Services
Borrow with intelligence.
Six service tracks. Each starts with a written Strategy Memo before any application is lodged — and ends with an annual review for as long as the loan exists.
01 · The work
What you can engage us for.
01 · First-home
Pre-approval, without the panic.
Structured pre-approval for owner-occupiers buying their first place — prepared with the lender most likely to settle on time, not the one with the loudest ad.
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02 · Refinance
When loyalty stops being loyal.
Most banks reserve their sharper rates for new customers. We audit your current loan against 25+ lenders and tell you — in writing — whether moving wins you money.
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03 · Investment
Portfolios, properly structured.
Investment lending arranged with cross-collateralisation, ownership structure, and tax outcome considered before the application — not after settlement.
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04 · Self-employed
Income that doesn't fit a payslip.
Two-year financials, add-backs, BAS-only assessments, and lender-by-lender treatment of self-employed income — explained in plain language before you apply.
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05 · Commercial
Business finance, quietly arranged.
Commercial property, working capital, equipment finance — sourced through a small panel of relationship-led lenders and arranged without disrupting operations.
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06 · Annual review
The check your bank won't give you.
For existing clients: a written annual review of every active loan against the current market. No fee, no upsell. Sometimes the verdict is "stay where you are."
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07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.