Residential lending solutions

Most of the time, nothing. We get paid by the lender, not you. In fact, with nearly every refinance, we’ll be able to save you money. The lenders opt to pay us for essentially doing the work for them and bringing them clients. This way, the lender does not have to pay their own bankers, and the ongoing management of clients remains with us. Although the lenders pay us, we are not incentivised to use any particular lender. We are legally required to do what is best for you. The Best Interest Duty, which all brokers must abide by, requires us to act in the best interests of our clients and prioritise your interests when providing credit assistance. In rare circumstances we may need to charge an up-front fee (overly complex applications). We will be completely up front if there is a fee applicable and how much it will be.

Ready to go? There’s plenty of ways to kick things off. Book a quick 15-minute discovery call via the booking link or send us a message via the contact page. We usually get back to you the same day.

Yes. If you’re buying or selling a property, you will need one. Please let us know and we’ll be happy to recommend a professional who will work with you. We have aligned ourselves with many likeminded businesses and individuals who can provide complimentary services along your finance journey. Visit our partnered services page to find out the options available and please reach out if you’d like an introduction.  

Stamp duty is a tax on a property transaction that is charged by each state and territory. The amount of stamp duty payable will depend on various factors including the value of the property, whether it is your primary residence, your residency status and whether you are a first home buyer.   

Lenders Mortgage Insurance (LMI) is a type of insurance that protects lenders from financial loss if a borrower defaults on their home loan and the sale of the property does not cover the outstanding loan balance. It is typically required by lenders when a borrower has a smaller deposit, usually less than 20% of the property’s purchase price. There are options available for certain employment types to borrow more than 80% LVR without the requirement to pay LMI. First home buyers may also be eligible to waive LMI. Get in touch to see if you qualify.

First Home Buyers may be eligible for stamp duty rebates, government grants, or one of the government guarantee schemes. Please contact us to find out if you’re eligible.

No. Although we’d love to meet you, it’s not always a necessity. If you prefer to interact via phone, email or virtually (teams or zoom) we are more than happy with that. Otherwise, if you prefer meeting in person, we’re happy to travel to your home or business premises, or you can visit our office in Fremantle. It is best to either call or email first or book a time through the booking link.  

We will only collect the information that we need. The information will be sensitive and personal, so we collect all documentation via a secure portal. We do not want any physical documents, so please only send us soft/electronic copies. We use Illion Bank statements to securely collect your bank statements (if required) and our CRM will securely store all of your information.   

Approval can take from a few days to a few weeks, depending on the complexity of the application. We will always be up front around expected approval times and communicate with you throughout the process.

A pre-approval provides you with a pre-approved loan limit (assuming all approval conditions are met prior to settlement), making it easier to shop for a home within your budget. Pre-approvals are very important when placing an offer on a property or negotiating with real estate agents in a competitive market. It provides the sellers with certainty that your offer is legitimate and worth serious consideration.