We cater for borrowers at all different stages of life and in varying circumstances:

• First Home Buyers, Refinances, Construction loans
• The novice to the long term investor
• Self employed – whether sole trading or running a business
• People with complex lending situations that may not fit a traditional lender

For First Home Buyers
As a first home buyer you may be wondering how it all works! We help first home buyers every day to achieve their dreams. Quite often the banks offer first home buyers concessions on rates and fees, to help them get their foot in the door. We can help you decide which of these offers is going to best for you. We also give you a full indicative costing guide so you know what government and legal costs you will have. We even lodge your First Home Owners Grant Application for you. Call us today if you are in the market for your first home, we're as excited as you are.

For Investors
Investors typically have more complex loan structuring requirements. They need to split their loans into those which are tax deductible and those that aren't. They also typically have a higher debt figure and are therefore entitled to bigger discounts and better packages that can save them on fees. Investors may also find value in bank packages that offer business loans that are residentially secured at residential rates. We can offer you a loan structuring proposal for all your investment needs.

Land and Construction Loans
Thinking of buying land and building your own? Construction loans generally finance your land, and then based on 5 draw-downs, fund your homes construction with your builder. Owner builder loans are also available but you will need to meet your owner builders licensing requirements for the state you are building in. Although they can seem daunting at first, we will explain the whole process to you and assist you with funding the loan from day one, until your home is complete and you are ready to move in.

Bridging Finance
Found the ideal home to upgrade to, but haven't sold your own existing home yet? Bridging finance is the answer. Bridging finance allows you to buy and move in to your new home, while your old home is still on the market. Bridging finance typically allows you 6 months to sell your old home. For this period repayments are not required, instead the interest is just added to the loan for this period, and is paid out when you sell the property. It's cheaper to sell the property as soon as you can but bridging finance can be a great solution so you don't miss out on the right house.

Lo Doc or No Doc Loans
For self-employed applications without tax returns or paperwork to verify income, we can offer an easy solution to documenting your income. The introduction of "Lo Doc" solutions means that you simply sign a declaration and state your gross income. The rates on Lo Doc loans can be almost as good as standard loans too, we will quote you on any applicable fees associated with this product. There are also "No Doc" solutions available which don't require a declaration of income, simply a declaration of your ability to repay the loan. Policies, rates and fees do differ greatly from lender to lender, so if you are self-employed without financials using our extensive knowledge to identify the best solution is priceless. Call us for more details today.

Top Up Loans, Loan Increases
Want to buy a car, go on a holiday, renovate, consolidate debts, invest or access equity in your home? Top up loans can be offered for nearly any worthwhile purpose. If you have enough equity in your home you can potentially access this as an additional loan, or a top up to your current loan. Speak to one of our consultants today to check your eligibility.

Reverse Mortgages
Reverse mortgages are available for applicants with a minimum age of 60. Reverse mortgages are named as such because instead of the mortgage getting smaller, the mortgage increases in size as time goes on, because you never have to pay it back until the property is sold. Reverse mortgages provide an excellent solution to the asset rich and cash poor situation arising for our senior community.

Commercial Loans
We are accredited to offer you commercial lending should you require a purchase of a business premises or investment. Commercial lending is available for lo doc applicants, and a variety of solutions are available. Call us for more details today.

Credit Impaired
Specialty Lending loans are available for credit impairments. Including – debt consolidation, arrears, defaults, bad credit rating and bankruptcy.

Equipment Finance
Equipment finance can be arranged for just about any business item provided it can be itemised. We can finance anything from your vehicles to your staff’s novated leases. Talk to us today for everything from small ticket items to chattel mortgages, and we’ll obtain a competitive quote and terms that suit you. For those of you in tourism or other seasonal industries we can structure repayments to suit your business’s busy periods also.