Including Pre-approvals
Purchasing your first home is one of the most exciting financial decisions you can make however, it can come with stress and a lot of unknowns. We are here to smooth that process for you, providing guidance on your options and education on how the whole process actually works. We do the legwork in providing borrowing capacities and can assist you in navigating the government schemes available to you.

Running a business comes with unique financial complexities that can make securing finance feel like an uphill battle, especially when financials and tax returns don’t tell the full story. We understand the extra care that is required when presenting your financial position to lenders, ensuring the proposed finance is considered in the right light. Whether you're looking to purchase a commercial property, buy equipment, or invest in residential property, we will help structure lending that works for your business, your investments and lifestyle.

Including Pre-approvals
Property can be a fantastic way to generate wealth for you and your family, creating passive income and giving you options as you get older. Loan structuring is hugely important as part of a wider investment strategy as it can either propel you into your next purchase or restrict your next moves. Getting this right with experienced lenders is key and not just with a templated approach, but a strategy and plan that meets your specific needs and works with your lifestyle.

Being self-employed shouldn’t mean your borrowing capacity is limited, but lenders historically have not made it easy. We have experience with utilising a solution-first approach to ensure we get the desired result for your financing, even when income isn’t displayed in a straightforward fashion. With access to lenders who understand self-employed income, including low-doc and alt-doc loan options, we’ll help you navigate the process, clearly present your financials, and find the best options for your needs.

The lending landscape is very competitive with interest rates being one of the major comparisons, however, that is not always the whole picture. Lower rates do not always equal smaller repayments, and this is where our market knowledge can assist in finding offerings that improve your structure, setting you up for the future. Even if you are just after a quick rate check, please reach out!

Our team is equipped with the knowledge to assess and understand complex financial positions requiring tailored advice and a relationship-led approach. We work with our clients and their families to find bespoke solutions that align with their long-term wealth creation goals. Whether it’s funding prestige property, managing multiple income streams or working with your tax and legal advisors to execute strategic plans, we provide discreet and specialised services to support your needs.

Working out how to purchase your next home can feel very confusing, not knowing whether you need to sell first and rent for a period or whether you have the repayment power to purchase the next one and hold both homes at the same time. Whether you are upgrading to a bigger home, downsizing to something smaller, or purchasing a holiday home, we are able to assist you through unlocking the equity built up in your current home, all while making sure you don’t experience any undue repayment stress.

We have supported many medical professionals get into the market with their first home, grow their property portfolio and support their business. We understand the multi operating entity structures and understand the toll of dealing with finances after 12-hour shifts. We aim to relieve some of this load. There are specific products designed to meet the needs of health professionals, including increased LVR limits, LMI waivers and reduced interest rates.

Retirement is an exciting time of life, and whether you are seeking to access some additional cash to enjoy your retirement, simplify your lifestyle or free up equity to support your kids, we are able to provide an array of options to support you. We can also work with your accountants and advisors to assist with downsizing advice and SMSF lending.

Buying into a practice can appear to be a difficult financing scenario, which is why we are here  to assist in making this process as smooth as possible. Those working in a professional corporate capacity also often have tailored lending products available to them. These include higher LVR limits and LMI waivers on residential property. If you are an accountant, CFO, lawyer, barrister or even a banker, get in touch to see what product offerings are available to you.