Tell us what you need

Choose whether you’re refinancing or applying for a new loan, and fill a short questionnaire.

We compare and tailor options

We’ll assess your profile and present the home loan options that best suit you.

Select & finalise

Pick a loan, complete the documentation online, and our team assists you to settlement.

Self-Employed Borrower Without Tax Returns

Teresa wanted to purchase an investment property. As a self-employed individual, she hadn’t completed her tax returns due to personal reasons.
Her savings were limited—just enough to cover a 12% deposit and stamp duty.

After approaching several banks and brokers, Teresa was told she only qualified for a low-doc home loan with an interest rate above 7.5% plus a 1% risk fee, provided she had at least a 20% deposit—which she didn’t.
With her property settlement due in just two weeks, she was anxious and desperate for a solution.

Fortunately, a friend (our existing client) referred her to us.
Our broker reviewed her situation and successfully secured a home loan at only 5.75% interest with no risk fee, allowing Teresa to settle on time and save thousands in costs.

Client with Poor Credit and High-Interest Loan But NO Default

Josh had multiple late credit card payments, which severely affected his credit score.
Big banks refused his application, so his previous broker arranged a non-bank loan at over 8% interest plus a 1% risk fee. The high repayments became a financial burden, leaving Josh struggling to keep up.

He wanted a personal loan to ease the pressure, but his broker told him he wasn’t eligible because of his poor repayment history and that interest rates would exceed 10%.

When Josh came to us, our broker carefully assessed his full financial situation.
We found that his property had sufficient equity, so we refinanced his loan at 6.52% interest with no risk fee, and helped him cash out $70,000 at the same rate to improve his cash flow and stabilise his finances.

Client With Insufficient Borrowing Capacity

Catherine and her husband purchased an off-the-plan property two years ago when both were working full-time. Their previous broker assured them that their borrowing capacity was strong and financing wouldn’t be an issue.

However, after giving birth, Catherine had to resign to care for her newborn.
When the developer notified her that the property would be ready for registration in one week, she only had three weeks to settle.

Her broker then informed her that their borrowing capacity had dropped to $550,000—far short of the $1.2 million they needed to settle.

Catherine found our company through social media and reached out for help.
We quickly assessed her case and successfully secured a $1.2 million home loan, ensuring her property settled on time.

If you are facing challenges such as:

• Insufficient borrowing capacity
• High interest rates
• Bad credit history (without defaults)
• Low-doc loan restrictions
• Being told by banks or brokers that you are not eligible for a home loan

— don’t give up.
Our experienced brokers specialise in finding solutions where others cannot.
Contact us today, and let us help you achieve your financial goals.

Lower Interest than market rate

Choose whether you’re refinancing or applying for a new loan, and fill a short questionnaire.

We do all the hard work

Seamless switching

Easy transition between lenders or from an existing loan with minimal fuss.

Personal Expert Guidance

Our expert brokers will help guide you through the process and get you to your goal sooner.