Every loan type, one broker.
From your first home to business finance — we compare options across 14 loan types and access a wide lender panel including major banks, credit unions and specialist non-bank lenders.
Home Loans
Residential lending for buyers at every stage — first home, next home, investment or build.
First Home Buyer Loans
Grants, low-deposit schemes, LMI options and pre-approval support — we walk you through every step before you make an offer.
- FHOG and Home Guarantee Scheme
- 5% deposit options available
- Pre-approval preparation
Owner Occupied Loans
Compare rates, offset accounts, redraw and repayment types across major banks and non-bank lenders — we find what fits your income and lifestyle.
- Variable, fixed and split rates
- Offset and redraw features
- Application to settlement support
Upgrader & Next Home Loans
Selling and buying at the same time means managing equity, timing and new borrowing capacity across two transactions — we keep you from getting caught short.
- Equity review from current home
- New borrowing capacity assessed
- Settlement timing strategy
Investment Property Loans
Rental income assessment, interest-only options, equity use and portfolio structure — investment lending has its own rules and we know them well.
- IO vs P&I comparison
- Equity from existing property
- Portfolio lending structure
Guarantor & Family Pledge
A parent's equity can help you buy sooner with a smaller deposit and potentially no LMI — we explain exactly how it works and what each party commits to.
- Limited vs full guarantee options
- LMI avoidance with low deposit
- Family obligation review
Construction Loans
Building draws funds in stages as your build progresses — we compare lenders, explain progress draw requirements, and plan your rollover to a standard loan at completion.
- Progress draw structure
- Land and build packages
- Builder contract requirements
Refinancing & Specialist
Restructure, consolidate or access equity — for clients whose needs don't fit a standard application.
Home Loan Refinancing
Your current rate may not be the best available. We audit your loan, run the numbers on switching costs, and compare lenders so you know if refinancing is worth it.
- Rate, fee and feature audit
- Break cost analysis
- Discharge and settlement support
Debt Consolidation
Multiple debts at varying rates and due dates can be rolled into your home loan — one repayment, typically at a lower rate. We assess whether the numbers stack up for your situation.
- Eligible debt review
- Net interest saving calculation
- Single repayment structure
Bridging Loans
Buying before you sell? A bridging loan covers the gap between settlements — we calculate your peak debt, compare lenders and plan a clear exit strategy.
- Open and closed bridge options
- Peak debt calculation
- Exit strategy planning
Low Doc & Self-Employed
Self-employed income doesn't always look strong on paper. We access lenders who use BAS statements, bank statements and accountant letters instead of payslips.
- BAS and accountant letter options
- Bank statement assessment
- Specialist non-bank lenders
Personal & Business Finance
Beyond the home loan — vehicle finance, personal lending and business capital across a wide lender panel.
Car & Vehicle Loans
New or used, personal or business use — we compare secured and unsecured car loans, dealer finance alternatives and chattel mortgage structures.
- New and used vehicle finance
- Secured and unsecured options
- Rate and balloon comparison
Business Loans
Working capital, fit-outs, expansion or stock — we compare secured and unsecured business lending options based on your trading history and what the funds are for.
- Cashflow and term loan options
- Secured and unsecured
- Bank and non-bank lenders
Equipment Finance
Finance machinery, tools, vehicles or technology without tying up capital — chattel mortgage, finance lease and hire purchase structures compared across lenders.
- Chattel mortgage, lease, hire purchase
- New and used asset finance
- GST and tax treatment guidance
Not sure which loan type fits?
Book a free consultation and we'll walk through your situation, identify the right loan category, and compare your options — before you commit to anything.
