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Loans
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First Home Buyer Loans
Breaking into the property market can feel overwhelming, but you don’t need to navigate it alone. First home buyer loans are designed to help you purchase your first property with lower deposit requirements and access to government incentives like stamp duty concessions and grants. Whether you’re eligible for the First Home Guarantee Scheme or need a guarantor, we’ll find a solution that fits your timeline.
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Refinancing
Refinancing isn’t just about getting a lower rate—it can help you access equity, consolidate debt, or switch from a fixed to variable loan. With lenders offering cashback deals and competitive rates, now might be the perfect time to review your mortgage. We’ll compare 40+ lenders to see if you could save thousands.
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Commercial Loans
Expand your business or secure prime commercial property with tailored financing solutions. Commercial loans offer flexible terms and competitive rates for purchasing offices, warehouses, retail spaces, or funding business growth. Whether you're an established business or startup, we'll structure a loan that supports your commercial goals while managing cash flow effectively.
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SMSF Loans
Buy property through your self-managed super fund (SMSF) to grow retirement savings. These limited recourse loans protect your other assets if the investment underperforms.
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Low Deposit Loans
Saving a 20% deposit isn’t always realistic—especially in today’s market. Low deposit loans allow you to buy a home with as little as 5% down, using options like Lenders Mortgage Insurance (LMI) or a family guarantor to bridge the gap. While LMI adds a cost, it’s often cheaper than waiting years to save a full deposit.
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Government Schemes
Australia offers multiple schemes to help buyers enter the market, from the First Home Guarantee (5% deposit, no LMI) to regional grants like the Regional First Home Buyer Guarantee. These programs change annually, so we’ll help you navigate eligibility and deadlines.
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Family & Guarantor Loans
Building your dream home? Construction loans release funds in stages (e.g., land purchase, slab, frame completion), so you only pay interest on what’s drawn down. We’ll help you budget for each phase and navigate builder contracts.
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Construction Loans
Building your dream home? Construction loans release funds in stages (e.g., land purchase, slab, frame completion), so you only pay interest on what’s drawn down. We’ll help you budget for each phase and navigate builder contracts.
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Professional Loans
Doctors, lawyers, engineers, and other professionals often qualify for higher borrowing power (up to 95% LVR) and discounted rates. Lenders view these careers as low-risk, even with student debt or irregular bonuses.
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Bridging Loans
Need to buy before selling your current home? Bridging loans cover the gap, using your existing property as security. Once sold, the loan reverts to a standard mortgage or is paid off.
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Investment Loans
Maximize cash flow and tax benefits with loans tailored for investors. Choose between interest-only (short-term savings) or principal & interest (long-term equity growth).
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Renovation Loans
Transform your property without draining savings. Renovation loans release funds based on post-renovation value, letting you borrow more than the home’s current worth.
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Self-Employed Loans
Traditional lenders often reject self-employed applicants for inconsistent income. We work with specialists who accept 1-2 years of tax returns or alternative docs like BAS statements.
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Low-Doc Loans
Can’t provide full financials? Low-doc loans use bank statements, invoices, or accountant letters to verify income—ideal for those with non-traditional proof of earnings.
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Ready to Start
Your Homeownership Journey?
Book a no-obligation consultation with one of our mortgage specialists today and take the first step toward finding your perfect financing solution.