What a home loan really costs depends on the deposit, the structure, features like offset and redraw, the choice between fixed and variable, and how the loan fits your next five years. We start with your plans, then find lenders on our panel whose policy fits them. You get a clear explanation of why an option suits you and what it will cost before anything is lodged.
Who it suits
First home buyers, upgraders, downsizers and investors, whether you are buying in Adelaide or anywhere else in Australia.
Common purposes
- Buying your first home, including eligible government schemes
- Upgrading, downsizing or relocating interstate
- Buying a residential investment property
What we work through with you
- Deposit, available equity, stamp duty and purchase costs
- Fixed, variable or split, and features such as offset and redraw
- Borrowing capacity, lender policy and the property you are buying
Documents to have ready
- Photo identification
- Recent payslips, or tax returns and financials if self-employed
- Bank statements and details of existing debts
- Contract of sale, once you have one
How we work
We start with a conversation about what you are trying to achieve and your timing. We then gather the information lenders will ask for and assess suitable options from our approved lender panel and relevant specialist channels. Before anything is lodged, you will know the costs, the trade-offs and why we are recommending an option. After that, we manage the application through to settlement.