I compare residential and investment loans across a panel of 40+ lenders. The service is free to you on the majority of home loans — lenders pay the commission, which is disclosed upfront.
Buying your first place is a big step. I help you understand government grants, the First Home Guarantee / low-deposit schemes, stamp duty concessions (where available in your state), and which lenders are realistic for your deposit and income.
Clear guidance on what you may qualify for in NSW and other states.
Options that reduce or avoid Lenders Mortgage Insurance where possible.
So you can inspect and offer with confidence.
If it’s been more than a year or two since your rate was reviewed, there’s a good chance a better deal exists. A free health check takes about 20 minutes and gives you a clear picture — stay, switch, or restructure.
Current loan versus options across the panel.
If you need funds for renovations, investment or consolidation.
You only proceed if the numbers make sense for you.
Whether it’s your first investment or you’re expanding a portfolio, structuring matters. I work with lenders who understand interest-only periods, equity release and the assessment differences between owner-occupied and investment lending.
Including those comfortable with multiple properties.
Aligned to your cash-flow and tax position (in conjunction with your accountant).
To fund the next purchase without disrupting existing loans unnecessarily.
Commercial property and some business-related finance can be arranged through specialist lenders on the panel. Requirements differ from residential loans — I’m happy to discuss whether a commercial pathway is appropriate for your situation.
There is no charge to you for the majority of residential home loans. Here’s what happens in practice.
Income, deposit, timeline, property type and any existing loans. I explain what lenders look for and what’s realistic.
Rate, fees, features and how each lender is likely to assess your specific file — not just the headline rate.
Application, document collection, valuation coordination and follow-ups with the lender. You stay informed without the admin burden.
I work with your conveyancer through to settlement. After that, I’m available for rate reviews and future needs.