In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest rate.
We will always disclose how we are remunerated and ensure you understand any applicable fees before proceeding.
Transparency is an important part of our process.
Other FAQs
An LRBA (Limited Recourse Borrowing Arrangement) is the legal structure used when an SMSF borrows money to purchase property. It helps protect other SMSF assets if the loan defaults.
Yes. SMSFs can purchase commercial property, including offices, warehouses, retail premises, and industrial properties. Many business owners use SMSFs to purchase the premises their business operates from.
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
Employer sick leave may provide short-term support, but it is typically limited in duration. Income protection insurance is designed to provide longer-term income replacement if illness or injury prevents you [...]
This is one of the most common and important retirement questions. The longevity of your savings depends on several factors, including: How much income you draw each year Investment returns [...]
All investments carry some level of risk, but risk can be managed — not eliminated. Ways to manage risk include: Diversifying across asset classes Avoiding concentration in a single investment [...]
We take care to structure applications thoughtfully. Before submitting any formal application, we assess your borrowing capacity and identify lenders whose criteria align with your situation. This helps avoid unnecessary [...]
Make sure you purchase from a reputable builder and take the time to research their previous projects. Do they use quality contractors? Do they deliver projects on time? Make a [...]
Salary sacrificing can be an effective way to build retirement savings tax-efficiently, particularly for higher income earners. Concessional contributions are generally taxed at a lower rate than many personal marginal [...]
There isn’t a single number that suits everyone. The amount you need depends on your lifestyle expectations, housing situation, health, travel plans and whether you expect to receive any Age [...]
For most lenders a pre-approval is valid for 90 days, but it can often be extended by resupplying your income and expense information to your lender.
Yes. Eligible SMSFs may be able to purchase residential or commercial investment properties using a compliant borrowing structure known as a Limited Recourse Borrowing Arrangement (LRBA).
Diversification means spreading investments across different asset types, industries and geographic regions rather than relying heavily on one area. The purpose of diversification is to reduce the impact of any [...]
In most cases, we are paid a commission by the lender once your loan settles. This commission is built into the lender’s product pricing and does not increase your interest [...]
