Specialist lending
Self-employed income, trusts and companies, SMSF, commercial property and development — these are our everyday files, not our exceptions. Structure matters as much as rate, and we work alongside your accountant to get both right.
What we arrange
Every one of these starts the same way: understanding what you're trying to achieve, then finding the lender whose policy genuinely fits.
Plenty of strong borrowers can't show income the way a bank's checklist expects. Alt doc lenders accept BAS statements, business bank statements or an accountant's declaration instead of full financials — so a growing business isn't penalised for being young or for how its accounts are structured.
Often suits
Borrowing through a company or trust changes how lenders assess income, security and guarantees — and many simply don't do it well. We work with lenders who understand these structures, and with your accountant, so the finance matches the entity you've set up rather than fighting it.
Often suits
SMSF loans use a limited recourse borrowing arrangement with its own rules about bare trusts, deposits and what can be done with the property. Fewer lenders offer them, and policy varies widely. We handle the lending side and coordinate with your accountant and adviser on the fund side.
Often suits
Commercial lending is assessed on the property, the lease and the borrower together. Loan-to-value ratios, terms and pricing differ sharply from residential. We package the deal the way commercial credit teams want to see it, and compare banks with specialist and private lenders.
Often suits
This is where two decades of hands-on property development counts. We understand feasibilities, presale requirements, construction drawdowns and residual stock, and we match projects to lenders whose appetite fits — from standard construction loans through to site acquisition and development facilities.
Often suits
How a loan is set up can matter as much as its rate. Split loans, offsets, and debt recycling strategies can help convert non-deductible home debt into investment debt over time. We structure the lending; your accountant confirms the tax position. Together, the aim is finance that keeps working for you.
Often suits
Many lenders offer eligible professionals up to 90% or higher lending with Lenders Mortgage Insurance waived, and sometimes sharper pricing. Eligibility depends on your profession, registration and income — we'll check which lenders' lists you're on and which gives you the best result.
Often suits
Businesses often need funds before revenue arrives — for stock, payroll, a large contract or tax. Cashflow lending, overdrafts and secured or unsecured business loans can bridge that gap. We look at what the funding is for, then find the facility and lender that suit how your business actually trades.
Often suits
From utes and cars to plant, machinery and fit-outs, asset finance lets you use the equipment while you pay for it. Chattel mortgages, leases and hire purchase each have different tax and cash-flow effects — we'll explain the options and compare lenders on rate, fees and flexibility.
Often suits
Whether it's consolidating debts into one repayment, funding a renovation or covering a major expense, we compare personal loan options across lenders rather than taking the first offer from your bank — and we'll tell you if a home loan restructure would do the job more cheaply.
Often suits
Good to know
What people ask when their situation doesn't fit the standard mould.
A broker who regularly handles lending that falls outside a standard bank checklist — self-employed income, trust and company borrowers, SMSF, commercial and development finance. The difference is knowing which lenders will actually say yes, and how to present the file so they do.
Not always. Many alt doc, trust and professional-package loans are priced close to standard lending. Where a lender does charge more, we'll show you the trade-off and, where it makes sense, a plan to refinance to sharper pricing once your situation qualifies.
Yes, and we encourage it. Structure decisions — trusts, SMSF, debt recycling, how investment and home debt are split — have tax consequences. We handle the lending; your accountant advises on tax, and we work together so the structure suits both today and the long term.
Often, yes. Banks assess against their own policy only. We compare majors, regionals, non-banks and specialist lenders, and a decline from one says little about the rest of the market.
Take the first step
Tell us what you're trying to do. We'll map the structure, the lenders who'll consider it, and what it's likely to cost — usually at no cost to you.
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