Home loans
For the purchase you intend to keep. Structured so the pre-approval holds when you bid, and so the loan still suits you in five years.
Read moreServices
Nine ways we fund things. One way of working.
Read your position properly, choose the lender who can actually assess it, negotiate the terms, and stay on the file until it settles. What changes is the instrument.
Refinancing and restructuring
A loan that fitted when you signed it may be the wrong shape now. Refinancing is the obvious move. Restructuring is usually the valuable one.
Read moreSelf-employed, company and trust
The clients the Big Four find hardest are usually the ones with the strongest balance sheets. Complexity is not risk. It is just work that somebody has to do properly.
Read moreInvestment and portfolio
One investment property is a purchase. Four is a structure. The difference matters long before you reach four.
Read moreCommercial and business
Funding the premises, the acquisition or the working capital, without putting the family home in the middle of it by default.
Read moreConstruction and development
Building is a schedule as much as a budget. Finance that does not match the schedule becomes the problem on site.
Read moreAlso handled
Three more, without a page each.
Debt consolidation
Several debts at several rates, all with their own dates and minimums, cost more than they need to and take up more attention than they deserve. Consolidating is straightforward when it genuinely reduces the total cost and the exposure. Where it just moves short-term debt into a thirty-year loan and quietly increases what you pay overall, we will say so.
Asset and equipment finance
Vehicles, plant and equipment, financed through leasing or hire purchase so the asset carries its own funding rather than consuming working capital or sitting against the family home. Structured with your accountant so the treatment suits your entity.
Private funding
For positions the mainstream will not fund on a workable timeframe, private funding is a legitimate instrument. It is more expensive, and it is short term by design, so it needs a clear purpose and a defined exit before it makes any sense. We will tell you plainly when it is the right tool and when it is not.
Not sure which of those you need?
Most people are not, and it does not matter. Describe the situation and we will tell you which instrument fits and what it involves.