Our lending
What we can
finance.
Five kinds of lending, plus debt advice and consolidation, for clients across Australia. Start with the list below, then open any category for the detail.
Everything we arrange
Percentages are the typical maximum funding as a share of the security's value. Terms, timeframes and document lists on this page reflect general market practice, not a guarantee: what's available depends on the security, the structure and your position, and is subject to assessment.
Residential lending
Home loans for first-time buyers, upgraders, refinancers and investors building a portfolio.
95%Typical maximum, of property value, with LMI
Your borrowing capacity isn't one number. Each lender applies its own interest-rate buffer, its own living-expense benchmarks and its own rules for bonuses, commission, overtime, rent and trust income, so the same household can be approved for very different amounts. We work out where you realistically land before anything is lodged, so the first application is the right one.
Then we look past the approval itself: how the loan is split, whether an offset or redraw suits you, fixed or variable, and whether the repayment still works if rates rise.
Typical terms
- Maximum lending
- Up to 95% of the property value with lenders mortgage insurance; generally up to 80% without it
- Loan term
- Up to 30 years
- Rate types
- Variable, fixed, or split between the two
- Repayments
- Principal and interest, or interest-only for a set period where the lender allows it
- Features
- Offset accounts, redraw and extra repayments, depending on the product
What we arrange
- First home purchases
- Deposit planning, guarantor structures where a family member's equity can reduce or remove LMI, and checking which government schemes or concessions you may be eligible for.
- Refinancing
- Moving to a loan that suits you better, releasing equity or rolling other debts in, with the switching costs worked out before you apply.
- Investment property and portfolios
- Structuring loans across several properties so one doesn't cross-secure the others more than it needs to, with the next purchase planned as well as this one.
- Self-employed and alt-doc
- Full-doc with recent tax returns, or alternative documentation such as BAS, an accountant's letter or business bank statements when your returns lag behind current income.
- Rate and structure reviews
- A look at your existing loan against what's available now, including whether your current lender will reprice before you move.
- Upsizing, downsizing and bridging
- Buying before you sell, with bridging finance covering the overlap, or sequencing the sale and purchase so you aren't carrying two loans for longer than necessary.
How we approach it
We check first
Your borrowing capacity changes depending on who you ask. We find out where you land across lenders' policies before lodging anything.
We present it properly
Bonuses, commissions, trust income and rent are all read differently. We make sure yours is read fairly.
We check it still works
The repayment that suits you today should still suit you if rates move. We test that before recommending anything.
What you'll likely need
- Identification and proof of income
- Recent payslips, or business financials if self-employed
- Living expenses and existing commitments
- Deposit or equity position
- Statements for existing loans and credit facilities
Common questions
It depends on the lender and the loan. Borrowing more than 80% of the property value usually means paying lenders mortgage insurance, and some lenders will go to 95% with it. A guarantor, or a government scheme you're eligible for, can sometimes reduce the deposit you need or the LMI you pay.
Fixing gives certainty for the fixed period, but it usually limits extra repayments and offset, and breaking it early can cost you. Variable keeps that flexibility. Many people split the loan to get some of each.
Only if the saving outweighs the cost of switching: discharge and government fees, any break costs on a fixed rate, and LMI again if you'd be borrowing above 80%. We work that out before you apply anywhere.
Commercial finance
Buying, refinancing or releasing equity from office, retail, industrial and specialised property.
75%Typical maximum, of property value
Commercial lending is priced on the property's income as much as on the borrower. Who the tenants are, how long their leases run and how reliable they are for the rent shapes the loan amount, the rate and the conditions more than almost anything else.
We look at the tenancy and the income first, then put the submission together the way a credit assessor reads one, with their questions already answered. Pricing and policy exceptions get discussed with the people who can actually approve them.
Typical terms
- Maximum lending
- Commonly up to 65 to 75% of the property value, and less for specialised property
- Loan term
- Amortised over 15 to 25 years in most cases; some bank facilities run on shorter terms and are reviewed before renewal
- Assessment
- The rent, lease length, tenant quality and how comfortably the income covers the interest
- Valuation
- A panel valuation of the property, ordered by the lender
- Documentation
- Full-doc, or lease-doc where the rent covers the repayments
What we arrange
- Owner-occupier purchases
- Buying the premises your business trades from, assessed largely on the business's own financials.
