We start with a strategy conversation to understand your goals, income, and future plans.
From there, I assess your borrowing capacity, structure options, and lender policies, then manage the loan application through to settlement and beyond.

You get clear advice, proactive updates, and a long-term lending strategy, not just a transaction.

Timeframes vary by lender and complexity, but typically:

→ Initial assessment: 24–48 hours
→ Pre-approval: 3–10 business days
→ Formal approval after contract: 5–15 business days

I’ll always give you realistic timeframes upfront and recommend lenders based on both speed and policy fit, not just rates. My aim is get you with the most suitable lender to meet your specific requirements.

In most cases, my service is paid by the lender once your loan settles, and there is no direct cost to you.

If a scenario requires specialist work or non-standard lenders, I will disclose any fees upfront before you proceed.

I am really big on No surprises and Full transparency.

Absolutely. Many of my clients grow their portfolios by:

→ Releasing equity from existing properties
→ Structuring loans correctly for tax and cash flow
→ Avoiding cross-collateralisation where possible

→ Lending in entities that allow and set themselves up additional future borrowing capacity

This is where strategy matters more than just interest rates.

There is no fixed number. It depends on:

→ Your income
→ Existing debt
→ Living expenses
→ Lender policy at the time

Part of my role is helping you understand what is possible now and how to improve your position for the next purchase.

Yes. I regularly help with:

→ First home purchases
→ Investment property strategies
→ Equity releases and portfolio building
→ Refinancing for better rates or structures
→ Self-employed and complex income scenarios

Each strategy is tailored to your longer-term goals, not just your next loan.