Firstly, we believe it is a privilege to assist you with your home loan, a privilege we do not take lightly. We take the time to understand your individual needs, explain the many options, recommend the solution to purchase your home and importantly educate you on how to pay your home off sooner.

Lenders will require a minimum of 5% deposit, and this will generally need to be evidenced through bank statements for a minimum of 3 months. You will also need to have funds to cover the associated purchase costs (legal fees, stamp duty, etc.). Please refer to our calculators or give us a call for more information. 

Your credit score is vitally important. All lenders will obtain a credit report to assess your creditworthiness. Most lenders will require your last 3 months transactional bank statements to ensure the conduct is satisfactory. Try to avoid payments options such as Afterpay, Zip Pay, and Payday lenders, as these will all show on your credit report and may affect your ability to borrow.

Let’s prepare together. We will guide you through what needs to be done prior to submitting an application, such as having your accounts in order, a savings plan established and prepare for a pre-approval. 

Do not fear, all is not lost. Our lending panel has lenders that will consider applicants with adverse credit. We have access to a wide range of non-conforming lenders, most which have more flexibility than traditional lenders. 

The short answer is Yes!  We understand that life has it’s up and downs. People find themselves in a position of financial stress due to many reasons. We take the time to listen and understand, so we can work around your issues ,and assist in getting you back on track with a smile on your face again. 

Together! We discuss strategies that compliment your lifestyle and financial direction without adding undue stress. We look at your short and long term goals and work together to ensure you achieve the financial outcome you desire.