- Investment purchases
- Leased office, retail and industrial property, assessed on the rent, the lease terms and the strength of the tenants.
- Portfolio refinance and equity release
- Moving an existing facility, consolidating several loans into one, or releasing equity for the next acquisition.
- Lease-doc lending
- Where the rent covers the repayments on its own, some lenders rely on the lease rather than full financials, usually at a lower loan-to-value ratio.
- SMSF commercial property
- Buying commercial property inside a self-managed super fund through a limited recourse borrowing arrangement. The fund's compliance is a matter for your accountant and licensed adviser.
- Specialised security
- Childcare, medical, service stations, hospitality and other specialised property, which usually needs a larger contribution and a lender with the right policy.
How we approach it
The tenancy comes first
Who's in the building, how long they're staying and how good they are for the rent shapes your terms more than anything else.
The file arrives complete
We put the submission together the way an assessor reads one, so their questions are already answered in it.
We argue it where it counts
Pricing and policy exceptions get discussed with the people who can actually approve them.
What you'll likely need
- Financial statements and tax returns for the borrowing entity
- Guarantor financial position
- Current leases and a rent roll
- An ATO portal report confirming obligations are current
- A panel valuation of the security
- Contract of sale, where it's a purchase
Common questions
More than you would for a home, and how much more depends on what you're buying. Standard office, retail and industrial sit at one end of the range. Specialised property such as childcare, service stations or hospitality usually needs more.
One where the rent coming off the property covers the repayments on its own, which can remove the need for full financials if you're not borrowing heavily against the value. It isn't automatically cheaper or simpler: you're trading paperwork for how much you can borrow.
Often yes, within superannuation rules and with the lenders that still write SMSF loans. The structure needs to be right before finance is arranged, and the fund's compliance is a matter for your accountant and licensed adviser.
Development finance
Funding from site acquisition through construction to the sale of the last dwelling.
70%Typical maximum, of total development cost
Development funding is assessed on the project: the feasibility, the builder, the presales and the end value. Lenders cap the loan against both the total development cost and the completed value, so a project that looks fine on one measure can fall short on the other.
No lender can rescue a feasibility that doesn't stack up, so we test yours honestly first. Site and construction funding are planned together, drawdowns are set against your builder's schedule, and the quantity surveyor, valuer and lender's conditions are coordinated so nothing sits waiting between stages.
Typical terms
- Maximum lending
- Around 70% of total development cost, also capped as a share of the completed value
- Loan term
- Matched to the build programme, commonly 12 to 36 months
- Interest
- Usually capitalised, so it's added to the loan during construction rather than paid monthly
- Drawdowns
- Progress payments released against a quantity surveyor's sign-off, not the builder's invoice
- Presales
- Required by some lenders; others need few or none, usually at a higher cost
What we arrange
- Site acquisition and land banking
- Funding to secure a site, with or without planning approval, with the construction stage planned from the start so the first loan doesn't block the second.
- Construction facilities
- Multi-unit residential builds such as townhouses, duplexes and apartments, funded in stages against your builder's programme.
- Commercial and mixed-use builds
- Office, retail, industrial and mixed-use projects, assessed on cost, presales or pre-leasing, and end value.
- Subdivision and land development
- Civil works and titling for land subdivisions, through to the sale of the lots.
- Mezzanine and stretch senior debt
- Additional funding that sits behind or extends the senior loan, reducing the equity you need to put in, at a higher cost.
- Residual stock and take-out
- Refinancing completed but unsold dwellings so the construction loan can be repaid while you finish selling.
How we approach it
The numbers come first
No lender can rescue a feasibility that doesn't stack up. We'd rather test yours honestly than take it to market and find out there.
Money arrives when it's needed
Drawdowns are set against your builder's schedule, so funding turns up when the work does.
We keep it from stalling
The quantity surveyor, the valuer and the lender's conditions all get coordinated, so nothing sits waiting between stages.
What you'll likely need
- A feasibility study and development budget
- Planning approval and the construction programme
- Builder details and the building contract
- Presale position, where the structure requires it
- A quantity surveyor report and panel valuation
- Developer and builder track record
Common questions
It depends who's funding it and what you're building. Some structures work with few presales or none at all, usually at a higher cost, because the lender is carrying more of the sales risk. How much you're putting in, who's building it and what you've completed before all count too.
