The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a drop in rates.

Investment loans are structured in a specific way to allow you to make the most of your assets and finances. We can work with your financial planner and accountant to ensure your loan is set up to meet your specific needs, and we have access to competitive loan options that can help you maximise your investment returns.

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant

Commercial property and business lending policies and interest rates are rarely found on lender’s websites. Unlike residential home loans, the pricing of a commercial loan can be negotiated based on your background in business and the security to be offered. If you need help to refinance or purchase commercial property, just contact us today.

Running a small business often requires access to the right finance at the right time. Our small business experts can help you explore competitive funding solutions to support growth, manage working capital, purchase equipment, hire staff, invest in technology or take advantage of new business opportunities. We’ll help you find a solution that aligns with your business goals.

Every business has unique funding requirements. Our specialised business lending experts can help access tailored finance solutions across a wide range of industries and circumstances. Whether you're looking to purchase equipment, expand operations, manage cash flow, refinance existing debt or fund a new opportunity, we can help identify suitable lending options for your needs.

A construction loan broker helps you secure and manage specialized finance for building a new home, knocking down and rebuilding, or doing major structural renovations. Unlike standard home loans, construction loans release money in progressive stages (like the slab, frame, and lock-up phases), and a broker coordinates these drawdowns directly with your lender and builder

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

Looking to unlock the value in your home without having to sell it? A reverse mortgage may allow eligible homeowners aged 60 and over to access funds using the equity in their property. The funds can be used for a variety of purposes, including home improvements, living expenses, travel, debt consolidation, or helping family members financially.

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.

Need funding for repairs, upgrades or major works within your strata community? We can help connect you with competitive strata finance solutions designed to assist owners corporations and body corporates. These finance options can help fund maintenance projects, capital works, emergency repairs, sustainability upgrades and other shared property improvements.

A Self-Managed Superannuation Fund (SMSF) is a private superannuation structure regulated by the Australian Taxation Office (ATO) that allows members to manage their own retirement savings. Unlike public or industry super funds, the members of an SMSF are also the trustees (or directors of a corporate trustee), giving them direct control over investment strategies, asset allocation, and administration.