HOME LOANS

Trust distributions, a mix of wage and profit, or a year where the add-backs tell a different story than the tax return. All of it sits inside each lender’s credit rules, and those rules are not the same. We’ll help you work out which ones your position actually fits.

• Income read from the structure you actually use, not forced into a payslip shape

• Financials collected directly from your accountant so you don’t have to worry about the fine print

• If the answer is not yet, the number and the timeline that change it

If your business is trading well but the latest returns have not caught up, your income can be verified another way. Business Activity Statements, a signed declaration from your accountant, or business bank statements, depending on which lender you are sitting in front of.

• BAS, an accountant’s declaration or business bank statements, instead of two years of returns

• Which lenders accept which of those, because they do not all accept the same ones

• The path back to a mainstream lender later, once your financials catch up

Equity is the gap between what the property is worth and what you still owe. As the property rises or the loan comes down, that gap may grow, and some of it may be usable. Whether it should be used is a separate question, and the one worth asking first.

• How much usable equity you may have, and how lenders calculate it

• What accessing it now does to your borrowing capacity later

• Whether leaving it untouched this year is the better call

A guarantor loan suits a buyer who can comfortably repay a home loan but has not had the years to save a 20% deposit. It creates responsibilities for two households rather than one, which is why both of them sit in the conversation.

• What the guarantor is responsible for, and what they are not

• How the structure can help avoid Lenders Mortgage Insurance

• Questions from the borrower and the guarantor, answered in the same room

You found your next home but the current one has not been sold yet. Bridging finance focuses on selling properly rather than quickly. For most people it is the difference between having to move twice.

• Whether the structure is affordable against your position, equity and exit strategy

• Auction and relocation timing, where the settlement dates were never going to line up

• Whether bridging is the wrong answer for you, which it sometimes is

Progress payments, builder contracts, and lenders whose rules cover the build you are planning.

• We unpack how progress payments work so you don’t pay interest on money you haven't used yet.

• We analyse your builder’s contract upfront to ensure it fits strict lender valuation criteria.

• If your timeline blows out, we manage the extension requests so your funding doesn't lock up.

Most people arrive asking about the rate. It is usually the least important reason to move.

• We check your current rate against the market to see exactly how much "loyalty tax" you’re paying.

• We renegotiate with your existing bank first before making you go through the hassle of moving.

• If switching banks makes sense, we handle the exit fees and paperwork so the transition is seamless.

Structuring the next purchase so that it does not close the door on more.

• We structure your loans correctly from day one to maximise your tax deductions and protect equity.

• We calculate your true borrowing capacity using realistic rental yield projections from local data.

• We pair you with lenders who understand complex corporate structures, trusts, and SMSFs.

Schemes, grants and deposit rules, clarified against common financial myths.

• We map out every available government grant and scheme to instantly boost your buying power.

• We explain exactly how much deposit you need, and how to avoid paying Lenders Mortgage Insurance (LMI).

• We translate the confusing jargon into plain English so you know exactly what you’re signing.