
Self-employed, complex income, SMSF, trust and company structures, bridging and commercial.
Four stages. No black box
Trace the file from first conversation to settlement — what we do, what you do, and how long it holds.
Understand your goals
Twenty minutes, no forms. We establish what you are buying, what you earn, what you owe and what you have saved — enough to know which lenders are worth approaching.
- —Establish objectives and timeline
- —Flag anything that would block an application
- —Give an honest view on price range
- —A rough sense of income and savings
- —Any credit history you are aware of
Forty lenders. One accreditation list
Major banks, second tier, non-banks and specialist funders. Accreditation is verified annually — we only recommend lenders we can actually submit to.
Lender names shown are placeholders pending brand approval. Being on panel does not imply endorsement by that lender.
Five situations we see every week
Select the one closest to yours — the panel below changes to the lenders and structures that actually apply.
You have the income but the deposit is the problem
Most first home buyers can service a loan comfortably — the barrier is the deposit and the lenders mortgage insurance that comes with a small one. We work the schemes and the LMI waivers before we work the rate.
Check your scheme eligibility →- —A 20% deposit is years away at current prices
- —LMI can add tens of thousands to the loan
- —Guarantee scheme places are capped and go quickly
- —First Home Guarantee places tracked weekly
- —Family guarantee structured without risking the whole property
- —LMI waivers for eligible professions — no insurance at 90% LVR
What a lender will actually lend you
Not a rate table — a serviceability model using the 3% assessment buffer lenders are required to apply. Move the inputs and watch the ceiling move.
Estimate only. Every lender applies its own assessment rate, living-expense benchmark and income shading. This is guidance, not an offer of credit or a pre-approval.
What the files actually looked like
Approved on a 5% deposit with no LMI at all.
A First Home Guarantee place secured before the quarterly allocation ran out. Two lenders declined on casual income history; the third accepted it with twelve months of payslips.
They told us to stay put and just reprice. It saved us the switch.
A reprice request with the existing lender beat every switch on the table once break costs and discharge fees were counted. No new application, no credit enquiry.
One year of returns and a growing business — the bank said no twice.
A non-bank lender accepted one full year of company returns with an accountant declaration. Retained profits were argued as add-backs with the financials attached.
Client names abbreviated and figures rounded at the client's request. Past outcomes do not guarantee a particular result on your own application.
One broker owns your file
Not a pooled queue. You get a named broker, their direct line, and their specialisation matched to your file.
See the full team →Founded the practice after a decade in major bank credit. Handles complex structures and commercial security.
Specialises in first home buyers and the guarantee schemes. Tracks scheme allocations weekly across every state.
Investor and self-employed files. Knows which lenders shade rental income least and which read financials properly.
Read before you apply
Plain explanations of the decisions that cost the most money — written by the brokers who place the files.
All resources →The First Home Guarantee, honestly assessed
Places are capped and reset quarterly. What the scheme actually saves you, who qualifies, and the two situations where paying LMI is the better financial decision.
Read the guide →The things people ask before they call
If yours is not here, ask it directly — you will get a straight answer, not a callback form.
Ask a broker →Nothing, in almost every residential case — the lender pays us a commission on settlement, and that commission does not change your rate. Where a file genuinely requires a client fee, typically complex commercial or SMSF work, it is quoted in writing and agreed before any application is lodged. You will never receive an invoice you have not already seen.
Twenty per cent avoids lenders mortgage insurance, but very few first buyers wait for it. Five per cent is workable through the First Home Guarantee, and some lenders waive LMI entirely at 90% for certain professions. The right question is not the minimum deposit but the total cost of borrowing with the deposit you have today versus waiting two years.
No. Comparison is done on a soft enquiry, which is visible to you but not to other lenders and carries no score impact. A formal credit enquiry is only recorded when you instruct us to submit an application — and by then we already know your file meets that lender’s policy.
Median time from first conversation to conditional approval across our last 214 residential settlements was six business days. Unconditional approval typically follows within a week of valuation. Complex files, particularly self-employed or SMSF, run two to three weeks longer.
Often yes. Several lenders will assess a single full financial year where the trading history supports it, and alt-doc products accept BAS statements or an accountant declaration instead. The bank that declined you is applying one policy — there are thirty-nine others.
Neither is universally better; it depends on how likely you are to sell, refinance or make large extra repayments in the fixed period. Break costs on a fixed loan can be substantial and are rarely explained upfront. We usually model a split so you keep flexibility on part of the balance.
The file stays open with us. We diarise your rate for review at twelve months and again before any fixed period expires, and we contact you first — you should not have to notice your rate has drifted.
Twenty minutes now saves you months later
No forms, no credit enquiry, no obligation. We will tell you what you can borrow, what it will cost, and whether now is the right time to move.