Every residential loan we place, in one panel
Six core loan types across more than 40 Australian lenders. Whichever route you take, the work is the same: compare properly, structure deliberately, and hold the file to settlement.
Pick the loan that matches the move
Each of these is a full service page with its own eligibility notes, structures and calculator. Start where your situation sits.
Home Loans
Buying, upgrading or relocating as an owner-occupier, with a structure chosen for the next five years.
First purchase 02First Home Buyers
Guarantee schemes, state grants and low-deposit options assessed against your real eligibility.
Existing loan 03Refinancing
Reprice, restructure, consolidate or release equity — with break costs modelled before you move.
Investment 04Investment Property Loans
Serviceability across a portfolio, interest-only periods and standalone securities by design.
Building 05Construction Loans
Progress-draw facilities for fixed-price builds, knock-down rebuilds and owner-builder projects.
Low deposit 06Low Deposit Home Loans
Buying at 90 or 95% LVR without paying more LMI than the situation actually requires.
Find the pathway that fits
Select a situation — the panel shows what usually blocks it and how we place it.
You have the income but the deposit is the problem
Most first 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.
First home buyer loans →- —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 at 90% LVR
The rate is the easy part
What separates an approval from a decline is how the file is built before it is submitted.
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, credit queries, conveyancer timelines and settlement bookings are ours to chase. You hear from us before you have to ask.
Understand → Compare → Apply → Settle
Understand your goals
Twenty minutes, no forms. What you are buying, what you earn, what you owe and what you have saved.
Credit impact — noneExplore your options
The file is built properly, then run against all forty lenders. You receive a written shortlist with rates and fees.
Credit impact — soft enquiry onlyApply
A pre-qualified application to a lender whose policy you already meet. We order the valuation and manage the assessment.
Credit impact — enquiry recordedSettle
Unconditional approval, loan documents, settlement booked with your conveyancer. The rate review is diarised.
Credit impact — account reportedVerified, licensed, accountable
Lender names shown are placeholders pending brand approval. Being on panel does not imply endorsement by that lender.
Before you apply
If yours is not here, ask it directly — you will get a straight answer, not a callback form.
Ask a broker →It follows the move, not the marketing. Buying to live in is an owner-occupier loan; buying to rent out is an investment loan at a slightly higher rate; building is a construction facility with progress draws. Where a situation spans two — buying an investment while renovating it, say — we structure the split rather than force it into one product.
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 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.
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 it is quoted in writing and agreed before any application is lodged.
It depends on how likely you are to sell, refinance or make large extra repayments during the fixed period. Break costs can be substantial and are rarely explained upfront. We usually model a split so you keep flexibility on part of the balance.
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, and settlement three to six weeks after that depending on your contract.
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.