They check your development budget independently before funding starts, then sign off progress as the job goes on. Lenders release each drawdown against that sign-off rather than the builder's invoice.
Usually as two facilities, sometimes from two different lenders. The trap is arranging the site funding on its own and then finding nobody will fund the build on top of it, so we plan both together.
Private lending
Short-term funding for when the timing matters more than the rate.
65%Typical maximum, of property value, first mortgage
A settlement about to fall over, or a deal the banks won't move on in time. Private funding is assessed on the security and on how you'll repay it, through a sale, a refinance to a bank or a project reaching completion, rather than on your full serviceability.
It costs more than a bank. That's the trade-off for speed and flexibility, so we agree the exit before you draw the money, and tell you plainly whether the premium is worth paying.
Typical terms
- Maximum lending
- Commonly up to 65% of the property value on a first mortgage
- Loan term
- Months rather than years; commonly 3 to 12 months
- Interest
- Often prepaid or capitalised at settlement rather than paid monthly
- Assessment
- The security and the exit, rather than full serviceability
- Cost
- Higher rates and fees than a bank, in exchange for speed and flexibility
What we arrange
- Bridging finance
- Covering the gap between buying one property and selling another, or between settlement and a bank refinance.
- Caveat loans
- Very short-term funding secured by a caveat over property rather than a registered mortgage, for genuinely time-critical needs, at a higher cost.
- Settlements that can't wait
- When a bank approval won't arrive before the settlement date and penalties, or the deposit, are on the line.
- Deals outside bank policy
- Complex income, recent credit issues or unusual security, where there's a clear and realistic way out.
- Asset-backed business funding
- Short-term capital for a business need, secured against property and repaid from a sale, a refinance or a known event.
How we approach it
The exit comes first
We agree how the loan gets repaid before you draw a dollar, and test whether that exit is realistic.
We size it honestly
You borrow what the exit supports, not the most a lender will advance, because every extra month costs more.
The way out starts early
Where the exit is a bank refinance, that application starts alongside the private loan, not after it.
What you'll likely need
- Details of the property offered as security
- A clear exit, and evidence it's realistic
- Your deadline, and the contract if it's a purchase
- Identification for every borrower and guarantor
Common questions
When speed matters more than the rate: a settlement about to fall over, something that won't wait, or a case where you can clearly see the way out but the usual serviceability test doesn't.
On the security and the exit, rather than your full serviceability. The lender's real question is how they get paid back: a refinance across to a bank, a sale, or a project reaching completion.
More than a bank. That's the trade-off for speed and flexibility, and it's why the exit has to be settled before you draw the money rather than figured out later.
Business finance
Cash flow, equipment, vehicles and growth capital for businesses already trading.
100%Typical maximum, of equipment value, chattel mortgage
Lenders look at your trading history, the financials, whether your tax is up to date and whether the cash flow genuinely covers the repayments. The same business can look quite different depending on how that's presented, so the submission is written to answer an assessor's objections before they're raised.
Equipment finance is usually secured by the equipment itself. Working capital might be secured against property or business assets, or unsecured at a higher price. Which suits you is part of the conversation.
Typical terms
- Equipment finance
- Up to 100% of the equipment value, commonly over one to five years
- Security
- The equipment itself, business assets, property, or none at a higher price
- Balloon payments
- An optional lump sum at the end of an equipment loan to lower the regular repayments
- Assessment
- Trading history, financials, tax position and how comfortably cash flow covers the repayments
What we arrange
- Working capital and cash flow
- Overdrafts, lines of credit and business loans that smooth out seasonal swings or long payment cycles.
- Equipment, fleet and plant
- Chattel mortgages and other equipment finance for machinery, tools and plant, usually secured by the equipment itself.
- Vehicle finance
- Cars, utes, vans and trucks used in the business.
- Expansion and growth capital
- Funding a new site, a fit-out, more staff or a contract larger than your cash flow can carry.
- Acquisitions and buy-ins
- Buying a business or buying into one, assessed on its track record and on the deal itself.
- ATO and business tax debt
- Refinancing tax debt into a structured loan where it makes sense, working alongside your accountant.
How we approach it
We read it like an assessor
Add-backs, one-off costs and owner wages change how your business looks on paper. We present them properly.
