Home loans for every mission, from DHOAS to your next investment
From first homes to investment portfolios, construction sites to company vehicles. Whatever you're working toward, we'll map the route and walk it with you, comparing options across a panel of 75 lenders.
Our specialty
DHOAS & Veteran Home Loans
The Defence Home Ownership Assistance Scheme (DHOAS) helps current and former ADF members into a home of their own, and we know it from the inside because we've used it ourselves. Military pay structures, DVA benefits, ComSuper statements: we speak the language, so proving your income doesn't turn into a battle. If you've served, or you're still serving, let's make sure your entitlements are working for you. Read more about DHOAS and veteran home loans. Being posted mid-purchase changes the timing, not the outcome, and we plan around it.
Your first home should be exciting, not overwhelming. We guide you through every step in plain English and help you explore government support like the First Home Owner Grant, stamp duty concessions and the 5% Deposit Scheme, all laid out on our first home buyers page. Already have a loan? We'll review it and search for the best deal available to you, starting with a free mortgage health check. Paid on a roster? See how lenders read shift, overtime and allowance income.
Buying an established investment property or building from the ground up, we structure the lending to match the plan. We simplify the complex parts, from pre-approval through every progress payment, and make sure the loan supports your longer-term goals, whether it's your first property or the next one in the portfolio. Test an investment's cashflow with our negative gearing calculator, or read up on how progress payments work.
Credit cards, personal loans, tax debt: juggling them all is exhausting. We help you roll multiple debts into one easier-to-manage repayment so your budget gets room to breathe. Owe the ATO? The general interest charge compounds daily and is no longer tax deductible, so we look at whether the debt can be refinanced into property-secured lending, with the lender paying the ATO at settlement. Read our guide to tax debt loans and ATO debt refinancing. Done well, consolidation can also put you in a stronger position for a home loan down the track.
From offices, retail and industrial property to the vehicles, trucks and equipment that keep a business moving. With access to a wide panel of lenders, we help you secure funding that backs your business plans, structured around your cash flow.
The rules changed on 10 August 2026. A self managed super fund can now only take out a new loan to buy business real property: premises used wholly and exclusively in a business, such as the office, warehouse, shop or industrial unit your own business trades from, or one leased to another business. Residential property can no longer be financed with a new SMSF loan. Loans set up before that date, refinances of them, and contracts exchanged before then are unaffected, as the ATO explains. We arrange commercial SMSF lending with lenders who understand the limited recourse structure, working alongside your accountant and financial planner. We don't provide financial, legal or tax advice, and can connect you with trusted professionals if you don't have them yet.
Car, boat, caravan or a well-earned holiday, we find finance to fit your lifestyle and budget. For car and personal loans you can get an instant quote online through our finance partner, any time that suits you.
You will be taken to our finance partner's secure portal.
Spanish Speaking Mortgage Broker, Se Habla Español
Navigating a mortgage is easier in the language you think in. We guide clients in both English and Spanish, from the first chat through to settlement. More on our Spanish speaking mortgage broker page.
Entender las hipotecas puede ser complicado, pero estamos aquí para ayudarle: orientación clara en inglés y español para que comprenda cada paso y se sienta seguro con sus decisiones.
No surprises here. Our home loan service costs you nothing, and here's exactly how that works.
Paid by the lender
When your loan settles, the lender pays us a commission. It doesn't come out of your pocket and it doesn't change your loan.
No hidden fees
No upfront charges and no invoices for our home loan service. If a specific service ever carried a fee, you'd know before we start.
Your interests first
We recommend the loan that fits you, not the one that pays the most. That's not just our ethos, it's the law: mortgage brokers owe you a Best Interests Duty.
Ready when you are
Not sure which loan fits?
Tell us where you're headed and we'll map the route together. The first chat is quick, relaxed and obligation-free.
