Home Loans
Home loans are rarely just about buying a house.
They’re about income that shifts, families that grow and careers that move in unexpected directions. From first home buyers to medicos, pilots, business owners and growing families, we structure lending that fits where life is now and where it's heading next.
We can also help you refinance, consolidate debt or use equity for new purchases when the time is right.
First Home Buyers
Buying your first home is a big step. We help you understand deposit requirements, potential government schemes, Lenders Mortgage Insurance (LMI), and how to position your application so you are in the strongest position possible. With our specialist insight into medical, aviation and unique income structures, we guide you through each step so you make confident decisions.
Access your free Specialist Broking First Home Buyer Playbook.
Owner Occupier Loans
Whether you are upgrading, downsizing or building your forever home, we structure owner occupier lending that aligns with both your short term needs and long term goals. We focus on ease, clarity and strategic finance so your home is a foundation, not a burden.
Pre-Approvals
A pre-approval gives you certainty before you commit. We help agents and vendors take you seriously, and we manage extensions or updates where needed. With a valid pre-approval in hand, you move with confidence instead of uncertainty.
Guarantor Loans
Sometimes you need a bit of backing. Guarantor arrangements can empower you to unlock a home sooner. We structure loans using the right guarantor framework, manage lender requirements, and reduce risk wherever possible.
Construction Loans
Building a home or renovation plan? Construction loans require staged funding and careful cash flow planning. We help you coordinate contracts, manage progress claims, and ensure your funding stays in sync with your build.
Bridging Loans
If you are moving from one home to another, bridging finance can help you avoid holding two mortgages simultaneously. We select lenders and structures that minimise risk, interest load and timeline friction.
Low Doc Loans
For self employed, contractors or clients with irregular income, low doc options exist. We match you with lenders who accept alternate evidence of income so you can still access finance even if your paperwork is not standard.
Medico Loans
We specialise in lending for doctors, dentists, allied health and medical professionals at every stage of their career. Whether you’re navigating registrar pay, complex income, practice structures or progressing from first home to investment, we structure finance that understands the medical path.
A LOCAL STORY: SETTLING INTO A NEW HOME
Supporting Danielle and Neil reminded us why specialist lending advice matters for busy professionals.
Between demanding careers in obstetrics and mechanics and five boys between our two families, life brings plenty of moving parts. Home lending should still feel steady and predictable.
We helped Danielle and Neil structure lending that protected their time, reduced stress and kept the path to settlement clear. Today they are settled into their new place by the coast, with a foundation that supports the next chapter for their family.
WHAT OUR CLIENTS SAY:
“From our first conversation, it was clear that Dan genuinely cared about helping us achieve our goals. His deep local knowledge and expertise were instrumental in guiding us to our dream home.
We felt supported, informed, and in safe hands throughout the entire process.”
Danielle and Neil Walker — Practice Manager and Mechanic