First Home Buyers
Schemes, guarantor structures and what the deposit really needs to be.
Services / Home & Investment
Home & Investment Loans.
For people on a wage or salary. Here is exactly what happens, what it is worth, and what it costs.
Who this is for
People on a wage or salary, buying or refinancing.
First home buyers working out what they can actually do. Families upgrading. Investors adding a second property. Anyone who has been with the same lender for years and has started to suspect they are paying more than a new customer would.
It also covers lending into an established self managed super fund, where the fund already exists and the trustees have already decided to buy. See the section below for exactly where that line sits.
Upgraders
Buying and selling in the right order, without bridging panic.
Investment Property
How a lender assesses rent, negative gearing and portfolio exposure.
Refinance & Equity
Rolling off a fixed rate, or releasing equity for the next thing.
Phase 1
The complimentary strategic assessment.
Five stages of specialist work, done before you have paid anything and before anyone has touched your credit file.
We sit down and work out what you are actually trying to do
A conversation about the purchase or the refinance, your timing, your deposit or equity position, and what matters to you beyond the number.
What this means for you: most people start with “how much can I borrow” when the better question is “how much should I”. You get both answers, from someone who spent 24 years deciding these applications from the other side.
I collect what is needed, once
Payslips, identification, bank statements, existing loan and card statements, living expenses, and for a fund purchase the trust deed, the fund financials and the borrowing arrangement documents.
What this means for you: one list, in the right format, rather than a drip feed of requests over three weeks.
I work out your real borrowing capacity
Borrowing capacity, deposit and lending ratio, genuine savings position, lenders mortgage insurance exposure, and the effect of existing debts and credit limits. Assessed the way a lender assesses it, not the way an online calculator does.
What this means for you: online calculators are generous and lenders are not. Knowing the real number before you bid on something is the difference between a good weekend and a terrible one.
I pre-assess and structure the loan
Loan structure, features, offset and redraw, splits, and where they apply, first home buyer schemes, guarantor arrangements, or the specific structure a compliant fund borrowing requires.
What this means for you: the structure is what you live with for thirty years. An offset set up properly at the start is worth more than a few points off the rate, and nobody at a branch is going to walk you through it.
I test your position against lender credit policy
I take your position and test it against current policy and appetite across my panel of home loan lenders. Policy on casual income, bonuses, overtime, family assistance, credit history and fund lending varies far more between lenders than most people realise.
What this means for you: you get an indicative outcome, given before you have spent a dollar and before anyone has touched your credit file. Enquiries leave a mark, and shopping around lender by lender is the most common way people damage their own application.
You choose to continue from here.
Everything to this point has cost you nothing, and you leave knowing where you stand: an indicative outcome, in plain language, based on your actual numbers.
When you are ready to move, Phase 2 is where I go to work for you.
Phase 2
Formal engagement.
A one off engagement fee of $250 including GST applies, payable when you engage me to act for you. All of it comes back to you as a gift card after settlement.
I prepare and lodge the application
A complete application package, presented so the assessor has everything they need in the first pass, including a written explanation of anything in your file that needs context.
What this means for you: applications get delayed by missing paperwork far more often than they get declined on merit. This is the step that removes that.
I manage the assessment, the valuation and the conditions
Managing the file through assessment, ordering and managing the valuation, and working through every condition and query to formal approval.
What this means for you: you are not on hold to a call centre asking where it is. You get told, and you hear about a problem from me before it becomes one.
I take it from approval to settlement
Loan documentation, signing, coordination with your solicitor or conveyancer and the lender, and settlement itself.
What this means for you: the stretch between approval and settlement is where the anxiety lives, particularly with a contract date attached. Someone owns it, and it is not you.
I check it again every year
An annual review of your rate and structure against what is currently available, and a conversation about whether anything should change.
What this means for you: lenders price new business better than existing business and rely on you not noticing. Thirty years is a long time to not be checked on. This is included, for as long as you have the loan.
What it all adds up to
Eighteen hours of specialist work.
| Inclusions | Typical hours | Value | You pay |
|---|---|---|---|
| Discovery conversation | 1.5 | $375 | $0 |
| Document collection | 1 | $250 | $0 |
| Borrowing capacity, deposit and lending ratio assessment | 2 | $500 | $0 |
| Loan structuring and pre-assessment | 2 | $500 | $0 |
| Testing your position against lender credit policy | 1.5 | $375 | $0 |
| Phase 1 subtotal | 8 | $2,000 | $0 |
| You choose to continue from here | |||
| Application preparation and lodgement | 3 | $750 | $0 |
| Assessment, valuation and condition management | 3 | $750 | $0 |
| Approval to settlement | 3 | $750 | $0 |
| Annual rate and structure review | 1 | $250 | $0 |
| Phase 2 subtotal | 10 | $2,500 | $250 inc GST |
| Total | 18 | $4,500 | $250 inc GST |
Values reflect typical market rates for comparable specialist advisory and structuring work, calculated at $250 per hour. They are not fees charged to you.
