Residential loans
Explore first home loans, refinancing, investment and construction finance with a mortgage broker who takes the time to explain your choices.
Start with your budget, savings and ongoing costs. We help you understand the application process, discuss deposit requirements and compare loan options for your circumstances. Any grants or concessions depend on the current rules and your eligibility.
A move can involve selling, buying and arranging finance on different dates. Talk with Lester about your existing loan, the funds available for the next purchase and the timing you need to plan for.
Review your existing rate, features and costs against other suitable loans. We can help compare options, explain switching costs and consider how a change in loan term affects the total amount you repay. A lower monthly repayment does not always mean a lower overall cost.
Explore Home Loan Refinancing in Melbourne →Discuss a purchase or review an existing investment loan. We look at your income, commitments, property plans and the structure you are considering. Seek tax and legal advice before choosing an ownership structure or relying on a tax outcome.
If your income does not fit a standard payslip, discuss the records available to support an application. Depending on the lender, these may include tax returns, financial statements, BAS, business bank statements or an accountant’s declaration. Alternative documentation still requires an assessment of affordability.
Explore Home Loans for Self-Employed Borrowers in Melbourne →Planning a new home? We can discuss finance that releases funds in stages as building progresses. Bring your land details, building plans and contract so we can explain the lender’s requirements and how progress payments work.
Combining eligible debts into one loan may simplify repayments. Compare the total cost and repayment period before proceeding. Moving unsecured debt into a home loan can put your home at risk and extending the term may increase the interest paid.
Get an indication of what a lender may be willing to lend before you make an offer. Pre-approval is conditional, can expire and is not a guarantee of final approval. The property and your circumstances still need to meet the lender’s requirements.
A clearer understanding
Need help with your circumstances? Talk with Lester →
It depends on your income, expenses, debts and lender assessment. Ask Lester for an indicative borrowing capacity calculation once your key details are available. A calculator estimate is not an approval.
A linked offset balance can reduce the balance used to calculate interest. Ask about eligibility, fees and how the feature works on the loan you are considering.
Some loans allow extra repayments. Limits and fees vary, particularly for fixed-rate loans. Check the terms before changing your repayment plan.
Personal support from your first question to the next step.
