Your borrowing capacity depends on factors such as your income, existing debts, living expenses, deposit or available equity, and the lender’s assessment criteria. We can help you understand your borrowing position before you start looking.

Not necessarily. Depending on your circumstances and the lender, you may be able to purchase with a smaller deposit. Options such as LMI or using existing property equity may help.

Potentially. If your property has sufficient usable equity, it may be possible to use it towards an investment property, renovation, granny flat or other investment strategy.

Refinancing may be worth considering if your current rate, loan structure or features no longer suit your circumstances. We can compare available options and help you assess the costs and potential benefits.

Depending on lender requirements and your financial position, equity may potentially be used for renovations, a granny flat, investment property, business purposes or other significant purchases.

Potentially. We can help you explore whether your existing equity and borrowing capacity could support the construction costs and how the proposed rental income may factor into the overall application.

There are different financial, tax and investment considerations for each. A new property may have different depreciation and maintenance characteristics, while established properties may offer different opportunities. We can help you understand the finance implications and work alongside your accountant or financial adviser.

Yes. We can explore asset finance options for cars, commercial vehicles, equipment and other eligible business assets.

Potentially. There are specific tax and FBT rules that may apply to eligible electric vehicles, depending on how the vehicle is acquired and used. We can help with the finance side and recommend speaking with your accountant about the tax treatment.

Potentially. Asset finance can allow a business to acquire vehicles or equipment while preserving working capital for other business expenses and opportunities.

Yes. We can explore commercial property finance for warehouses, offices, workshops and other business premises, including owner-occupied commercial property.

There are circumstances where an SMSF can purchase eligible commercial property and lease it to a related business, subject to superannuation law, investment strategy and lender requirements. Your accountant, financial adviser and/or SMSF specialist should confirm that the proposed arrangement is appropriate.

We can explore finance solutions that may help with working capital, expansion, equipment purchases, debt restructuring and other business requirements.

Yes. We can help explore construction finance for a knockdown rebuild, new home or major renovation, subject to lender requirements.

Many construction loans are structured around progress payments as construction milestones are reached. However, finance structures vary, so we can discuss the options available for your particular project.

SMSF borrowing is subject to strict rules and is generally structured through a Limited Recourse Borrowing Arrangement (LRBA). We can help you explore available lending options while your SMSF advisers confirm the strategy is appropriate.

This can be possible in certain circumstances, particularly where the property is business real property, but strict rules apply. Independent SMSF and tax advice should be obtained before proceeding.

Potentially. Depending on your circumstances, Australian property equity may be used to fund an overseas purchase. The finance, tax, ownership and legal considerations can vary significantly by country.

We can explore Australian lending options and structures that may assist with an overseas purchase, subject to lender policy and your circumstances.

A broker can compare lending options from multiple lenders and help you understand the differences in rates, features, fees and loan structures. We handle much of the application process and liaise with the lender through to settlement.