Property finance & lending, answered.

We evaluate your loan against 30+ prime banks and specialist non-bank lenders. We negotiate directly on your behalf to secure below-advertised rates, eliminate uncompetitive legacy loan buffers, and ensure you are not paying loyalty tax to your existing lender.

For salaried employees, we present your application to lenders that recognize 100% of your overtime, allowances, bonuses, and commissions. This maximizes your borrowing capacity while unlocking tier-1 interest rate discounts starting from 6.23% p.a.*.

Debt consolidation rolls high-interest credit cards (typically 18%–24%), personal loans, or vehicle finance into your home loan at low mortgage rates. This significantly reduces your combined monthly repayments, simplifies multiple debts into one easy payment, and frees up substantial monthly cash flow.

Construction loans operate on a progress-draw basis across 5 key construction stages: Slab/Base, Frame, Lock-up, Fixing, and Practical Completion. You only pay interest on the funds actually drawn at each stage, keeping your holding costs minimal while building.

Yes. We structure construction finance for residential investment builds, duplexes, knock-down rebuilds, and major renovations. We can use the projected as-if-complete valuation of the property to maximize your borrowing power.

Yes. We arrange specialized commercial construction and development funding from $300,000, covering industrial warehouses, commercial developments, retail premises, and specialized commercial builds.

Our aim is a 48-hour turnaround to review your application prior to lodgement. With our streamlined digital document process and multi-lender access, approvals move forward quickly and transparently.

Low-doc loans are designed for self-employed business owners, sole traders, company directors, and contractors who do not have the latest tax returns completed. We verify income using business bank statements, BAS, or an accountant declaration.

We do not require tax returns for our specialized low-doc refinancing and purchase solutions. Lenders assess real-time trading cash flow through your recent bank statements or BAS instead.

No. Our initial check is a soft enquiry only. It does not affect your credit score or leave a footprint on your Equifax credit file.

There are no hidden fees. In the vast majority of residential and commercial loan scenarios, our broking service is compensated by the lender upon settlement. Any lender or government fees are clearly outlined in your Credit Quote prior to proceeding.

A mortgage prisoner is trapped in an uncompetitive legacy interest rate because traditional Big 4 bank serviceability stress-test buffers (3%) prevent them from refinancing. We partner with lenders offering modified 1% refinancing buffers to unlock immediate rate relief.

Lease-Doc uses the lease rental income generated by a commercial property to service the mortgage without requiring personal or business financials. It is a premier vehicle for commercial investors.