Residential & Investment Lending

In the market for a property?

With access to a panel of over 30 lenders, our clients benefit from our ability to provide not only low rates, but to transact quickly at a time when application processing is becoming increasingly difficult. 

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 from our first discussion to settlement and beyond.

What loan term do you need?

Short-term, medium or long?

Are you buying a home to live in or rent out? 

Are you looking for extra loan facilities? 

What is a mortgage?

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 repayments, but may be more or less frequent.

home keys

How does a home loan work?

A home loan is secured against your property. If you were not able to keep making loan repayments, the lender may ultimately require you to sell the property to settle the debt. 


The total amount you pay on a home loan consists of three components: 


  • Principal (the amount borrowed)

  • Interest charges (calculated on the outstanding loan balance)

  • Fees and charges (such as account keeping fees)

Home loan interest rates can vary significantly between home loan providers. Due to mortgages being very long-term loans, even small differences in interest rates can make a big difference to the total amount you need to repay. That's why it’s important to use a mortgage broker to negotiate the best interest rate for you. 

What do first home buyers need to know?

As a first homeowner there is much to consider and plenty to research.


Firstly, you need to work out how much you can borrow and how much you can afford to repay. A key to this step is to have an accurate and detailed budget that takes into account all expenses associated with purchasing a property. This will include stamp duty, council rates, moving costs, conveyancing and other fees.


Many first homeowners forget to budget for added extras that come with home ownership. Electricity, water, other utilities and insurances all add up. Money for maintenance and even simple things, like stocking up the fridge and pantry for the first time, are hidden costs that catch many new homeowners out. We can help you identify these extra costs.​​ 

What is an investment loan?

An investment loan is a mortgage solution for those who want to buy a property and rent it out to receive income.

Investment loans often require a higher loan-to-valuation ratio (LVR), meaning investors need to raise a larger deposit before applying for a loan.


Investment property loans also have a slightly higher interest rate than residential home loans on average.

Expenses associated with maintaining your investment property, such as loan interest changes, account keeping fees and building maintenance, can usually be claimed as tax deductions to reduce your taxable rental income and/or capital gains tax. We can help you identify your range of tax deductions.

More Choice = Bigger Savings

We have access to a panel of more than 30 lenders.

Use our calculators to explore your borrowing power or enquire online to talk with a mortgage specialist.

Let's Talk

Call (02) 8313 8400 to talk with a loan specialist or email us at