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OUR APPROACH
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We will guide you through every step of the process.
You will receive a more personalised service than you would typically receive at a bank. Think of us as your personal banker. We are not owned by any bank and are here to provide you with the best product for your needs and unique circumstances, regardless of what lender it is with.
We will guide you through every step of the process and talk in easy to understand language, so you are aware of everything that is going on with your mortgage.
Every borrower has a story. A lifestyle. A rhythm of spending that pulses through their grocery receipts, café habits, streaming subscriptions, and utility bills. And yet, when you sit down with a lender, this vibrant, complex financial life is often distilled into four haunting letters: HEM — the Household Expenditure Measure.
What is HEM?
To… [ Learn More ]The Debt-to-Income Ratio (DTI) is a crucial financial metric that serves as a key determinant in lending decisions, measuring the relationship between an individual's total debt obligations and their gross annual income. This seemingly simple ratio holds profound implications, not only influencing an individual’s borrowing capacity but also shaping the broader financial landscape through regulatory… [ Learn More ]
A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender's acceptable LVR. For a home loan, this is usually 80% of the value of the home (80% LVR) ... [ Learn More ]
When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably "service" the loan repayments after considering all of your ... [ Learn More ]
Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are ... [ Learn More ]
The Loan to Value Ratio (LVR) is the amount you're borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example ... [ Learn More ]
A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan ... [ Learn More ]
Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your ... [ Learn More ]
Stamp duty is a tax charged by State and Territory governments on the purchase of property. The amount of duty charged will depend on the State government’s formula and the sale price. There are usually concessions for first-home ... [ Learn More ]
The First Home Loan Deposit Scheme, which started on 1 January 2020, will be targeted towards first home buyers earning up to $125,000 annually or $200,000 for couples. The value of homes that can be purchased under the Scheme ... [ Learn More ]
The First Home Owners Grant is a national scheme funded by the States and Territories and administered under their own legislation. The grants differ from State to State, and can take the form of a discounted or reduced property transfer fee ... [ Learn More ]
Your home is likely to be your biggest ever purchase, so it’s well worth protecting with insurance. There are a number of factors that will affect the size of your home insurance premium, including location, the home’s age and building material, the rebuilding value and ... [ Learn More ]
Often lumped in together, these inspections provide very different information and are worth every cent. Don’t think you need one or the other. You need both, and each should be carried out by a suitably qualified and licensed expert. Often a building inspector is also qualified ... [ Learn More ]
The Mortgage Registration Fee is a charge by the State or Territory land titles office to register the lender's mortgage on the property’s title record, and is paid by the borrower in full at the time a loan is transacted. Should you default on your ... [ Learn More ]
Lenders will require you to take out this rather costly insurance cover if they are lending you more than 80 per cent of the value of the property (or you have a Loan to Value Ratio (LVR) of more than 80%) ... [ Learn More ]
Your loan itself may come with additional costs, including application fees, set-up fees and a property valuation. Depending on the type of loan, there may also be monthly account fees. [ Learn More ]
You will need a solicitor or conveyancer to handle the legal transfer of the property title and make the necessary searches. Legal fees can vary widely. You are entitled to a quote up front, and should always ask for one. The more complex the transaction ... [ Learn More ]
Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. ... [ Learn More ]
A construction loan, or builder loan, often called a "Home and Land Package", is a type of home loan where the funds for your new home are drawn down as 'progress payments' as your property is being built. The main difference between a construction loan and a ]link url=""]vacant land loan[/link] is the timeframe to… [ Learn More ]
Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the Lenders Mortgage Insurance provider, will apply more rigid lending policies in high-risk locations to limit their risk ... [ Learn More ]
If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as ... [ Learn More ]
Getting into the property market is difficult when you're paying rent because you're still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a ... [ Learn More ]
Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds - particularly when used for investing - is a complex ... [ Learn More ]
The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car ... [ Learn More ]
We believe that former adversity shouldn't impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement ... [ Learn More ]
If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive ... [ Learn More ]
When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property's value ... [ Learn More ]
Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly ... [ Learn More ]
As listed on our FAQ on your Credit Score, a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and ... [ Learn More ]
Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how ... [ Learn More ]
A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or "Equity Guarantor" loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the ... [ Learn More ]
Every borrower has a story. A lifestyle. A rhythm of spending that pulses through their grocery receipts, café habits, streaming subscriptions, and utility bills. And yet, when you sit down with a lender, this vibrant, complex financial life is often distilled into four haunting letters: HEM — the Household Expenditure Measure.
