Services
I help Australians with every stage of the home loan journey from first purchase to building a portfolio. Access to 40+ lenders. Free service.
First Home Buyers
Buying your first home is exciting and a little overwhelming. I'll walk you through every step: how much you can borrow, what grants and schemes you might qualify for, and which lenders offer genuine first home buyer deals.
I specialise in low-deposit strategies (including 5% deposit loans and family guarantee structures) and make sure you understand exactly what you're signing.
Book a Free ChatWhat's included
- ✓First Home Guarantee (5% deposit, no LMI)
- ✓Family Home Guarantee for single parents
- ✓State-based first home buyer grants
- ✓Low-deposit loan options with competitive rates
- ✓Pre-approval before you start inspecting
Refinancing
The average Australian with a mortgage is overpaying by $300 to $500 per month simply because they haven't reviewed their loan in the last 2 years. Banks rely on loyalty and save their best rates for new customers.
I'll compare what you're currently on against 40+ lenders and show you exactly what switching could save you. No empty promises. I model it out on your actual numbers.
Book a Free ChatWhat's included
- ✓Rate and cashback comparison across 40+ lenders
- ✓Cashflow modelling showing exact monthly savings
- ✓Debt consolidation into your home loan
- ✓Equity release for renovations or investment
- ✓Fast turnaround. Most refinances settle in 4 to 6 weeks.
Investment Loans
Investment lending isn't just about the rate. It's about structure. The wrong loan setup can cap your borrowing capacity and limit your ability to grow your portfolio. I look at the whole picture.
Whether you're buying your first investment property or your fifth, I'll structure your lending so you maximise deductibility and keep your serviceability as clean as possible.
Book a Free ChatWhat's included
- ✓Interest-only and P&I options
- ✓Portfolio lending strategy
- ✓Cross-collateralisation advice
- ✓SMSF lending (select lenders)
- ✓Detailed borrowing capacity modelling
Self-Employed
Being self-employed makes home loan applications more complex. But it doesn't make them harder if you use the right broker. Different lenders treat self-employed income in very different ways.
I know which lenders use full tax returns, which accept BAS statements, and which have alt-doc products for business owners whose financials don't tell the full story.
Book a Free ChatWhat's included
- ✓Full-doc and alt-doc loan options
- ✓BAS-based income assessment
- ✓Company and trust borrowers
- ✓Accountant letter income verification
- ✓Fast-track approval for clean applications
Construction Loans
Construction loans work differently to standard home loans. Funds are drawn down progressively as the build progresses, and you only pay interest on what you've drawn.
I manage the loan through the build process, coordinate progress claims with your lender, and make sure there are no delays on the finance side while your builder is on site.
Book a Free ChatWhat's included
- ✓Owner-builder and licensed builder loans
- ✓Progressive draw-down management
- ✓Fixed price and cost-plus contracts
- ✓Land and construction package loans
- ✓Owner-occupied and investment construction
Debt Consolidation
Credit cards, personal loans, car finance. Rolling high-interest debt into your home loan can dramatically reduce your monthly outgoings and simplify your finances.
I'll model whether consolidation actually makes sense for your situation (it doesn't always) and structure it properly if it does.
Book a Free ChatWhat's included
- ✓Cashflow modelling before you commit
- ✓Credit card and personal loan payoffs
- ✓Car finance consolidation
- ✓Improved monthly cashflow
- ✓Single repayment, lower total interest
Not sure where you fit?
Book a free chat and I'll tell you exactly what's possible for your situation.
Book a Free Chat →