Hours are typical, not fixed. Some engagements run under and some run well over, depending on your circumstances and how the information arrives. The fee does not change either way.
What you pay
A fee that comes straight back to you.
The upfront fee exists so that the people I work with are the people who are genuinely ready to proceed. It is not a revenue line, which is why all of it comes back to you as a gift card once your loan settles.
No ongoing fees. The annual rate and structure review is included for as long as you have the loan, so loyalty pricing does not quietly go unchecked.
Home and investment loans
$250 inc GST
Upfront$250 inc GST
Gift card after settlement$250
Net cost to youNothing
After settlement, I am paid a commission by your lender, not by you. No ongoing fees, and the annual review is included.
The fee covers credit assistance and structuring. It does not guarantee that a lender will approve your application. The gift card is provided on successful settlement.
Book a Time with AdrianIf this involves a self managed super fund
What I can and cannot do.
I can arrange lending to a fund that already exists, where you and your fellow trustees have already made the decision to borrow. That is a lending job, and it is one I do.
I cannot advise you on whether to set up a fund, whether to use one, or whether a property is a good investment. That is financial product advice and it requires a licence I do not hold. Those questions belong with your accountant or your financial adviser. What I can tell you is exactly how a lender will assess the fund and the borrowing.
In depth
Specialist topics we cover.
Hover or tap a card to read more.
Precision Home & Investment Lending
Hover / tap to learn moreStrategic mortgage design for complex financial profiles. PAYG, self-employed, trusts, expats, all welcome and well-handled.
Talk to us →The Investment Specialist
Hover / tap to learn moreUnlock equity and bypass lender restrictions. Portfolio-aware structures with cross-collateralisation managed where it helps, not where it traps.
Talk to us →Complex Construction Finance
Hover / tap to learn moreFund your build, including mid-project rescues. Progress drawdowns, contingency layers, builder-fixed-price scrutiny.
Talk to us →First Home Buyers
Hover / tap to learn moreNavigate grants, schemes, and high-LVR lending. First Home Guarantee, stamp duty concessions, family pledge structures.
Talk to us →SMSF Residential
Hover / tap to learn moreLending into an established fund that has already decided to buy. Limited Recourse Borrowing structures, lender policy assessment, accountant alignment.
Talk to us →Offset Accounts & Redraw
Hover / tap to learn moreKnow the features that protect your tax deductibility. Offset preferred for investment, redraw fine for owner-occupied.
Talk to us →Common questions
Before you book.
Does the assessment cost me anything?
No. Everything up to and including the indicative outcome is complimentary. If you decide to proceed, a one-off engagement fee of $250 including GST applies, and all $250 comes back to you as a gift card once your loan settles. After settlement, I am paid a commission by your lender, not by you.
Will this affect my credit file?
No. Talking to me and having your position assessed does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
Why is there an upfront fee if I get it back?
It is there so the people I work with are the people who are genuinely ready to proceed. It is not a revenue line, which is why all of it comes back to you as a gift card once the loan settles.
I am not ready to buy yet. Is it too early?
It is usually the right time. Knowing what you can borrow and what would strengthen your position gives you months to act on it, rather than finding out under pressure when a property is already on the table.
Can you help with a self managed super fund purchase?
I can arrange lending to a fund that already exists where the trustees have already decided to borrow. I cannot advise you on whether to set up or use a fund, or whether a property is a good investment. Those questions belong with your accountant or financial adviser.
What do I need to have ready?
Nothing at all for the first conversation. It helps if you know roughly what you earn and what you owe, but that is it. If we go further I will tell you exactly which documents are needed and why.
What if I change my mind after engaging you?
The engagement fee is retained once work has commenced, because the work has been done. That is why everything up to the indicative outcome is complimentary: you can see where you stand and walk away at no cost, before any of it applies.
Do you work outside the Sunraysia region?
Yes. I am based in Mildura, Victoria and meet clients across the surrounding region. Clients further afield are looked after by video, phone and email, with the same process throughout.
★★★★★
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
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Individual results vary. Your outcome depends on your circumstances and lender assessment.
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