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Our Recent Reviews

"Farook Ketan and the team at Finance & Beyond were outstanding. As a self-employed business owner, traditional banks kept asking for endless tax audits. Farook restructured our application using a Low Doc strategy, securing a highly competitive rate for our new warehouse premises. Highly recommend!"

Marcus Davies

Business Owner, Bentleigh East

"Being first home buyers, we were incredibly nervous about the mortgage process. Finance & Beyond walked us through the First Home Guarantee scheme and parental guarantor options. We bought our first family home with a 5% deposit and paid zero Lenders Mortgage Insurance. Absolute game changer!"

Sarah & David Thompson

First Home Buyers, Melbourne

"Arafat Chowdhury was exceptional. He leveraged my professional registration as a medical specialist to secure a 90% LVR investment loan with the LMI completely waived. The process was fast, professional, and private banking quality."

Dr. Catherine Chang

Medical Specialist, Sydney

"We recently refinanced three investment properties with Finance & Beyond. Farook structured stand-alone loans to un-cross our portfolio, unlocking substantial equity for our next acquisition. Their knowledge of policy difference across banks is unmatched."

Jonathan Vance

Property Portfolio Investor, Brisbane

Frequently Asked Questions

What services does Finance & Beyond provide?

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.

How much deposit do I need to buy a home?

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.

What is Lenders Mortgage Insurance (LMI)?

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.

How does a guarantor home loan work?

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.

What is the difference between a Chattel Mortgage and a Lease?

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.