Upsizing & Downsizing
For first time buyers, we will take you through the process step by step and make your first home purchase as smooth as possible.
We can look at your budget and work out your borrowing capacity so you can make an informed decision about upsizing your property or downsizing. We can even work out a way for you to buy a new property before you even sell your existing home.
We partner with you for the long term with annual reviews to ensure your loan is right for you. We act for you and not for the bank so we always have your best interests in mind. Let us show you how we are different!
Refinancing, Renovating or Constructing?
Loans for self employed borrowers are seen as complicated for most brokers. Luckily we have experience reading and understanding financial statements and will work with you to understand your business so we can explain it simply to the banks.
We work with self employed borrowers and can offer a variety of loans whether they are fully documented with 1-2 years of business tax returns and financials or low doc loans.
If you have been self employed for less than two years, you can still get a home loan but it is preferred that you have worked in the same industry for more than two years. If you have less than one year’s experience then there are limited options. Contact us to discuss your situation.
We can also help with business loans and equipment loans for your business.
Commercial or Business Loans
Borrowing to invest in property whether residential or commercial, in personal names or within a Self Manager Super Fund (SMSF) has become a lot more complicated. Banks are now offering higher rates for ‘interest-only’ loans compared with ‘principal and interest’ loans due to the rising costs of lending.
There can be significant differences in investment loans charged by lenders. We stay up to date with all the constant changes in lenders interest rates and credit policies.
We will review your property portfolio and secure the most competitive rates and products so that you can continue to have a long term strategy and grow your property portfolio.
We also partner with other professionals who can discuss your questions about purchasing an investment property for the first time and can even source investment properties on your behalf.