Whether you’re buying your first home or upgrading, we help you secure the right loan structure – with advice on offset accounts, redraw, and repayment strategies to suit your cash flow and long-term goals.

We help investors structure loans to maximise tax efficiency, manage risk, and support future borrowing capacity – including interest-only strategies and debt recycling.

We review your existing loans to identify opportunities to reduce interest costs, improve flexibility, or restructure for better tax outcomes.

We help unlock equity in your current assets to help fund anything from business expansion to home improvements. With a line of credit, you only pay interest on the funds you use.

We assist with staged construction finance, including land purchase and progressive drawdowns – ensuring your loan structure supports your build timeline and budget.

Finance for medical, dental, and business equipment – structured to match asset life and cash flow, with options for leasing, chattel mortgage, or hire purchase.

Vehicle finance for personal or business use, with advice on ownership structures, tax implications, and end-of-term options.

Funding for owner-occupied or investment commercial property – including SMSF lending where appropriate.

We help simplify and restructure multiple debts into a single, manageable facility – often reducing repayments and improving cash flow.

Specialist advice on limited recourse borrowing arrangements (LRBAs) for SMSFs investing in property – including tax and SMSF administration advice and services.

Our lending advice is aligned with your financial planning, tax, and accounting strategy – not siloed or transactional.

We offer access to exclusive lending solutions for doctors, including:

• Higher loan-to-value ratios (LVRs) without paying Lenders Mortgage Insurance (LMI)
• Specialist policies that assess future projected income, not just current earnings
• Strategic guidance on good debt vs bad debt (think LDL vs HDL) to support long-term wealth creation

We don’t just chase the best rate – we help you:

• Decide when to pay down debt vs accumulate in offset accounts
• Structure loans to quarantine non-deductible debt when upgrading homes
• Maximise tax deductibility – potentially halving the effective cost of debt for high-income earners

Not all lending is straightforward. We support:

• Self-employed clients with variable income
• Business owners with layered financials
• Clients needing access to non-bank and specialist lenders

No – we have access to a broad panel of lenders, including major banks, second-tier lenders, and specialist providers. This allows us to find the right fit for your needs, not just the most familiar name.

Yes. We specialise in working with self-employed clients and business owners. Our in-house accounting team helps verify income and structure your application to give you the best chance of approval.

We offer more than just a loan – we offer strategic lending advice. That means:

• Structuring your debt to align with your tax and financial goals
• Helping you understand when to pay down debt vs use offset accounts
• Coordinating with your accountant or financial adviser to ensure everything works together

Lenders Mortgage Insurance (LMI) is a fee charged when you borrow more than 80% of a property’s value. For eligible medical professionals, we can often access higher LVRs without LMI, meaning:

• Lower deposits required
• Potentially higher borrowing capacity
• Significant cost savings upfront

Importantly, for doctors and some other professionals, we have access to lenders with bespoke lending policies where LMI can be avoided with higher loan to value ratios.

Yes. We provide specialist advice on limited recourse borrowing arrangements (LRBAs) for SMSFs investing in property. We coordinate with our SMSF administration team and accountant accounting team to ensure compliance and strategic alignment.

We offer transparent, tailored pricing based on the complexity of your needs. During your initial consultation, we’ll explain our fee structure clearly so you know exactly what to expect – no surprises.