Home loans
Home loan support for first home buyers, refinancers and property investors across Warrnambool, South West Victoria and Australia-wide.
Independent advice and support from start to settlement.
Who we help
First home buyers
Guidance for borrowing capacity, deposits, lender options, government schemes and the steps involved in buying your first home.
Buying your next home
Support for your next move. Including buying and selling, with loan solutions to manage timing — such as bridging finance.
Refinancing
Review your existing loan to ensure it still suits your needs and identify opportunities to improve value for you, including interest rates and product features.
Releasing equity
If you have equity in your property, you may be able to access funds for renovations, personal goods (vehicles, holidays, etc.), or investment. We can help you understand what's possible and structure it appropriately.
Debt consolidation
In some circumstances, combining debts into a home loan can simplify repayments and release pressure on cashflow, giving breathing room to get back on track.
Property investors
Compare lenders, products and loan structures designed to support your property investment goals and build wealth.
How we work
Understand your situation
We take the time to understand your needs, financial position, and what features you want from a loan.
Compare lenders and options
We assess a wide range of lenders and loan products, explaining your options clearly and advising you with your best interests front and centre.
Manage the process end to end
From start to approval and settlement, we manage the process, the paperwork and liaise with the lender on your behalf. Keeping the process simple and ensuring you have someone in your corner.
Home loan FAQs
How much can I borrow?
Borrowing capacity depends on your personal circumstances, income, expenses, existing debts, and the lender’s assessment criteria. We can help you estimate this and understand your next steps.
What deposit do I need?
Deposit requirements are often 20%, but can vary by lender and loan type. In some circumstances, you may be able to buy with a smaller deposit. We can explain your options and help you understand what’s realistic for your situation.
How long does approval take?
Timeframes vary by lender and the complexity of your application. We’ll outline the expected steps and timeframes, then manage the process through to settlement for you. Getting in touch sooner will always be beneficial.
Do you help with pre-approvals?
Yes. We can help you understand your borrowing capacity, compare lenders, and organise a pre-approval so you can buy with confidence - especially if you are considering buying at auction!
Need help with a home loan?
Book an appointment and we’ll talk through your situation and outline the next steps.