Your Trusted Finance & Mortgage Broker

We provide expert mortgage brokerage, business financing, commercial property loans, asset and equipment leasing, guarantor structures, and specialized lending for SMSFs and medical professionals across Australia and New Zealand.

Typically, a 20% deposit is required to avoid Lenders Mortgage Insurance (LMI). However, many lenders offer home loans with deposits as low as 5% or 10%. Additionally, first home buyers and medical professionals may qualify for government guarantee schemes or LMI waivers, enabling purchases with low cash layouts.

LMI is an insurance premium charged by lenders when you borrow more than 80% of a property's value. It protects the lender (not the borrower) in the event of default. The cost of LMI varies based on loan size and LVR, but we structure loans to minimize or waive this cost where possible.

A guarantor loan allows an immediate family member (usually parents) to secure a portion of your home loan using the equity in their own property. This structure enables you to borrow up to 100% of the purchase price plus costs, without paying LMI, while requiring a smaller personal savings pool.

Under a Chattel Mortgage, you own the asset immediately at purchase, and the bank registers a mortgage over it. This allows you to claim depreciation, interest, and upfront GST inputs. In a lease, the financier owns the asset and rents it to you, with payments treated as operating expenses.

Yes. We offer Low Doc (Low Documentation) lending options where income is verified using alternative documentation, such as 6 to 12 months of business bank statements, BAS filings, or an Accountant's Declaration.