Questions Are Part Of The Journey.
We're Here With Answers.
Buying, refinancing, or investing often comes with a lot of questions — and that's a good thing. Below, we've answered some of the most common questions we're asked, so you can move forward feeling informed, supported, and confident in your next step.
How much deposit do I need to buy a home in Australia?
Most lenders prefer a 20% deposit, but you can often buy with as little as 5% (or even 2% under certain government schemes). Keep in mind that deposits under 20% may attract Lenders Mortgage Insurance (LMI).
We’ll help you understand your options and eligibility.
Am I eligible for first-home grants?
Eligibility depends on your state, the property type, and whether you’ve owned property before. We’ll check the current grants and concessions that apply to your situation.
Can I buy if I’m on one income?
Yes. Borrowing on a single income is common — what matters is your income stability, expenses, and deposit. We’ll run the numbers and give you a realistic borrowing range.
What documents do I need?
Generally: photo ID, recent payslips, bank statements, and details of any existing debts. We’ll send you a tailored checklist so nothing slows down your application.
How long does pre-approval take?
Often within a few business days once your documents are in. We’ll keep you updated at every step so you can shop with confidence.
Can you finance a commercial property purchase?
Yes. We arrange funding for owner-occupied and investment commercial property, including more complex structures and SMSF purchases.
What deposit is required for commercial lending?
Commercial lending typically requires a larger deposit than residential — often 20–35% depending on the asset and lender. We’ll structure the right approach for your goals.
Can I refinance an existing business loan?
Absolutely. Refinancing can free up cash flow, consolidate facilities, or secure better terms. We’ll review your current setup and compare your options.
Do medical professionals get better lending terms?
Often, yes — many lenders waive LMI and offer preferential terms for eligible healthcare professionals. We’ll identify which apply to you.
Can you finance a practice purchase or fit-out?
Yes. We arrange specialist finance for practice acquisitions, equipment, and fit-outs, tailored to how medical income and businesses actually work.
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