Own your home sooner with the right structure
Get clarity on borrowing power, repayments, and options so you can buy with confidence. Stop guessing and start planning.
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Built for your stage
Whether you're starting out or stepping up, we structure loans that work with your life.
Five steps to your home
We move fast and keep you informed at every turn.
Quick chat about your goals
We listen to understand what matters to you and when.
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We assess your borrowing power
Real numbers based on your actual situation.
Compare lenders and structures
Options that fit your life, not a template.
Submit and we manage it
We handle the paperwork and keep things moving.
Support through to settlement
We're with you until the keys are in your hand.
Who we help
We move fast and keep you informed at every turn.
First home buyers ready to move
You know it's time. We show you how much you can borrow.
Upgraders stepping into a bigger home
Growing family, growing needs, growing equity.
Self employed with complex income
Banks see risk. We see the full picture.
Multiple income streams or irregular pay
Your income is real. Your loan should reflect that.
Anyone wanting a solid plan first
Know your position before you make an offer.
What we examine before lending
We dig into the details that matter. Your income, debts, deposit, and the property itself all shape what's possible.
Your income and work
Employment type and earnings history tell us about your capacity to repay.
Debts and living costs
We account for what you already owe and what you spend each month.
The amount you've saved and how long you've been saving it matters.
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Credit and liabilities
Your history with credit tells us how you've managed money before.
Mistakes we help you sidestep
Most people stumble before they start.
Making an offer before you know
Confirm your real borrowing power first.
Chasing the lowest rate available
Rate alone doesn't tell the whole story.
Overlooking fees, insurance, and buffers
Hidden costs add up fast without planning.
Structuring offset and repayments wrong
The right setup saves thousands over time.
Trusting bank calculators that overpromise
Generic calculators don't account for your actual situation.
Get your documents ready
Gather what we need before we start. The more organized you are, the faster we move.
Recent payslips
Current income evidence shows what you earn right now.
Tax returns and financials
Self-employed borrowers need two years of tax history.
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Bank statements and savings
We verify your deposit and track your genuine savings pattern.
Identity and loan documents
ID and statements for any existing loans you hold.
FAQs
Answers to what you're wondering about right now.
Most lenders want 20 percent, but options exist below that. We explore what works for your situation and what costs come with smaller deposits. The right structure can make a real difference.
Yes, but lenders mortgage insurance kicks in. We show you the real cost and whether it makes sense for you. Sometimes it does, sometimes waiting makes more sense.
Neither is universally better. Fixed locks in certainty but limits flexibility. Variable moves with the market. We match the structure to your risk tolerance and timeline.
Most fixed loans don't allow offset accounts. Some lenders offer hybrid structures that give you both. We find the options that fit what you want.
Standard approvals take two to four weeks once we submit. Complex situations take longer. We keep you informed at every step and push things along.
Still have questions?
We're here to answer what's on your mind.
Ready to move forward?
Get a clear plan and find the lender that matches your needs.
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