What is HEM?
To… [ Learn More ]The Debt-to-Income Ratio (DTI) is a crucial financial metric that serves as a key determinant in lending decisions, measuring the relationship between an individual's total debt obligations and their gross annual income. This seemingly simple ratio holds profound implications, not only influencing an individual’s borrowing capacity but also shaping the broader financial landscape through regulatory… [ Learn More ]
A Risk Fee is a once-off charge payable by you when the amount of money you borrow for the purchase of a home or asset if higher than that lender's acceptable LVR. For a home loan, this is usually 80% of the value of the home (80% LVR) ... [ Learn More ]
When you apply for a home loan, a lender will take a large number of factors into consideration when deciding whether or not to approve your application. The Serviceability assessment determines if you can comfortably "service" the loan repayments after considering all of your ... [ Learn More ]
Conveyancing is the legal process of preparing and organising the required documents involved in the transfer of property from one person to another. The conveyance of a property is undertaken by both those who are ... [ Learn More ]
The Loan to Value Ratio (LVR) is the amount you're borrowing represented as a percentage of the property’s value. The loan amount is divided by the purchase price of the valuation amount, then multiplied by 100 to make a percentage. For example ... [ Learn More ]
A comparison is the true cost of a loan every year, including fees and charges, and taking the product attributes into account. While an interest rate may be low to lure you into that product, the comparison rate provides a more realistic understanding of the cost of a loan ... [ Learn More ]
Pre-approval simply means that the lender has evaluated your property purchase, your basic details, and has obtained other early details, in order for you to start looking for property. It provides you with an informed and reliable estimate of your ... [ Learn More ]
Stamp duty is a tax charged by State and Territory governments on the purchase of property. The amount of duty charged will depend on the State government’s formula and the sale price. There are usually concessions for first-home ... [ Learn More ]
The First Home Loan Deposit Scheme, which started on 1 January 2020, will be targeted towards first home buyers earning up to $125,000 annually or $200,000 for couples. The value of homes that can be purchased under the Scheme ... [ Learn More ]
The First Home Owners Grant is a national scheme funded by the States and Territories and administered under their own legislation. The grants differ from State to State, and can take the form of a discounted or reduced property transfer fee ... [ Learn More ]
Your home is likely to be your biggest ever purchase, so it’s well worth protecting with insurance. There are a number of factors that will affect the size of your home insurance premium, including location, the home’s age and building material, the rebuilding value and ... [ Learn More ]
Often lumped in together, these inspections provide very different information and are worth every cent. Don’t think you need one or the other. You need both, and each should be carried out by a suitably qualified and licensed expert. Often a building inspector is also qualified ... [ Learn More ]
The Mortgage Registration Fee is a charge by the State or Territory land titles office to register the lender's mortgage on the property’s title record, and is paid by the borrower in full at the time a loan is transacted. Should you default on your ... [ Learn More ]
Lenders will require you to take out this rather costly insurance cover if they are lending you more than 80 per cent of the value of the property (or you have a Loan to Value Ratio (LVR) of more than 80%) ... [ Learn More ]
Your loan itself may come with additional costs, including application fees, set-up fees and a property valuation. Depending on the type of loan, there may also be monthly account fees. [ Learn More ]
You will need a solicitor or conveyancer to handle the legal transfer of the property title and make the necessary searches. Legal fees can vary widely. You are entitled to a quote up front, and should always ask for one. The more complex the transaction ... [ Learn More ]
Equity is the value of an asset (e.g house, car) minus any debts attached to that asset. For a property, the equity would be the current market value of the property minus the balance of any loans attached to that property. ... [ Learn More ]
A construction loan, or builder loan, often called a "Home and Land Package", is a type of home loan where the funds for your new home are drawn down as 'progress payments' as your property is being built. The main difference between a construction loan and a ]link url=""]vacant land loan[/link] is the timeframe to… [ Learn More ]
Lenders assess mortgage applications differently based on the location of the property being offered as security. A lender, or the Lenders Mortgage Insurance provider, will apply more rigid lending policies in high-risk locations to limit their risk ... [ Learn More ]
