Finance & Lending
A broker who has already read your financials — because we prepared them.
Home loans, refinancing, business and asset finance. The self-employed applications that other brokers find hard are the ones we do most.
Why it matters
The tax return that saved you money is the same document costing you borrowing power.
Every self-employed borrower runs into this. Your accountant spent the year legitimately minimising your taxable income. The lender assesses your taxable income. Nobody warned you the two were connected.
What we do about it
- Identify every add-back your financials support — depreciation, additional super, one-off costs, interest being refinanced
- Choose the lender whose policy treats your structure best, because retained profit and trust distribution treatment varies enormously
- Plan the two years before you apply, not the two weeks
- Make sure prior year returns are lodged — the most common reason an application stalls
- Submit once, to the right lender, rather than shopping your credit file around
If you are planning to borrow in the next two years
Tell us now, before we finalise this year’s returns. The trade-off between tax paid and borrowing capacity is a decision you should get to make deliberately — most people only find out it existed after a lender has already said no.
What we arrange
Lending services in detail
Home loans
First home, next home, or an investment purchase. We work out what you can actually borrow before you fall in love with a property, and structure the loan so it still makes sense in five years.
- First home buyer applications and grant eligibility
- Upgrader and bridging scenarios
- Investment property lending and portfolio structuring
- Guarantor and family pledge arrangements
- Construction and knock-down-rebuild loans
- Offset, redraw and split structures explained properly
Refinancing & equity release
Existing lenders price new customers better than loyal ones. We check what you are on, what is available, and whether moving actually pays after switching costs.
- Rate review and repricing with your current lender first
- Full switching cost and break-even analysis
- Refinance to the remaining term, not a fresh 30 years
- Equity release for renovation, investment or business capital
- Debt consolidation with a repayment plan attached
- Fixed rate expiry reviews before you roll to the revert rate
Business loans & working capital
Matching the facility to the problem. A term loan, an overdraft and invoice finance solve completely different problems, and using the wrong one creates a cash flow issue that looks structural.
- Term loans for acquisition, fit-out and expansion
- Overdrafts and lines of credit for working capital
- Invoice and debtor finance
- Trade and import finance
- Business acquisition and goodwill lending
- Commercial property purchase and refinance
Car, equipment & asset finance
Vehicles, machinery and plant — with the GST and depreciation consequences worked out before you sign, not discovered at the next BAS.
- Chattel mortgage, finance lease and operating lease
- Novated leasing where there is a payroll to run it through
- Yellow goods, trucks and specialised plant
- Technology and fit-out equipment finance
- Comparison on total cost, not the monthly repayment
- GST timing and deduction impact modelled first
Property & development finance
Small to mid-scale residential and commercial development. Facilities sized on LVR, LCR and total development cost — with the finance costs in the feasibility from day one.
- Construction facilities with progressive drawdown
- Land banking and site acquisition
- Presale requirements and how to reduce them
- Non-bank and private credit where speed matters
- Feasibility review before you commit to a site
- Residual stock and exit refinance facilities
SMSF lending
Limited recourse borrowing arrangements for funds buying property — structured correctly, with the bare trust and the compliance consequences understood before settlement.
- Limited recourse borrowing arrangement structuring
- Bare trust and holding trustee setup coordination
- Residential and commercial property inside super
- Business real property purchase for your own premises
- Lender selection for SMSF policy, which is narrow
- Compliance review alongside our SMSF administration team
How an application runs
From first call to settlement.
- 1
Position review
Income, structure, existing debts, credit file and deposit. We tell you what is realistic before anyone runs a formal application.
- 2
Lender selection
We match your scenario against lender policy — not just rate. Which one treats retained company profit as income? Which one will accept one year of returns?
- 3
Submission
A complete, properly presented application with the add-backs explained and every supporting document attached. Submitted once.
- 4
Approval to settlement
Valuation, formal approval, loan documents and settlement coordination with your solicitor or conveyancer. We stay on it so you are not chasing.
How we get paid
For most residential home loans, the lender pays us a commission when your loan settles — upfront and an ongoing trail. You pay nothing. We disclose the actual amounts in writing in your credit proposal before you apply, along with any conflicts. Where a scenario does attract a fee — some commercial, development and specialist lending — you will know the amount before we start work, not after.
Questions
What borrowers ask us first.
What does a mortgage broker cost me?
In the vast majority of residential home loans, nothing. The lender pays the broker a commission on settlement. We disclose every commission — upfront and trail — in writing before you apply, so you can see exactly what we are paid and by whom. Some commercial, development and specialist scenarios do carry a fee, and if yours does you will know the amount before any work starts.
I'm self-employed. Is that a problem?
It is our most common scenario. The complication is that the tax planning that legitimately reduces your taxable income also reduces your assessed borrowing capacity. Because we prepare financials as well as submit applications, we identify the add-backs — depreciation, additional super, one-off expenses, retained profits — and choose the lender whose policy treats your structure most favourably. Those policy differences are large.
Will applying hurt my credit score?
Each formal application leaves an enquiry on your credit file, and several enquiries in a short window looks like repeated declines to the next assessor. That is exactly why we assess your position against lender policies before submitting anywhere, and aim to submit once, to the right lender.
How many lenders do you work with?
We work across a broad panel including the major banks, second-tier and non-bank lenders, and specialist and private lenders for commercial and development scenarios. The panel matters less than the policy knowledge — the right question is which lender treats your specific income structure best, not how long the list is.
I have an ATO debt. Can I still borrow?
Often, yes — but it needs handling. An unmanaged ATO liability is treated as a serious negative by most lenders, and in defined circumstances ATO debts can be reported to credit bureaus. A formal payment plan in good standing is a substantially better position than an unaddressed debt. This is one of the situations where having your accountant and your broker in the same room genuinely changes the outcome.
How long does a loan take?
For a straightforward residential application with documents ready, pre-approval is typically days and formal approval a couple of weeks, subject to valuation. Commercial and development facilities take longer, usually four to eight weeks, and depend heavily on how complete the submission is. The single biggest variable is document readiness — which is why we ask for everything up front.
Find out what you can actually borrow, before you start looking.
A thirty-minute call and we will tell you the realistic number, what is holding it back, and what would move it. No credit enquiry, no obligation. Monday to Friday, 9:00am – 5:00pm.