The right lending solution,
structured properly.
Residential, commercial, construction and private lending
compared across banks, non-banks and specialist lenders —
with advice on structure, not just rate.
01 · Residential
Residential lending
solutions
Your first home, your next home or your
next investment — we compare lenders and
structure the lending around your plans.
Buying a home
Upsizing, downsizing or moving — from
pre-approval through to settlement.
First home buyers
Government schemes, deposit options and
a clear plan from the first conversation.
Refinancing
A sharper rate, lower fees, cash for
renovations or a structure that suits your
life now.
Investment property
Structured for cash flow, tax and the next
purchase in your portfolio.
02 · Commercial
Commercial
lending solutions
Funding for property, growth and
equipment — structured to protect your
cash flow.
Commercial property
Buy or refinance offices, retail, warehouses
and mixed-use property.
Business lending
Working capital, expansion and acquisition
finance for established businesses.
Equipment and vehicle finance
Vehicles, fit-outs and machinery, with terms
matched to the asset.
SMSF property lending
Borrowing through your self-managed
super fund to buy residential or commercial
property.
03 · Construction and development
Construction and
development
From building your own home to funding a
multi-unit project, with progress payments
matched to each stage.
Construction lending
Progress-payment lending for building a
new home or a major renovation.
Knock-down rebuild
Finance to demolish and rebuild, including
the costs of living elsewhere during the
build.
Development finance
Duplexes, townhouses and multi-unit
projects, from site acquisition to
completion.
Residual stock lending
Release equity from completed, unsold
units while you sell at the right price.
04 · Private credit and bridging
Private credit and
bridging
Flexible short-term finance for when timing
matters, or your situation doesn't fit a
standard bank policy.
Bridging finance
Buy your next property before you sell, with a clear exit plan agreed upfront.
Private lending
Fast, asset-backed funding for time-
sensitive purchases and opportunities.
Non-bank lending
Options for self-employed borrowers,
complex income or past credit issues.
Caveat and second mortgages
Short-term funding secured against
property you already own.
Lending solutions for
healthcare professionals
Many lenders offer special terms to eligible doctors, dentists
and specialists. With a PhD in healthcare, Thomas
understands how your career and income work — from
training contracts to private practice — and can make the
case to lenders.
LMI waivers
Borrow up to 90% of the property
value without lenders mortgage
insurance.*
Practice finance
Buy into a practice, set up your
own, or buy out a partner.
Clinic property
Purchase or refinance consulting
rooms and clinics.
Fit-out and equipment
Finance for fit-outs, imaging and
clinical equipment.
*Eligible professionals with selected lenders. Lending criteria apply.
In most cases, no. Lenders pay us a commission when your loan settles. If a fee
applies to your situation, we'll tell you upfront and in writing before you go ahead.Loan pre-approval times vary depending on the lender and how complete your application is. Major banks: usually 1 to 5 business days. Complex applications (self-employed, multiple income sources, missing documents): 1 to 2 weeks or longer.
Yes, we can help self-employed applications. Some of lenders offer alternative documentation options.
Private credit can make sense when a traditional bank loan isn't available or doesn't fit your situation.
Common situations where people or businesses use private credit:
-
You're self-employed and don't meet a bank's documentation requirements, even though you have the income to service the loan.
-
You need funding quickly, as private lenders can sometimes make decisions faster than banks.
-
Your income is irregular, such as from contracting, seasonal work, or commission-based earnings.
-
You have a unique property or business situation that falls outside a bank's lending policies.
-
You have temporary credit issues and need short-term financing while improving your financial position.
-
No. we are providing services Australia wide and also for eligible overseas’ applicants.
Questions
Common questions
Ready to talk about
your lending solution?
Book a free, no-obligation consultation — at our Cremorne office, by
phone or on a video call.