About Us

As specialists in all areas of Finance one of our team members can help you individually to provide you with the 100% Financial Solution for your specific needs.

With access to Finance Professionals Australia wide – Mortgage Brokers, Property Investment Specialists, Financial Advisors, Insurance experts and accountants.

We also work extensively with businesses, schools, hospitals, IT Companies, Services, Defence, Government etc. Running employee 100% Financial Solution workshops, because a happy and financial employee is a more productive employee.

These 40 min FREE workshops are run daily only in the Canberra region currently but planning is in place to run them Australia wide.

Who We Are

We help people to make their dreams come true. Whether that is a:

New home
Investment property
Financial Plans
Demolish Debt Plans
Block of land
Building your own home (construction loans)
Owning or creating a business
New car
Tools for work
Commercial premises to rent out or for your own business so you no longer need to pay rent
Consolidation loan
Refinance
Renovations or extensions.
Investment loan for a self-managed super fund

Why you should choose us :

You are an individual with your own wants, needs and goals and we have a dedicated team of professionals Australia wide to provide you with a 100% financial solution to achieve your own desired outcomes.

Our proven process starts with a simple discussion with our client co-ordinator to see what you are wanting to achieve, providing you the professional/s you need to have success and get your money working hard for you instead of you working hard for money.

First Home Buyer lowest Rates :

It is often advised to steer clear of “honeymoon rates” These rates are used by lenders to draw in borrowers because a honeymoon interest rate or introductory rate is often much lower than the lender’s other home loan products. However, this low rate only lasts for a certain amount of time.

The advantage of this type of rate is that it gives you a chance to ease into the repayments and learn how your mortgage works. However, while you may initially save money on repayments, when the honeymoon period ends, you could get stuck with a rate that is not as competitive in the market. Also, some lenders could charge early termination fees, so if you do wish to change lenders; it will cost you a lot more.

Our suggestion would be to ensure you do your research or let us do it for you. We have access to over 30 lenders and can ensure we get you the best rate for your particular circumstance.

Property Investment Funding :

We can help you in several ways. Firstly by finding out how much you can borrow for an investment property and let you know how much you can borrow by using our calculators to determine how much equity you have in your home and sourcing the most appropriate range of lenders available to you for your next purchase.

We can source the some of the most competitive loans in the marketplace. As we have over thirty lenders on our panel to compare. All lenders have different conditions or policies on their loans and we can filter them for you to find the most suitable.

Best structure for re-financing :

Making sure that you have the best structure for your loan is very important, why? Because if the loan securities are “cross-collateralised” you may be giving too much power to your bank and it can leave you unnecessarily restricted and mean you may not be able to do what you want to when you want to do it.
If you have more than one property it is important that you know which properties are being used for each loan in your portfolio, this is where expert advice can ensure you have the best structure and that you are not bound unnecessarily to your bank.
There are a number of reasons for not cross-collateralising your properties and these are:

The bank may insist on re-valuing your entire portfolio after you have sold a property or, if the equity in a property has grown in value and you wish to use if for another loan.
You will be restricted to the products that your bank uses for cross-collaterallised loans and therefore not be able to “shop around” for a better interest rate.
You may not be able to access your funds when you sell a property because the bank decides the funds need to go against the other loans you have in your portfolio.
The bank holds all your security even if it only needs enough to cover a particular loan or two.
It is harder to re-value your properties if they are all linked. For example if you have properties in different states and one state has a hike in property valuations, you may not be able to benefit from it, because you have all properties linked with the one bank.
Your bank may have stricter lending criteria than others, for example some banks have a policy against lending at a high loan to value ratio in high density areas and will only lend 80% of the home/investment property value. While some banks lend 95% of the value of a home/investment property. This means that there may be unusable equity in your property that cannot be accessed due to your lenders borrowing policies.

Upsizing made easy :

Has your family grown? Do you need more space? Do you just want a bigger house? We can help you with your changed needs by getting a valuation done on your property and finding out how much you can borrow and then sourcing the best loan for you. Which may include a relocation or bridging loan.

SMSF Funding for your future :

Do you want to self-manage your super fund by investing in property development. Whether you want to invest into a development or alternatively purchase an investment property inside you SMSF, we can talk to you about the best deals from the different lenders and make it a hassle free experience.

Commercial Finance :

Commercial loans can be difficult if you don’t know where to look. Whether you are dealing with multiple properties or require a development loan or you are looking at starting a new venture, we can help you. We specialise in all types of loan finance small or large. We aim to make your life easier by finding you the best commercial loan package for your needs.

Insurance for your protection :

Taking on a loan mortgage is a big commitment and you want to know that if something happens to you, your partner, your parents or even your children that you have strategies in place to ensure you do not lose your home.

Taking the time to speak to an insurance broker (who we can recommend), about loan protection, income protection or total and permanent disability protection about insurance can and will give you the peace of mind you need.

Rapid Reducers pay off your home fast :

This is a new way to rapidly reduce your home loan by using an investment property to pay off your own home quicker. Ask us how it works, you will be surprised at how cheap the interest rate for your home loan can be and how quickly you can pay it off.

Low Rate Car Loans :

We have access to a range of competitive and quick lenders. We are able to send you an obligation free comparison quote from the range of 17 lenders that are available in the Motor vehicle, Truck, Boat, Caravan, Motor cycle, and Business Equipment finance lending space. We encourage you to then look at the monthly repayments on the loans we offer in comparison to others in the market-place. You will be pleasantly surprised!