FAQS

We offer a comprehensive range of lending solutions, including residential home loans, self-employed alt doc loans, commercial property loans, and SMSF loans across both residential and commercial security. Whether you're a first-home buyer, a seasoned investor, a self-employed borrower, or an SMSF trustee, we have a product designed for your circumstances.

Our residential loan solution is available to both PAYG (wage and salary) employees and self-employed borrowers. Borrowers holding an approved temporary visa may also be considered.

The minimum deposit required will depend on the loan product and your individual circumstances. Our residential loan solution supports a maximum LVR of 95% (including LMI), which means it may be possible to purchase with as little as a 5% deposit plus cost. Lenders Mortgage Insurance (LMI) applies when your deposit is less than 20% of the purchase price, though LMI can be capitalised into your loan rather than paid upfront.

Our residential loan solution is available to both PAYG customers and self-employed borrowers looking to purchase or refinance an investment property. Borrowers holding an approved temporary visa may also be considered. Your individual circumstances, including your existing liabilities, income, and current property holdings, will all be assessed as part of the application.

A standard home loan provides a single lump sum at settlement. A construction loan works differently; funds are released in stages, known as progress payments, as each phase of the build is completed. During the construction period, you only pay interest on the funds that have been drawn down, rather than the full approved loan amount. Once construction is complete, the loan typically converts to a standard principal and interest (or interest-only) home loan.

Our business lending solution is available to both PAYG customers and self-employed borrowers, including sole traders, company directors, trust beneficiaries, and partnership operators. The loan supports purchase, refinance, and cash-out purposes secured by commercial property. Your individual circumstances, including your business structure, income verification method, existing liabilities, and the nature of the security property, will all be assessed as part of the application. We'll work through your eligibility with you before you apply to ensure there are no surprises.

An SMSF property loan allows your Self-Managed Super Fund to borrow money to purchase an investment property, either residential or commercial, using a structure known as a Limited Recourse Borrowing Arrangement (LRBA). Under an LRBA, the property is held in a separate bare trust (also called a holding trust) on behalf of the SMSF while the loan is outstanding. The lender's recourse is limited to the asset held in the bare trust; the other assets of the fund are protected. Once the loan is fully repaid, legal ownership of the property transfers from the bare trust into the SMSF. All rental income and any capital gain on the property flows back into the superannuation fund, subject to the applicable tax treatment within the fund.

Refinancing may be worth considering if your current loan has an uncompetitive interest rate, lacks features that would benefit your situation (such as an offset account or redraw facility), or if your financial circumstances have changed and a different loan structure would serve you better. However, refinancing also involves costs, including discharge fees on your current loan, application and settlement fees on your new loan, and potentially break costs if you're on a fixed rate. We'll conduct a full cost-benefit analysis and give you an honest assessment of whether refinancing will deliver a genuine net benefit for your situation.

Loan structuring refers to the deliberate design of how a loan or a suite of loans is set up to best serve the borrower's financial objectives. It covers decisions about which entity holds the loan, what security is used, how the facility is split across owner-occupied and investment purposes, whether repayments are principal and interest or interest-only, how offset accounts are positioned, and how multiple facilities interact with each other. These decisions affect your cash flow, your tax position, your future borrowing capacity, and your ability to grow your financial position over time. Getting them right from the outset rather than correcting them later through refinancing can make a meaningful and lasting difference to your long-term financial outcomes.

Debt consolidation is the process of combining multiple separate debts into a single loan, typically a secured loan against your residential property, replacing a range of individual obligations with a single structured repayment. The consolidation is usually achieved through a refinance of your existing home loan, with the balances of the debts being consolidated added to the new loan amount. The goal is to simplify your financial management, reduce the total number of repayments you make each month, and potentially lower the overall interest rate on the consolidated debts, since most unsecured consumer debts carry a considerably higher rate than secured property loans.

A loan pre-approval, sometimes called a conditional approval or approval in principle, is a formal assessment of your application to borrow up to a specified amount, based on the income, expenses, liabilities, and deposit information you provide. It confirms that a lender is prepared, in principle, to lend you that amount, subject to the conditions specified in the approval, most commonly a satisfactory valuation of the security property and confirmation that your financial circumstances have not materially changed between the date of pre-approval and the date of full application. We manage the entire pre-approval process on your behalf, from preparing the application and gathering documentation through to receiving and explaining the conditional approval.