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RESIDENTIAL PROPERTY FINANCE

Home loans for
the self-made.

You’ve built your income your way.
Let’s put it to work in property.

Homes, investments and your next move. Finance for self-employed Australians, business owners and people with complex income.

Talk about your home loan Explore your options
A self-employed professional working on her laptop in a light-filled workspace
THE WAY YOU EARN IS DIFFERENT.

Your possibilities
shouldn’t be.

01 Your own home 02 Your next investment 03 Refinance or move

01 / FINANCE THAT FITS YOUR PLANS

One next move.
More ways to get there.

Start with what you want to achieve. We’ll look at the income, structure and lending options that could get you there.

01PRESTIGE HOMES

A home that reflects
what you’ve built.

Buying or refinancing a higher-value home? We help present your full financial position, including business income, assets and existing commitments.

  • Self-employed and business income
  • Income from trusts and companies
  • Larger residential borrowing needs
Discuss your home loan
02RESIDENTIAL INVESTMENT

Your next property.
The bigger picture.

We consider your portfolio, existing debt and how lenders assess your income, so the next purchase fits within your broader lending position.

  • A first or additional investment
  • Existing portfolio and debt review
  • Borrowing through different structures
Discuss your investment
03REFINANCE & BRIDGING

Make your next move.
With a clearer plan.

Review your existing loan, explore an equity release or talk through buying before you sell. We assess the options against your circumstances.

  • Loan pricing and structure reviews
  • Equity release, subject to assessment
  • Bridging between properties
Discuss your next move

02 / WE SEE THE FULL PICTURE

There’s more to
your income
than a payslip.

Your finances may span a business, a company or a trust. Our job is to understand how it fits together and explain it clearly to a lender.

Talk through your circumstances
01

Understand how you earn

We look at your income sources, business position and existing commitments before considering a lending structure.

02

Find a lender that fits

Different lenders assess complex income differently. We compare your circumstances with policies across our panel.

03

Put the application together

We explain the documents needed, present your application and coordinate the lending process through to settlement.

40+

Lenders on our panel.
A wider starting point for your finance.

03 / YOUR NEXT STEP

Start with
a conversation.

You don’t need to have every detail worked out. Tell us where you are now and what you want to do next.

Book a conversation Prefer to call? (02) 5950 6888

A few things worth having in mind

01

Your property plansBuying, investing, refinancing or moving, and any dates you’re working towards.

02

How your income worksYour business, employment and other income sources, including any companies or trusts involved.

03

Your current positionAn outline of your deposit or equity, existing properties and loans.

We’ll explain what else we need once we understand your plans.

Looking for finance for business premises or a commercial investment?

Explore commercial finance
Talk about your home loan