Home Loans

We have had some awesome developments in the world of finance recently, so take a quick peek to see if one may suit you


First Home Loan Deposit Scheme – Another 20,000 places released for Construction and Established Homes from 1/7/2021.

There will be 10,000 places for New Builds, and 10,000 places for established homes.  Only selected lenders who participate in the scheme will be eligible for the schemes.

Get into your home loan with 5% Deposit – let the Government pay for your Mortgage Insurance.  Sharp interest rates from 1.89% – please call to see if you qualify – Conditions Apply.  Please note that some construction interest rates may be slightly higher due to the requirements for progress payments.


The Family Guarantee Scheme for single parent families will allow families to enter or re-enter the property market with as little as 2% Deposit.  These places are available from 1/7/2021 and only available through certain lenders.  You’ll need to have sufficient income to cover the loan, so the normal assessment process is taken into account, eg income, debts, dependants and credit file. The good news is that we have lenders who will accept the Single Parent Benefit, Family Tax Benefit, Carers Allowance (restricted lenders) and Child Support plus your wages.  

If you are trying to buy your ex out, this scheme may also assist especially if you have very little in the way of equity in your home. 

FHOG $15,000

First Home Owners, construction loans only.  This payment can be paid in addition to the above payments.  Call us to discuss.  Some lenders will allow you to use towards your deposit, while other lenders need you to receive your grant through your own bank account at slab stage.


This can be tricky, as sometimes the ex is not in a position to refinance the home loan.  Or there may not be enough equity in the home to refinance.  We do have lenders who can assist with reducing these expenses, very limited lenders.  Please call us on 0403 211 361 to discuss.

Are you thinking about buying a home?

There are a few things we need to check to make sure it is smooth sailing for your purchase.  Your income will be just as important as your credit file.  In our business, we do all the hard work for you before applying for a home loan, so we can take care of all the possible speed bumps.

Worried about a default from years ago? 

Please let us know, so we can provide a solution for you.  We do provide Debt Consolidation and it can be a straight forward process when we sit down and look at your past and current financial history.

We’ve had some success with helping clients remove the defaults from their credit file which has been very exciting for the clients, as they can now make plans, create goals and move forward.  This is a case by case situation.  We do have lenders who will accept unpaid defaults, paid defaults, court judgements as well.

Some lenders will allow your default, whether paid or unpaid.  It comes down to your individual situation.

We have a FAQ section that may help answer some of your questions

Have you seen our Mortgage Calculator.
It is a handy tool that our clients love.


Have enough money for the deposit, but it’s a struggle to find the money for the mortgage insurance?  

We may have a solution for you.

You may be buying your own home for the first time, or you may have been out of the property market for some time, or possibly looking to refinance the home loan after a separation or divorce. 

Our qualified brokers will be able to assist you through the process, and will work hand in hand with other professionals.

Limited Deposit

If you are keen to get into the property market, but may not have as much deposit as you need, or you don’t qualify for the Government Schemes we may have a solution for you.

We have a number of lenders who will accept 5% Deposit.  Please have a chat with us to check if this is the right choice for you


Over 50’s Home Loans

We have some commonsense lenders who can help you qualify for a 30 year term.  The interest rates are very reasonable.

While some lenders consider age a problem not all lenders have this approach.

Factors which will affect your loan will be your deposit and your savings, and your superannuation balance. We will discuss your exit strategy with you at the time of our appointment so we have a clear idea about your financial goals.

Home Loans For Kiwis and Other Permanent Residents

We have some great loan solutions for those who are not Citizens.  While the Government Schemes are not available, the FHOG $15,000 is available to you if you are a First Home Owner and intend to build.

You’ll still need to have a deposit for your home loan as little as 5% for your proposed purchase so get in touch with us to see if you qualify for a loan.

Self Employed with Company Debts

This can be a hard situation for those trying to buy their home, but it could be an option for you!  We have some fantastic lenders who will exclude your business debts and help you on your home journey.  Speak with us about your situation and we will see if we can find a solution for you.

