01 / SERVICES
RESIDENTIAL
FINANCE
Buying, upgrading or refinancing the home you live in. Your options compared across a panel of lenders, with the rate and loan structure set up for how you actually live.
HOW IT WORKS
YOUR LENDER MATTERS AS MUCH AS YOUR RATE.
Different lenders assess income, expenses and deposits differently, so borrowing capacity can vary significantly. We compare suitable lenders, rates and loan features, then structure the finance around your needs, whether fixed, variable or split, with offset or redraw options. From there, we manage the application through to settlement.
GOOD TO KNOW
THE RIGHT SCHEME
First home schemes and concessions checked, and combined where they can be.
LOWER DEPOSITS
Schemes, LMI or a family guarantee, depending on eligibility.
PROFESSIONAL LMI WAIVERS
Some lenders waive LMI for medical, legal, accounting and other professionals.
PRE-APPROVAL FIRST
Know your borrowing range before you make an offer.
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FIRST HOME BUYERS
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WHAT WE COVER
FIRST HOME BUYERS
From pre-approval to settlement day, including government schemes.
Selling and buying in the right order.
Upgrading and downsizing
Buying your next home before the current one sells.
Bridging finance
Refinancing
A sharper rate or a better structure, with switching costs weighed first.
SELECT FOR DETAILS
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EQUITY RELEASE
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REFINANCING
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UPGRADING & DOWNSIZING
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FIRST HOME BUYERS
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WHAT WE COVER
THE PROCESS
01
DISCOVERY CALL
Your goals, circumstances and timeframe
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Preliminary review
Position and borrowing options reviewed
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Strategy
Lenders and structure compared
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Application
Prepared and submitted to the chosen lender
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Approval & settlement
Coordinated to settlement
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Ongoing support
Loan reviewed as your needs change
COMMON QUESTIONS
HOW MUCH DEPOSIT DO I NEED?
A 20% deposit is the traditional benchmark for buying a home and generally avoids lenders mortgage insurance (LMI). Many buyers can purchase with 5–10%, and eligible borrowers may have access to government schemes, professional LMI waivers or family guarantees. On a $900,000 property, 5% is $45,000, 10% is $90,000 and 20% is $180,000. Transfer duty, conveyancing and other purchasing costs may be additional. The deposit required also depends on the lender's valuation, not just the contract price.
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WHAT GOVERNMENT ASSISTANCE IS AVAILABLE TO FIRST-HOME BUYERS?
The Australian Government 5% Deposit Scheme allows eligible first-home buyers to purchase with a minimum 5% deposit without lenders mortgage insurance. Eligible single parents and legal guardians may qualify with 2%.
Help to Buy is a separate shared-equity scheme, offering eligible buyers a minimum 2% deposit with a government contribution of up to 30% for an existing home or 40% for a new home, subject to income and property price limits.
In Queensland, eligible first-home buyers can receive a $30,000 grant for a new home valued below $750,000. Transfer-duty concessions may also apply.
Eligibility, property caps and whether assistance can be combined depend on the scheme.
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SHOULD I FIX MY RATE?
A fixed rate provides interest-rate certainty for an agreed period, but may limit extra repayments, offset access or refinancing flexibility. Variable loans generally offer more flexibility. A split loan can combine both, depending on your plans and preference for certainty.
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CAN I BUY BEFORE I SELL?
Often, yes, bridging finance allows eligible borrowers to purchase before selling their existing home. The costs, expected sale proceeds and timeframe need to be considered carefully.
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WHEN DOES REFINANCING ACTUALLY MAKE SENSE?
Refinancing isn't just about getting a lower rate. It can help reduce monthly repayments, access equity, consolidate debts or change loan features. We compare the benefits against switching costs, break fees and the overall cost of the loan. Extending the term may reduce repayments but increase total interest paid.
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HAVE ANOTHER QUESTION? BROWSE THE FAQ
LET'S TALK.
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