PURCHASING
A PROPERTY
Home purchase
Buying your first home is a big step, and with interest rates rising again in 2026, getting the structure right from day one matters more than ever. The expanded Australian Government 5% Deposit Scheme now has no income caps or place limits, and higher property price caps (up to $1.5m in Sydney), so more buyers can get in sooner without paying Lenders Mortgage Insurance. We know these schemes, state stamp duty concessions and family guarantee options in detail, and we’ll help you use every one you’re eligible for.
Investment purchase
Lending to investors has tightened. APRA’s new debt-to-income limits and the 3% serviceability buffer mean each lender now assesses investors quite differently, and the same client can have very different borrowing capacity from one bank to the next. With over 30 lenders on our panel, we know which ones suit your income, your existing portfolio and the property you’re buying. We also look at refinancing and equity release to get the most out of your purchasing power.
REFINANCING YOUR
EXISTING LOAN
Save on interest
After the rate cuts of 2025, the RBA has raised rates several times in 2026, and many households are feeling it in their repayments. Now is the time to check your loan is still competitive. Lenders keep repricing and often save their sharpest rates for new customers, so staying with your current bank can cost you. We’ll compare your loan across our panel of over 30 lenders, negotiate on your behalf and look at fixed, split or offset options that suit where rates might go next.
Cash out equity
Property values have grown strongly across much of Australia, which means many homeowners have more usable equity than they realise. Used wisely, that equity can fund a deposit for your next purchase, renovations or business investment. We’ll show you how much you can access under current lending rules and structure it so that it protects your cash flow as rates change.
BUSINESS
FINANCE
Commercial property purchase
Buying a commercial asset is more complex than buying a residential property. Lenders look closely at lease terms, the tenant’s strength, valuations and serviceability, especially while rates are rising. With years of experience in business banking and strong relationships with commercial lending teams, we’ll find the solution that best fits your deal, whether you’re buying your own premises or an investment.
Business acquisition & expansion
Buying or growing a business is exciting, but higher borrowing costs and tighter cash flow mean the finance structure needs careful thought. We have years of experience in business, franchise and acquisition lending, and we’ll help you present a strong case to lenders and structure the funding so it supports your business rather than squeezing it.
EQUIPMENT
FINANCE
Motor vehicles
It’s easy to get pulled into a finance deal at the dealership. The real cost includes the rate, fees, balloon payments and loan terms, not just the advertised repayment. With access to multiple lenders, we can often approve finance within hours and make sure you’re getting a competitive offer. If you’re buying for business, we’ll also point out where the vehicle may be eligible for tax deductions, to discuss with your accountant.
Machines & equipment
Equipment finance isn’t just for vehicles. It can cover almost anything your business uses, from laptops and cameras to fit-outs, earthmovers, boats and drones. Financing equipment keeps your working capital free for day-to-day running costs while rates are elevated. We’ll find the right structure through an equipment loan, a lease, or a secured or unsecured business loan.
SPECIALISED
FINANCE
Guarantor loans
With property prices still climbing, saving a deposit is harder than ever. A family guarantee lets a parent or relative use equity in their property as extra security, which can let you borrow up to and even beyond 100% of the purchase price and avoid LMI. We’ve helped many clients buy their first home this way, including clients with little or no deposit, and we’ll explain the obligations clearly to both you and your guarantor.
Low deposit purchase
You don’t always need a 20% deposit. Between the Government’s 5% Deposit Scheme, family guarantees and lenders who accept LMI, there are several ways to buy sooner. The right option depends on your situation, and we’ll compare the true cost of each so you can decide with confidence.
Low Doc loans
If you’re self-employed, your latest tax returns may not reflect what your business earns today, especially after a strong year. Low doc lenders on our panel can assess your income from BAS statements, business bank statements or an accountant’s letter instead of full financials, so you can move quickly whenever an opportunity comes up.
Self Managed Super Fund
Want to diversify your super beyond the share market, or have you reached your borrowing limit in your personal names? An SMSF property purchase can be a way to invest in residential or commercial property through your super. SMSF lending has specialist rules and fewer lenders offer it, but with over 10 years’ experience in this area we know who’s lending and on what terms. We’ll also work with your accountant or financial adviser to make sure the strategy suits your fund.