Reverse Mortgages

If you are retired, or you are the child of a retired couple, and you’ve noticed your parents might be struggling with their day to day expenses this may be a solution for you.  Many retirees have not had to the benefit of having superannuation, as it wasn’t compulsory in their time. This was a time when people would pay off their home loan as quick as they could (not a bad idea, saved them heaps in interest).  As time goes on the Aged Pension doesn’t seem to keep pace with the cost of living for some people.  There are restrictions on age, and the loan amount, so it is worth discussing with us to see if this is the right solution for you.

Adverse Credit Solutions

Especially after COVID, people may have been affected by job losses which can affect how you pay your debts.  You may have fallen behind on your payments.  This doesn’t need to be the end of your loan journey though.  

Don’t be embarrassed, it happens to the best of us.  Job losses, relationship breakdowns, multiple pregnancies, too much debt can put us in a tough spot. 

Credit policies have extended over time to allow people to experience defaults and late payments – issues which may have caused you to suffer from a decline on your previous loan application.

So if you are looking for a home loan and need to advantage of our 18 years experience, and happy to deal with our optimistic approach to your loan, please get in touch.

The good news is that you don’t need to stay with a higher interest – we project manage your home loan until you are in that sweet spot of paying the lowest interest rate you can!


Income can come from the following sources:

  •  Wages – Casual, Part-time, Fulltime or Contract
  • Self Employed Income
  • Centrelink income – Family Tax Benefit, Carers Pension and Allowance, Pensions
  • Inheritance
  • Rent from Investment Properties
  • Child Support 
  • Spousal Support

There may be other sources of income you receive so please discuss with us

High Quality Home Loan Products & Services


First Time Home Owners

Home ownership is the ultimate Australian dream. Feeling confused? Our brokers will educate you along the way so you understand how the process works.

With over 30 lenders to choose from, our brokers will assess and recommend the best lender/s for your situation.

Whether you wish to buy an established home for space, or if you prefer to build instead, we can assist you throughout the process.

Applying for a Preapproved loan, will usually last for 3 months, and give you the confidence to apply for a loan, or make an offer.

As an Australian Citizen and First Home Owner, you may be entitled to the many Government Schemes available, allowing you to buy with very little deposit.

Guarantor Loans can also be used instead of your deposit – so just ask!

Investing with Self Managed Superannuation – Residential Property

This is a specialty area, and an area we’re very experienced with.

If you’re seeking to invest with your superannuation, you need to be aware of the superannuation balance recommended. We’ll work towards your situation in conjunction with your accountant and/or financial planner.

Investing with your superannuation is a highly compliant and regulatory, and is not for the faint-hearted.

Speak with us about the benefits, and the products which are available to you.

Investment Property Loan

Buying your first investment home can be a part of your wealth creation strategy for the future.

You’ll learn about tax effectiveness, depreciation schedules, addbacks, land tax and gearing.

Choosing the right property in the right area is critical and your choice will affect your capital growth and anticipated rental return.

Making the wrong choice can mean you have a property with little capital growth for the future.

We’re finding many first home owners are choosing to buy their first home as an investment first, so that they can travel the world, and move around with their career as their career progresses.  Commonly known as Rentvestors.

Please discuss available options with us so you can learn about the advantages and disadvantages of the best choices to suit you.

Refinancing Your Current Home Loan

Refinancing your home loan may be something you want to consider if your circumstances have changed – your family has increased, your job may have changed, or you may have car loans and personal loans that are making it difficult for you to apply for a loan.

How much does it cost to change lenders?  Will I be charged any other fees? Will I be any better off financially by making the change?

Understanding the costs are very important, and weighing up the advantages of changing lenders.

Some lenders allow you to refinance up to 90% of the value of your home, which can assist when we’re consolidating your debts.

Questions About Mortgages?
We'll Put You On The Right Path!

With access to over 35 lenders we can help you find your perfect match whatever your situation.