The facility fits the need
Equipment on an equipment loan, seasonal gaps on a working-capital line, so short-term needs aren't funded with long-term debt.
Tax gets sorted first
An ATO position that isn't current holds up nearly every application, so it's dealt with at the start.
What you'll likely need
- Financial statements and tax returns for the business
- Trading history
- An ATO portal report showing tax is up to date
- Cash flow showing the repayments are covered
- Quotes or invoices for equipment and vehicles
Common questions
Covering cash flow, buying equipment or vehicles, funding growth, or backing an acquisition or a buy-in to something existing.
It depends what you're after. Equipment finance is usually secured by the equipment. Working capital might be secured against property or business assets, or unsecured at a higher price.
Trading history, the financials, whether your tax is up to date, and whether the cash flow really covers the repayments. How that's presented matters more than people expect.
Debt advice and consolidation
High-interest loans, credit cards, buy now pay later, or tax owed to the ATO.
We lay out everything you owe, side by side, and work out the options, showing what each costs over its full term, not just per month. Where consolidating or refinancing makes sense, we arrange it and see it through to settlement. Where it doesn't, we'll say so, ideally long before bankruptcy is on the table.
Consolidating can cost more overall if it stretches the debt over a longer term, so you'll see the total cost before you decide.
Worth knowing
- Hardship
- Under the National Credit Code you can ask a lender to change your repayments because of hardship, and it generally has to respond within 21 days
- ATO payment plans
- Many people can set up a plan online for tax debts of $200,000 or less; interest keeps accruing while it runs
- ATO interest
- General interest charge incurred from 1 July 2025 is no longer tax-deductible
- Bankruptcy
- Generally lasts three years and one day, stays on your credit report for at least five years, and your name stays on the public insolvency register permanently
- Free help
- Independent financial counselling through the National Debt Helpline on 1800 007 007
What we can arrange
- Consolidating into one loan
- Several debts replaced by one loan with one repayment, ideally at a lower rate, with the total cost over the full term shown up front.
- Refinancing against property
- Using equity in property you own to clear higher-interest debt. It can lower repayments, but it turns unsecured debt into debt secured against your property.
- Refinancing ATO debt
- Replacing a tax debt with a business loan or a loan against property, so interest charges stop compounding and there's one structured repayment.
- Restructuring business debt
- Bringing equipment, overdraft and short-term business debts into a structure the cash flow can carry.
- Options before bankruptcy
- Where refinancing won't fix it, we'll say so and point you to the right help: hardship arrangements, a financial counsellor, or the formal options administered by AFSA.
How we approach it
See it all in one place
Every debt, its interest rate and what it costs you each month, side by side.
Work out the options
One lower-rate loan in place of several, refinancing against property you own, or restructuring business and tax debt, each costed over its full term.
Put it in place
Where a consolidation or refinance makes sense, we arrange it and see it through to settlement. Where it doesn't, we'll say so.
Where it usually starts
- Several high-interest debts: credit cards, personal and car loans, buy now pay later
- Tax owed to the ATO, personal or business
- Repayments that no longer fit the budget
- Business debts squeezing cash flow
- Creditors or the ATO starting recovery action
- Worry that bankruptcy is the only option left
Common questions
No. A lower rate over a much longer term can cost more in total. We show the full cost of each option, not just the monthly repayment, before you decide.
We arrange the finance. Payment arrangements with the ATO are made by you or your registered tax agent, so we work alongside your accountant.
Contact your lender early and ask for a hardship arrangement. It's free to ask, and the lender has to consider it. Free financial counselling is also available through the National Debt Helpline on 1800 007 007.
Whichever you need
The same four
steps, every time.
You'll always know what happens next, and why. See the full process
We work out what's possible
What you earn, what you owe and what you're trying to do. You'll know what's genuinely achievable, including when the honest answer is “not yet”.
We design the structure
Who borrows, how the loan splits, fixed or variable, and which property secures what. Then we check it still holds if conditions change.
It goes in complete
The application is put together with an assessor's questions already answered, and you hear the reasoning behind every recommendation.
We see it through
Valuation, paperwork and your conveyancer are coordinated through to settlement. After that, we keep an eye on the loan as things change.
Next step
Not sure which
one you need?
Most people aren't. Describe the situation and we'll tell you what it actually calls for.