Lending Services

Our role is to guide you smoothly through the borrowing process to ensure that your needs are met and all options considered.

Our focus is on reducing your time and worry, and making sure that you have all the information you need to make strong, informed decisions.

If you're currently researching finance options, chances are you're being bombarded by "best deals." But are you being told everything about hidden costs? Likewise, the product that looks good now may not suit your ongoing and future needs.

That's why we get to understand all of your financial goals and present you with options that suit you here, now and in the future.

Modern House

Residential and Investment Lending

A home loan or mortgage is a loan from a bank or financial institution to be used for buying, building, refinancing, or renovating a home. A home loan typically has a 25-year or 30-year loan term, and is repaid via regular payments, usually monthly but may be more or less frequent.

Whether you’re a first home buyer, refinancing an existing property, or borrowing to invest, our unrivaled level of customer service ensures a smooth and supported journey through this important transaction.


Refinancing means replacing your existing loan with a new one. You can do this by moving your loan to a new lender or updating the terms with your existing lender.


Borrowers typically refinance to get a lower interest rate or more flexible terms.

Refinancing can potentially save you thousands of dollars and cut years off your loan. You can even refinance with the same lender, however, your new loan should come with better rates and terms tailored to your circumstances.

Hallway Arch
Car Dealership

Vehicle Finance

A car loan is a type of finance used for buying a motor vehicle, such as a car, motorbike, or other road vehicle. It's a helpful option when you don’t have enough cash savings to afford the vehicle of your choice or your money is tied up in other investments, and you can afford to make monthly repayments.

New car loans: Available for buying cars that are brand new. Some lenders will allow you to apply a 'new car' loan to a car that is 1, 2, or 3 years old. With a new car loan, the vehicle itself is usually used as security over the loan. The loan interest rate may be affected by the value of the vehicle.

Used car loan: Available for buying cars that are up to 5 or 6 years old and do not qualify for a new car loan. A used car loan is usually secured by the value of the car.

First Home Buyer

We believe that buying your first home shouldn't be intimidating or stressful. But we know it's a big step, especially if you’ve been living with your parents or renting for a long while.


We aim to take the mystery and complexity out of getting a mortgage, and to help you fully understand the costs and benefits. We can also help with first home buyer grant information and other concessions.

Buying a House
office space

Business and Commercial Loans

Business finance can be divided into two broad groups: Debt finance (borrowing money from a lender) and equity finance (receiving money in exchange for part ownership of the business).

When you use debt finance, there are terms and conditions on the loan plus a range of fees and interest rate options. 

The advantages of debt financing include that you maintain full control of your business, while the interest you pay on the loan may be tax deductible.  

Construction Loans

A construction loan applies to new builds as well as major structural changes to an existing property. Generally construction loans are written as a land and construction loan, where the borrower applies for a loan to cover cost of the purchase of land and the construction of the property at the same time.

Bundling the land and construction fees into one loan can reduce the risk for the lender that the finished dwelling could be valued less than the loan size (land and building costs). Depending on how your construction loan is set up, there will be varying conditions that need to be met throughout the construction process.

Building a House
Investment Chart

Self-Managed Superannuation Funds

An SMSF loan is a home loan or a commercial loan (depending on the security) used by a self-managed super fund (SMSF) to buy investment property. The returns on the investment – whether that’s rental income or capital gains – are funnelled back into the super fund, increasing your retirement savings.

Self managed super funds (SMSFs) can borrow money for the purchase of residential or commercial investment property, with the property held in trust for the SMSF until the loan has been repaid.


If you have a self-managed super fund or are considering establishing your own super fund, a properly structured self-managed super fund loan will allow your fund to acquire a real state asset for capital growth and return.

Important - Please Read

The information presented throughout this website is general in nature and does not take into account your personal goals and objectives. This information does not represent financial product advice. You should always seek independent legal and financial advice before making a decision in relation to a financial product.