If you’re a first home buyer, you may be eligible to withdraw voluntary super contributions you’ve made to put toward a home deposit. Through the First Home Super Saver Scheme (FHSSS), first-home buyers may be able to use Australia’s superannuation system as ... [ Learn More ]
Getting into the property market is difficult when you're paying rent because you're still required to save a 5% deposit towards a new home. While the deposit is still usually required, many lenders will accept your rental history as a ... [ Learn More ]
Self-Managed Super Funds are often used by investors as a means to take control over their superannuation for the purpose of investing in property of their own choosing. However, Self-Managed Super Funds - particularly when used for investing - is a complex ... [ Learn More ]
The term Genuine Savings refers to the funds that you have saved genuinely and gradually over time, usually between three to six months. It excludes gifts, tax refunds, one-off payments from the sale of assets, such as you car ... [ Learn More ]
We believe that former adversity shouldn't impact upon your ability to get a home loan, and we specialise in sourcing suitable products for those that have experienced adversity via a less-than-stellar credit history, bankruptcies, defaults, Part IX debt agreement ... [ Learn More ]
If you are purchasing a property, and you don’t have your deposit readily available, then a deposit bond may be a suitable solution. A deposit bond is a guarantee, issued by an insurance company, to the vendor of the property you are purchasing, that they will receive ... [ Learn More ]
When you apply for a home loan your lender will get an independent valuer to assess the bank valuation of the property you wish to buy. For the bank, property valuation risks are their main priority, so the bank valuation is a conservative estimate of the property's value ... [ Learn More ]
Selling your existing home and buying a new home simultaneously can be a little difficult in that the sale of your property, and finding a new property, rarely occur simultaneously. With a bridging loan, you can avoid the stress of matching up settlement dates, move quickly ... [ Learn More ]
As listed on our FAQ on your Credit Score, a credit report may list overdue payments of any kind (by 14 days), unreliable or missed payments, or defaults. That report holds information on your profile as a credit risk and ... [ Learn More ]
Your credit score is your credit history converted to a number between 0 and 1000 or 0 and 1200, depending on which credit score provider produced the credit score. The higher the score, the better your credit rating. It is one of the factors used by lenders to determine how ... [ Learn More ]
A Guarantor Loan, Family Pledge Loan, Limited Guarantee, or "Equity Guarantor" loan is one where the guarantor enables entry to the property market to a buyer by offering your own fully or partially-owned property as security. You are essentially co-borrowing without the ... [ Learn More ]
What is the Advantage in Fortnightly Repayments?
Let me let you in on one of the mortgage world’s worst-kept secrets: you can pay off your loan faster without changing your budget —
What is the Real Impact of a Daily Cup of Coffee on Your Mortgage?
We’ve all heard the cliché: “Give up your daily coffee and you’ll own a home.” While it’s often delivered with a sanctimonious chuckle by economists
A Look at 30 Ways To Pay Off Your Home Loan Sooner
To suggest that there are only 14 or even 15 ways to pay off your home loan sooner is somewhat deceptive because countless factors can
What is a Conveyancer and What Role Do They Play in Borrowing?
If you’re new to the world of property ownership, you might be wondering what role a conveyancer plays in the buying and selling process. While
Why Smart Borrowers Pay Extra and Don’t Drop Their Repayments When Rates Fall
There’s a psychological trap buried in every interest rate cut — and it catches even the most diligent borrowers. The trap? The assumption that lower
Stamp Duty: The Silent Taxor, or the Reign of the Paper Trail
Stamp Duty — a term that strikes fear into the hearts of prospective homeowners, renters, and business owners alike. It is a tax that seems
A History and Etymology of ‘Approval’ – “The Blessing of the Machine”
This article is playful look at the origin, etymology, purpose, and psychology, of the term ‘approval’. As part of a series we’ve created, the article
The Etymology of Income Verification – “Proof of Worth”
This article is playful look at the origin, etymology, purpose, and psychology, of ‘income verification’. As part of a series we’ve created, the article is
Step 1
Schedule Your Free Strategy Session
Step 2
We Will Research The Market & Find The Best Offer
Step 3
Present You With A Proposal
Step 4
Get Your Loan Settled
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The Green Home Offer provides a discount on your Standard Variable Rate home loan for eligible customers who buy, build or renovate their homes to be more sustainable and energy efficient. Eligibility criteria applies.
This is where your credit rep and ACL number will go. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.
