Owner-occupier, investment, refinance, self-employed, non-PR, commercial — every loan type broken into conditions, timelines and the gotchas, before you even talk to a broker.
The shortcuts — from first-home schemes to refinance.
The borrower types where plain information actually changes the loan outcome.
PR / citizens buying their first property — stacking FHOG grants, stamp duty concessions and the federal 5% deposit scheme. We'll walk through the maximum you can actually combine.
NOAs, Low Doc, non-standard income, 485 / 482 / student-visa buyers — the "banks-are-reluctant-but-it-is-doable" scenarios. This is our wheelhouse.
188 business visas, asset finance, commercial property purchase + fit-out, SMSF lending — the complex structures other sites avoid.
Four common calculators — two minutes, no personal info collected.
Loan amount + rate + term — see weekly / monthly repayments plus total interest.
Open →Household income + expenses → estimate maximum borrowing using a standard servicing model.
Open →NSW / VIC / QLD / WA etc., with first-home concessions applied automatically.
Open →FIRB + foreign surcharge + vacancy tax — the hidden costs added up in one place.
Open →Real cases — the reasoning step by step, from first enquiry to settlement.
Six months into PR, three banks said no. Stacking Home Guarantee Scheme + FHOG + stamp duty concession got pre-approval within a week.
Previously split across three lenders — servicing was tight. Consolidated the portfolio to a single lender, unlocking $180k of equity and $700/month cash-flow.
Latest lending policy moves, rate trends, tips for Australian borrowers.
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