Services
How I help you into the right loan
Whether you’re buying your first home, building an investment portfolio, or wondering if your current loan still stacks up — here’s exactly how it works, in plain English. No jargon, no pressure, and no cost to you in almost every case.
First home buyer
Buy your first home sooner, with less guesswork
Getting into your first home can feel like everyone’s speaking a different language — deposits, LMI, grants, schemes. My job is to translate all of it, then point you at the lenders and government help you’re actually eligible for. You end up with a clear number to aim for and a plan to hit it.
There’s real support out there for first home buyers, and it changes from time to time. Programs like the First Home Guarantee (which can let eligible buyers purchase with a smaller deposit and no Lenders Mortgage Insurance), the First Home Owner Grant, the First Home Super Saver Scheme, and state stamp duty concessions can each make a big difference. Eligibility rules, price caps and availability vary by state and change over time, so we’ll always check the latest before you count on anything.
How it works
Work out your budget
We look at your income, savings and spending to find a realistic price range — and which schemes could stretch it further.
Get pre-approval
I match you to a lender likely to say yes and line up pre-approval, so you can shop and make offers with confidence.
Buy and settle
Found the one? I handle the paperwork, lender back-and-forth and approvals right through to settlement day.
How much deposit do I really need?
As a rule of thumb, many lenders like to see around 20% of the price to avoid Lenders Mortgage Insurance — but plenty of buyers get in with much less — some lenders and government schemes make deposits as low as 5%, or even 2% in certain cases, possible for eligible buyers. We’ll work out the smallest sensible deposit for your situation and what it means for your repayments.
What is LMI, and can I avoid it?
Lenders Mortgage Insurance is a one-off cost some lenders charge when your deposit is under 20%. It protects the lender, not you. You may be able to avoid it through a government scheme, a family guarantee, or by saving a larger deposit. I’ll show you the trade-offs so you can decide what’s worth it.
Which grants and schemes might I qualify for?
That depends on your income, the property price, where you’re buying and whether it’s a new or existing home. Rules and caps differ by state and change over time, so this is general information only — we’ll check your eligibility against the current rules together before you rely on any of it.
Refinancing
Stop overpaying on the loan you already have
Loans have a way of drifting. The rate that looked great two years ago quietly creeps up, a fixed term ends, or your life changes and the loan no longer fits. A quick review can tell you whether you’re still on a fair deal — and if you’re not, switching could save you a meaningful amount over the years.
People refinance for all sorts of reasons: to chase a sharper rate, to move off an ending fixed term, to consolidate debts into one simpler repayment, or to access equity for a renovation or the next goal. Before recommending a switch, I check the costs — including any break costs or exit fees — so you only move if you’re genuinely better off. Then I do the legwork.
How it works
Review your loan
We check your current rate, features and balance against what’s available across the lenders I work with.
Weigh the switch
I compare the savings against any break costs and fees, so you can see whether moving is actually worth it.
I handle the move
If it stacks up, I manage the application and the switch end to end — you barely lift a finger.
How do I know if it’s worth refinancing?
If your rate has crept up, your fixed term is ending, or you haven’t reviewed the loan in a couple of years, it’s worth a look. The savings need to outweigh any costs of switching — that’s exactly what I check for you, in plain numbers, before you decide anything.
What are break costs, and will I pay them?
Break costs can apply if you exit a fixed-rate loan early, and some loans have discharge or exit fees. They vary by lender and loan type. I’ll find out what applies to your specific loan and factor it into the comparison, so there are no nasty surprises.
Is refinancing a hassle?
It’s far less work than most people expect, because I do the heavy lifting — comparing options, preparing the application, and coordinating with the old and new lenders. Your main jobs are supplying a few documents and signing at the end.
Property investment
Grow a property portfolio the smart way
Good investing starts with good structure. How you borrow — and how you set the loan up — affects your cash flow, your flexibility, and how easily you can buy the next one. I help you get that right from the start, so your first investment doesn’t quietly block your second.
We’ll look at how to use the equity in a home you already own, whether interest-only or principal-and-interest suits your plan, and how the numbers stack up month to month. Everyone’s tax position is different, so for anything tax-specific I’ll always suggest you speak with your accountant or financial adviser — then we build the loan around the strategy you land on.
How it works
Map your position
We review your equity, income and goals to see what you can borrow and how the numbers work.
Set the structure
We choose a loan setup — interest-only or P&I, offset, and how loans are split — that fits your cash flow and plans.
Buy and build
I arrange the loan and keep it review-ready, so you’re set up to add the next property when the time is right.
Can I use the equity in my home to invest?
Often, yes. If your home has grown in value or you’ve paid down the loan, you may be able to access some of that equity as a deposit for an investment — without touching your own cash savings. We’ll work out how much is realistically available and what it does to your repayments.
Interest-only or principal-and-interest?
Interest-only can keep monthly costs lower for a set period, which some investors use to help cash flow; principal-and-interest pays the loan down over time. Each has pros and cons, and the right choice depends on your strategy and tax position. It’s worth talking it through with me and your accountant before deciding.
Will one investment loan stop me buying again?
It can, if it’s structured poorly. Cross-securing properties or maxing out borrowing capacity early can make the next purchase harder. I set loans up with your longer-term plan in mind, so each property supports the next rather than boxing you in.
Ready when you are
Let’s find out what’s possible.
A free 30-minute chat, zero pressure. Worst case, you walk away knowing exactly where you stand.