FAQ
🏡 First Home Buyers
You typically need at least 5–20%. We can also explore options with Lenders Mortgage Insurance (LMI) or guarantors.
Yes, if you’re eligible. We’ll help you check your eligibility and handle the application.
Pre-approval is conditional and gives you a borrowing estimate. Full approval confirms your lender’s final commitment.
🔁 Refinancing
If your financial status has changed, your rate is high, or you need equity or better features — it’s time to review.
There can be exit fees, valuation costs, or lender fees — but we always weigh these against your savings to ensure it’s worthwhile.
Minimal impact if managed correctly. We’ll ensure your application is presented professionally to maintain your credit standing.
🏘️ Investment Loans
Yes. Releasing equity from an existing property is a common way to fund future investments.
It depends on your goals. Interest-only can help with cash flow and tax, but we’ll guide you based on your strategy.
There’s no set limit, but borrowing capacity, loan structure, and lender policies will influence your ability to scale.
💰 Home Equity Access
Anything — renovations, investment property, education, or large expenses. We help structure it efficiently.
Typically up to 80% of your property’s value minus your loan balance — depending on lender policy.
Not always. Some lenders allow top-ups, while others may require a refinance. We’ll explore both.
🏢 Commercial Loans
Offices, warehouses, retail shops, medical suites, and more — either owner-occupied or for investment.
Yes. We’ll help structure your loan correctly and ensure lender requirements are met.
Generally 20–30%, though it can vary depending on the lender and loan purpose.
🏦 SMSF Home Loans
No. SMSF properties must be for investment purposes only — no personal or family use is allowed.
A bare trust holds the property on behalf of the SMSF for compliance reasons. We help set this up with your legal team.
Only minor (non-structural) renovations are permitted while the property is under finance.
Still have questions? Feel free to ask us!
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We’d love to hear from you! Whether you have questions, need assistance, or want to learn more about our services, feel free to reach out to us anytime.
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