Home loans
Home loans for premium Australian property
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.
Who this is for
Buyers moving into a premium suburb, upgraders selling and buying in the same market, and families acquiring a home they intend to hold for a generation.
What usually goes wrong
A major bank reads your file as a form. It scores your income against a servicing calculator built for a salaried couple, then asks for the same documents twice. Meanwhile the campaign you care about is counting down.
What to bring to the first conversation
- What you own and what you owe
- Your last two payslips, or two years of returns if you are self-employed
- Any existing loan statements
- The suburbs and the price range you are working in
None of it is required to start. It just makes the first conversation more useful.
How we run it
Four steps, in this order.
Your position, before the paperwork
We start with what you actually own, owe and earn, and what the purchase has to achieve. Not a product recommendation on day one.
The lender chosen for your file, not the average file
Different lenders read the same income very differently. With a panel of over 38, the question is which one reads yours correctly.
A pre-approval you can bid on
Assessed, documented and current, with the conditions understood before you are standing in a crowd.
Settlement handled
Valuation, conditions and the run to settlement managed, with your conveyancer kept in the loop.
Construction and development
Building is a schedule as much as a budget. Finance that does not match the schedule becomes the problem on site.
NextRefinancing 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.
Talk to somebody about home loans.
One conversation, no documents needed to start, and nothing leaves this office.