What finance can we help you with today?
We are honest and realistic with our clients. We’re clear and upfront about your options, and then we’re tenacious in delivering on the commitments we make.
Lenders we work with
Implementing finance strategies that will
suit you best
Investing in the right team and the best systems has streamlined our business. It allows us to devote time to having the right conversations with our clients so we ensure great communication and fast efficient turnarounds.
Every action we take is founded in our clients’ best interests.
Who we work with
Making finance simpler and stress-free
“Honest, savvy and thoughtful finance advice” is how one of our clients described what we provided for them, we’d love to do the same for you.
Understanding what will suit you best
Each client’s situation is unique. This is why we take a take a tailored approach when it comes to crafting finance solutions. Our team is dedicated to understanding your specific finance needs and goals, whether it’s securing personal finance, financing a home purchase, or funding the growth of a business.
We create customised finance strategies that align with your unique circumstances and cover everything from securing the best interest rates and loan terms to achieving long-term finance goals.
We’ve got the answers
We provide real choice. We have access to a wide range of lenders, including banks, credit unions, and other financial institutions. This means we can help you find a loan that meets your specific needs.
We are experienced professionals who can provide expert advice and guidance throughout the home loan process. We’ll help you understand your options, answer your questions, and provide support and guidance every step of the way.
The various lenders pay us a fully disclosed commission which is very much the same across lenders so it does not influence who we recommend in any way. It also does not mean that the rate you pay is higher. In fact, in most cases we are able to negotiate a better rate than the bank would offer direct whilst ensuring your loan is structured in your best interests rather than the bank’s. Most importantly, we will always start with a strategy. It’s a winning proposition for our clients!
As we are paid by the lender, in most instances we don’t charge a fee to you for our services and expertise. An exception may be where, by the nature of your needs (low loan amount, highly complex application etc), the bank won’t cover our costs in assisting you. Any possible charges are set out in our credit guide and quote which we’ll send you upon your initial enquiry. In the rare instance where a fee may apply, we will always be upfront and clear about this and you’ll never be asked to proceed without us clearly seeking your agreement before you’re committed.
- Show that you are financially disciplined by demonstrating regular savings. It helps you build your deposit, and shows the bank that you’ll be able to meet your mortgage repayments.
- Ensure that you pay all your bills and debts on time to maintain a healthy credit score.
- Consistent employment in the same or similar role over time gives lenders comfort that your income is stable and you’re likely to remain employed.
We understand that life happens, there are lenders who will accommodate borrowers whose circumstances might not be ideal and we have access to most of them.
Being self-employed, the information lenders will need to see is a bit more complex. They will want to see financials and tax returns that evidence stable business income over a period of time.
Having an accounting background, helping self-employed borrowers is our founder, Tanya’s, super power. She’s able to unpack your financials and with her knowledge of policy, maximise the income you can use to support your application.
Different lenders have different processes and have also made differing investments in technology which impacts on how efficient they are and how quickly they are able to assess an application.
We ensure that we match you to a bank where you fit within their policies to minimise backwards and forwards, and wherever possible, we’ll work with lenders who both offer a great deal and are quick and reliable.
If your circumstances mean that we need to use a lender who is a little slower to get you the best long-term outcome, we’ll be sure to communicate clearly with everyone involved to help manage your application safely to settlement.