WHAT WE DO
Our services
Mortgage broking for every type of income, with deep specialist expertise for contractors and self-employed professionals.
INCOME TYPE LENDING
The right lender for your income type
Whether you're a permanent employee or have a more complex income situation, we match you to lenders who assess your circumstances correctly. For contractors and self-employed borrowers in particular, that matching makes a material difference.
Permanent PAYG employees
The most straightforward path. If you're a permanent employee with standard payslip income, we move quickly and efficiently to get you the best outcome. No unnecessary complexity, just the right loan at the right rate.
For contractors and self-employed borrowers, lender selection and income presentation matter significantly more:
PAYG contractor home loans
Paid through an agency on a day rate? Some lenders treat you like a permanent employee — others don't. We know which is which, and how to present your income correctly to maximise your borrowing capacity.
ABN contractor home loans
Invoicing under your own ABN to one or two clients? Lenders frequently assess you as self-employed, which can be unnecessarily restrictive. We identify lenders who recognise the distinction and assess you accordingly.
Self-employed home loans
Running your own business or practice means your income looks different on paper. We work through business financials, add-backs, and trading history to find lenders who see the full picture — not just last year's tax return.
ALL BORROWERS
What we can help you with
Whatever your property goal, we compare options across our panel of 30+ lenders to find the right fit.
Navigating the first home buyer process, including grants and stamp duty concessions.
First home buyers
Bridging finance, simultaneous settlements, and timing the transition between properties.
Upgrading or moving
Structuring investment loans for tax efficiency, including offset and debt recycling strategies.
Investment property
Reviewing your existing loan against current market rates and identifying where you can do better.
Refinancing
Progress draw loans for new builds, with lender selection matched to your builder and timeline.
Construction loans
A family member can use the equity in their own property to help you buy, reducing or eliminating the deposit you need and avoiding lenders mortgage insurance.
Guarantor loans
How we work
1
Understand your situation
We start by understanding your income type, goals, and timeline — not by asking you to fill out a form.
2
Match you to the right lenders
We search our 30+ lender panel for the lenders who assess your income type most favourably.
3
Structure the loan correctly
Loan structure matters as much as rate. We recommend the right product, features, and split for your situation.
4
Support you through settlement
We manage the application, keep you updated, and stay available through to settlement and beyond.
