Everyone deserves to live in a home they can proudly call their own – what’s holding you back? No matter what your situation may be, our portfolio of loans will help you out!
Read through the various residential loan types by accessing our resources below and assess how well you match up to each one. Our team can help you decide on the best option for you. Feel free to reach out to us for more information!



Choosing the right loan is essential to making sure you don’t end up taking on more than you need and, in the end, paying for more than you should. Basic loans are perfect for individuals who are interested in a solution that is relatively low in value, simple, affordable, and with limited features. By opting for the right basic loan, borrowers can leverage interest rates below the standard variable rate. If your requirements fit the following, a basic loan would be ideal for you!

  • Your required loan value is under $250,000. Most special interest rates are served to individuals who qualify for pro pack discounts, however, the right basic loan can get you a rate below the standard variable rate.
  • You’re looking for a simple solution. Many loans can be complicated and comprise often unnecessary features. If your sole objective is a loan that is simple and easy-to-use, basic loans are the right way to go.
  • You do not need many features. If you’re not interested in additional loan features like ATM cards, repayment holidays, and an offset account, basic loans provide a straight-to-the-point solution.

Pro packs are ideal loan options for a diverse group of individuals looking for large loans, in addition to wanting a diverse range of loan features. Pro packs typically include a fixed annual fee that covers the entire loan package and its multiple features. If your requirements match the following, a pro pack may be the ideal solution for you.

  • You intend to borrow a relatively large loan amount. Pro packs are meant for borrowers looking for high-value loans. High value loans typically come at significantly discounted interest rates from the standard variable rate – in some instances, varying from a 0.5% reduction to a 1% reduction for loans over $500,000
  • You’re looking for a complete package. One of the core benefits of pro packs is that they provide a comprehensive portfolio of features at an affordable annual, combined with attractive interest rates. Features include items such as offset accounts.
  • You’re open to the prospect of changing banks. Some borrowers are reluctant to change banks, with the fear of losing out on existing and established conditions – even if a better deal exists elsewhere. However, if you are considering a pro pack, changing banks will need to be an option on the table.

Interest payments, no matter how attractive the package, are very burdensome and add up very fast. In most cases, loan interest rates are significantly higher than what you would find with a standard savings account. An offset account would allow you to hold a portion of your loan in it and be charged interest on only the remaining amount owed – resulting in significant reduction in interest expenses.

To put things into context, if you took out a loan of $750,000 and placed $250,000 in a 100% offset account, you would only be charged interest as if you owed $500,000. Here are a few things to keep in mind when considering the use of a 100% offset account:

  • Deposit your salary into your offset account.
  • Maintain sufficient account balance to make loan repayments.
  • Make your loan payments directly from the 100% offset account.
  • You can redraw your original loan account to an offset account.

Who would benefit from a 100% offset account?

Unlike basic loans and pro packs, 100% offset accounts are not restricted in terms of the amount being borrowed. Additionally, these accounts typically do not include account maintenance or hidden fees, which means that overall costs would not include any additional charges. Key point: 100% offset accounts are most beneficial the more money they have in them.

If the following conditions match up with your situation, you could benefit from leveraging a 100% offset account:

  • Your loan is worth more than $250,000.
  • You live in a dual-income household with high monthly expenses.
  • You can maintain sufficient funds in your account to make loan repayments.
  • The potential interest from your account balance covers the cost of a pro pack’s annual fee.

Who are equity loans meant for?

Did you take out a mortgage on a home that has now appreciated? Is your home’s current value greater than what you owe on the mortgage? This equity has more than just face value – it can be used to create a wide array of reinvestment opportunities.

An equity loan is typically determined by your circumstances – predominantly, the assets you own, your income, the difference between your mortgage owed and your home’s current value. If the following complement your current situation, an equity loan may be the right choice for you!

  • You’ve mortgaged a home that has now appreciated in value. Equity is linked to two factors – the value of your home and the amount you owe on your mortgage. If the value of your home has appreciated in contrast, the greater your equity and your potential line of credit.
  • You are looking to renovate your home. Many individuals who take out equity loans do so because they want to make improvements to their current homes. Equity loans can be taken out in full or segmented stages, which makes them ideal for this purpose.
  • You want to invest in shares and/or other property. The funds received through an equity loan can be funneled into alternative interest-accruing opportunities in the share market or in entirely new properties.

Who are lines of credit meant for?

A line of credit mortgage is something that almost anyone would need at some point in time. With a LOC, borrowers can use it as a method of paying bills, investing in shares, conducting renovations, and withdrawing funds – in the way that you would use a credit card.

LOCs are commonly known as “all-in-one” accounts, given that borrowers wouldn’t need to have a separate bank account entirely – the LOC would serve as the one through which all income and expenses run through. If the following applies to you, a line of credit may be what you’re looking for.

  • Your income fluctuates and is not fixed. Given that borrowers have more control over when LOC payments are made, part-time employees with fluctuating wages can make the most of this flexibility when making repayments.
  • You are good at financial management and budgeting. The considerable freedom offered by lines of credit are both a positive and negative. For borrowers with poor financial management habits, this freedom may result in credit being racked up very fast.
  • You need a financing option that does not have a fixed repayment period. Repayment can be extremely strenuous – especially for borrowers who lack a regular fixed income.

Who are fixed rate loans meant for?

Fixed rate loans provide higher levels of certainty and security than almost every other loan type, given that they guarantee a fixed interest rate for a significant portion of the loan – referred to as the fixed rate period. FR loans typically come with firm conditions that include restrictions on extra repayments, which means payback periods are often quite rigid. Fixed rate loans comprise repayment terms that span from, on average, as little as one year to around five years – three-year terms are the most popular here in Australia.

If you fit the following profile/requirements, a fixed rate loan may be the solution you’re looking for.

  • You earn a fixed income and budget your month accordingly. Fixed rate loans are ideal for individuals who make a fixed income and plan their expenses accordingly. This is because borrowers can allocate their income accordingly.
  • You’re comfortable with sticking to the repayment period. Most fixed rate loans do not allow extra repayments, which means borrowers will not be able to reduce the term length easily. Attempting to do so may result in having to pay the full interest amount and/or a fee.
  • You are looking for financial certainty and security. For borrowers who have a series of other financial obligations, fixed payment plans are most ideal because they provide a greater sense of certainty and security.

Who are low doc loans meant for?

Self-employment and entrepreneurialism are endeavors worthy of recognition. No entrepreneur should be subject to stagnated growth because of limited access to finances. Most traditional loans demand extensive levels of paperwork, specifically income declaration documentation, that most entrepreneurs and self-employed individuals simply do not have. Low doc loans, or low documentation loans, give entrepreneurs the option of going around this by relying on self-verification of income.

Applicants do not have to have to provide any proof of income – lenders would instead conduct extensive credit assessments that confirm whether the applicant has the financial bandwidth to afford a loan. The following conditions will help you determine whether you would be eligible for a low doc loan.

  • You’re a small business owner, contractor, and are an ABN holder. Low doc loans are intended to support the operations of small businesses and aspiring entrepreneurs. Many of these establishments lack the documentation required to prove income.
  • You have a certain level of equity or a fixed deposit in place. Despite not having a provable record of income, equity and deposits can significantly improve your eligibility for a low doc loan.
  • You have a good credit history. The one record that lenders would turn to is your credit history. Applicants with a seemingly spotless credit history would be strongly considered versus applicants who have a poor history. This is exacerbated by the lack of income declaration documentation.