Residential Mortgages

We have access to one of the widest range of Home Loans available. We offer the following (but not limited to):

Owner Occupied (including First Home Buyers)

Up to 95% of the purchase price
Up to 30 year terms
Assist in processing FHOG
Family Guarantee Loans
No ongoing loan fees
80% Credit imparied construction loans, full doc (metro only)

Refinance

Consolidation of all debts into one new loan
Subject to valuation, capitalisation of interest

Investors

Capitalisation of interest for up to 10 years (conditions apply)
Lo and no doc loans available
Self Managed Super Fund loans
Refinance lo doc investment properties with no BAS
Jumbo Lo Doc loans up to 60% & $2.5M no BAS
Constuction Full/Lo Doc including company/trusts

Lo Doc & No Doc

We understand self employed and investors
We understand sometimes there are no financials
Up to 60% No Doc with no ABN
Up to 85% with ABN/GST registration of only 6 months

Below are some more examples of how we can help you with (but not limited to) purchasing or re-financing a residential property:

Buy your own home up to 95% plus capitalise Lenders Mortgage Insurance (LMI)
Purchase an investment property up to 95% plus capitalise LMI
Consolidate all of your existing loans into your home loan up to 90% plus capitalise LMI
Purchase Residential or Commercial real estate up to 70% via Self Managed Super Funds
No Doc Commercial or Residential Loans up to $5 million with credit impaired accepted. Higher limits available on request.
Residential Construction Full Doc up to 95% and Lo Doc up to 80%
Bridging Finance up to twelve months with a maximum $2.5 million
Second mortgage funds on established property up to 75% of valuation
Purchase residential properties up to 90% plus LMI with Non Genuine Savings
New Purchase Lo Doc up to 80% with no BAS
Refinance Owner Occupied & Investment Properties on a Lo Doc basis with no BAS up to 85%
Purchase residential properties up to 60% Lo Doc up to $5M with no BAS plus unlimted cash out
Credit impaired full doc construction loans (metropolitan areas only)
No doc Residential & Commercial loans up to 60%
80% Full Doc purchases up to $5M
Refinance tax liabilities
Fund companies & trusts including hybrid trusts
Up to 90% with No LMI for medical professionals

We also offer mortgages to customers who may not fit or fall outside of the criteria of traditional lenders. We can help you unlock the hidden wealth in your equity and assist with loans that are designed to be more flexible than traditional lenders. We can also arrange loans that do not discriminate against customers who are semi or fully retired.

We are able to assist where a traditional lender may not:

If you are self-employed with no tax returns for the past 2 years
If the loan size puts you outside of the traditional lenders' comfort zone
If you need to consolidate your high interest loans into your mortgage
If you wish to purchase multiple investment properties
If you wish to capitalise your payments for up to 10 years
If you wish to purchase a business without any previous business experience
To invest in just about anything worthwhile
If you have had credit defaults
If you are registered in part 9 or part 10 bankruptcy
Take a break from your mortgage for 12 months by capitalising the interest (minimum 30% equity required)

We can assist the following:

Sole Traders
Pty Companies
Public Companies
Trustees of Super Funds
Companies in Liquidation
Ex bankrupts

Click Here For Different Types of Home Loans