First home buyers, self-employed borrowers, property investors, refinancers and complex income situations. We compare 30+ lenders, including specialists who work with the cases major banks decline.
We specialise in the situations most brokers find difficult,
and that major banks routinely decline.
Get into your first home with as little as 5% deposit. We navigate the First Home Guarantee, state grants, and stamp duty concessions so you don't have to. ✓ 5% deposit ✓ No LMI available ✓ State grants Learn More →
Business owners and sole traders with complex income structures. BAS statements and accountant letters accepted, no two years of tax returns required for many lenders. ✓ Low-doc pathways ✓ BAS accepted ✓ 1 yr trading OK Learn More →
Investment property purchase, refinance, and portfolio lending. Interest-only structures, negative gearing-optimised loans, and SMSF property all available. ✓ Interest only ✓ SMSF available ✓ Portfolio lending Learn More →
Clients saving $200–$600 per month by moving to a better rate. Equity release, debt consolidation, and switching from fixed to variable all handled end-to-end. ✓ Rate review ✓ Equity release ✓ Debt consolidation Learn More →
House & land packages, knockdown & rebuild, and owner-builder finance. Progressive drawdown matched to build milestones, you only pay interest on what's been drawn. ✓ H&L packages ✓ Owner-builder ✓ Progress draws Learn More →
Defaults, Part IX agreements, and discharged bankruptcy. Specialist lenders assess the full picture, not just the credit score. Honest pathway advice given upfront. ✓ Defaults OK ✓ Specialist lenders ✓ Honest advice Learn More →
We model every structure for your situation before making a recommendation. Here’s what each option means in plain English.
Rate moves with the RBA and market. Typically offers offset accounts, redraw facilities, and extra repayments without penalty. Best when rates are expected to fall or when flexibility matters more than certainty.
Rate locked for 1–5 years, providing certainty on repayments regardless of RBA movements. Break costs apply if you exit early. Best when you need budget predictability or expect rates to rise.
A portion fixed, a portion variable. Certainty on part of your repayments while retaining flexibility on the rest. Our most recommended structure in 2026, you get the best of both worlds.
Self-managed superannuation funds can purchase commercial and residential property. Rental income goes into the SMSF tax-effectively. Requires specialist lenders and careful structuring, we work with SMSF specialists.
Brokers access lenders and products the banks’ own branches don’t offer, and under the Best Interests Duty, we are legally required to recommend what’s right for you, not what earns us the most commission.
All the questions Australians have before applying for a loan, answered honestly.
Call Vishal or send a WhatsApp most questions answered within the hour. No scripts, no call centre, no runaround. Ask a question →
Yes, and this is one of our most common scenarios. Most lenders want 2 years of tax returns. Low-doc options exist using BAS statements or accountant declarations if your returns aren’t yet finalised. We identify which lender and structure suits your income history before submitting anything.
Standard is 20% to avoid Lenders Mortgage Insurance (LMI). First Home Guarantee allows eligible first-home buyers to purchase with 5% deposit and no LMI, but places are limited. Some lenders accept 5% with LMI. A family guarantor can also help if deposit is the challenge. Tell us your situation and we’ll map realistic options.
A credit impairment doesn’t disqualify you, specialist lenders assess the full picture. The key variables are the size, age, and payment status of the default. We give honest advice about what’s realistically available before you apply, not wishful thinking.
Conditional pre-approval: 24–72 hours with our specialist lenders. Full approval: 1–3 weeks typically, depending on valuation timing and documentation. We tell you realistic timelines upfront, no false promises.
We model both scenarios for your loan, showing the real cost difference and the flexibility trade-offs. Then the decision is yours. We never pressure a specific outcome. What we can say is that the split loan structure is the most common choice for clients who want some certainty without sacrificing all flexibility.
No. Lenders pay our fee after settlement. Under the Best Interests Duty, a legal requirement, we must recommend what’s right for you, regardless of what earns us the most commission. This is the law, and our practice.
Not just reviews, full stories from people who
came to us when the banks said no.
Knocked back twice by my bank. Vishal found me a lender and had approval in 36 hours. I genuinely didn't think it was possible.
Needed two trucks to take on a new contract. Uniko had both settled in under a week. Couldn't have grown the business without them.
Refinanced my home and sorted equipment finance at the same time. Saved $380 a month and freed up cash for the business growth.
No credit check to enquire. No obligation.
Just a straight conversation about your options
most replies within the hour.
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