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Service for no charge

Our services as a mortgage broker when advising on residential loans are free of charge. Our entire service which includes: advising and giving you information on loan products, negotiating the loan on your behalf, and managing your paperwork through to settlement, is provided at no charge to you. A brokerage fee may be charged to you dependent on the complexity of your application.

Understanding your situation

Our initial meeting begins with familiarising ourselves with your entire financial situation, and your future plans. To assist us in doing this, ensure that you have your key documents with you when we meet, as this knowledge will help us find loan products that fit your lifestyle, whilst ensuring that it provides you with flexibility for any future changes.

Investment loans

Whether you’re looking for rental income or capital growth, investing in property could be a great way to increase your wealth.
For many, property is an accessible form of investment which is considered a safe and risk-averse strategy compared to many other asset classes.
In recent times, APRA's intervention for deposit-taking institutions to slow the growth rate of investor credit to below 10% has meant that it is more difficult for Australians to access investment loans.
However, with an abundance of investment loans on the market, we can do the hard work and find a suitable investment loan for you, allowing you entry into the real estate market and taking advantage of competitive investment loan rates.

No Deposit loans? We can assist you with a Deposit Bond.

Click here to watch a video.

First home buyer loans

Buying your first property is an exciting and overwhelming process. With so many major decisions and choices, we do all the hard work and compare loans from a wide range of lenders and find the best loan for you, making the whole process stress free and easy.
As a first home buyer, you may be eligible for a first home owners grant and stamp duty reductions. This is a grant available to Australian citizens or permanent residents who wish to buy or build their first home, which will be their principal place of residence within 12 months of settlement. Grant conditions do vary from state to state.
We will also liaise with the lender, your conveyancer and your real estate agent. Basically, it’s our job to do all the hard work and you can focus on finding the right home for you. We’ll be there every step of the way to guide you through the entire home loan process – from application to approval.

Debt Consolidation & Refinancing

A shift in circumstances may mean it is time to revisit your home finances. There are a variety of reasons to think about debt consolidation and home loan refinancing. These can include:
• Covering the cost of home renovations or a new home build
• Consolidating debts to take advantage of lower interest rates
• Finding a better deal, or simply wanting to change lenders
When you speak with us, we will do all the leg work and compare home loans from the top banks and lenders in Australia. There may be a more suitable option for you, which fits your financial situation and lifestyle better than your current home loan.
The right refinanced loan could help you pay off your mortgage faster and for less, clear unhealthy debt or help you upgrade and add value your home, all of which are steps in the right direction.

Owner occupied & Construction loans

Buying property can be exciting and daunting at the same time. We’re here to help to ensure you’re armed with the right information to help you make the right decisions. We have access to hundreds of loans from a wide variety of lenders and will work with you to find the loan that suits your individual circumstances.
There are literally hundreds of home loans available, with new products emerging all the time. As a broker we can help you find a loan that suits your particular needs, help you complete the paperwork, professionally package it with your supporting documents and submit it to your chosen lender.
If you are looking to build your new home rather than buy an existing property, you need a different type of home loan known as a construction loan. A construction loan can also suit you if you are making major renovations to your existing home or to a property you have bought but which needs a bit, or a lot, of work before you call it home.

Commercial Loans

Buying or Refinancing a commercial property is different to a residential property. It normally involves a minimum contribution of 30% of value of the property in the form of cash or equity. It also involves higher interest rates than a residential loan and can be very stressful for a borrower.

Major Banks normally do a review of your commercial loan every year which means more paperwork for the borrower. Unlike major banks, we have specialist lenders on our panel from where we can source your loan without having the hassle to do annual review.

Most Lenders will do a commercial property loan of up to 70% LVR – loan to value ratio- for self-employed, companies, trusts and regular employees.

Unsecured Business Loans

Does your Business have a cash flow requirement or a need for cash now. We offer a fast, flexible and simple solution for any business requirement with an Unsecured Business Loan.

You may need business loan for the following:

  • Funds to start new contacts or jobs

  • Operation Expenses

  • Marketing & Advertising

  • Renovations

  • General working capital

  • ATO tax arrears* lending parameters

  • Opening new sites

  • Purchasing Inventory/Equipment

Our unsecured business loans are between 3-12 months, with the average loan being 6-9 months. Loans range from $5,000 to $250,000 with easy daily/weekly repayments. 5 minute application process.

Funding available within 3 days.

Click here for more info...

Life Insurance

Term Life Insurance provides a lump sum payment if you pass away or are diagnosed with a terminal illness. This benefit is designed to help provide your family with financial security and ideally will be sufficient to pay off any existing debts as well as providing funds to cover ongoing living expenses and other expenditure that will be incurred by your family and loved ones into the future.

Total and Permanent Disablement Insurance (TPD) provides you with a lump sum payment in the event that you suffer an injury or illness that is seriously enough to result in you being unable to return to work. The benefit is often used to repay existing debts, provide funds to help replace your loss of income and cover any potential medical or rehabilitation expenses.

Trauma Insurance provides a lump sum payment should you suffer any one of a number of specified serious injuries or illnesses, such as heart attack, cancer or stroke. The benefit is typically used to cover medical and rehabilitation expenses and to provide a financial buffer, but can also be used to reduce debt, cover lost income or allow you to concentrate on your recovery.

Income Protection provides you with a regular monthly benefit designed to help cover your loss of income in the event you become sick or injured and are unable to work for an extended period. There are different ways to structure your income protection policy and you will have to choose the level of your benefit (usually up to 75% of your income) as well as the waiting period and benefit period. The waiting period relates to how long you must be unable to work before the benefit commences. The benefit period is the length of time the monthly benefits will continue to be paid, with the maximum benefit period generally being to age 65.

Click here to watch video.

General Insurance

You’ve worked hard to secure your greatest assets. Let us help you protect them! Various levels of cover with premiums to suit your needs.
Home Insurance
Three levels of cover area available for home insurance:

  • Vital

  • Classic

  • Prestige

Landlord Insurance
This cover is specifically designed to meet the needs of landlords.

  • Malicious damage cover

  • 52 weeks loss of rent

  • Cover for rent default and theft

Motor Insurance

Our Motor Insurance product offers you simplified cover, additional features and benefits.

  • Emergency accommodation and travelling expenses

  • Towing

  • Choice of Repairer

  • Guarantee on repairs

  • Rental Car and windscreen protection      

Benefits available for you when purchased through the referral program:

  • 90 days free home building insurance

  • up to 10% discount for combined policy

  • pay by the month

Send us your current Insurance Policy Documents or the Renewal Insurance and we will provide you with a comparison no obligation quote.​

Download our home loan guides below:

Download our home loan application form, fill in all your details and return to us for assesment. We will then contact you to finalise your application. Alternitavely provide us with your email, name and mobile number and we will send you via an email log in information with a secure link to complete an online form through our systems.

See how we can help you? Contact us

We are here to assist. Contact us by phone, email or via our Social Media channels.