We’re all unique when it comes to our finances and borrowing needs. Contact us today, we can help with calculations based on your circumstances.
Other FAQs
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
If you dream of a new home but have nightmares at the thought of building one, an off-the-plan purchase may be the perfect compromise. Although you will not get to [...]
No, if your financial situation changes after you have received pre-approval, your situation will need to be reassessed. This could be because you have changed jobs, had changes to your [...]
Various incentives are still being dangled in front of first-home-buyers, which may add to the appeal of buying off the plan. Concessions vary across Australia and some have been curbed [...]
Superannuation is generally preserved until you reach your preservation age and meet a condition of release, such as retirement. There are limited circumstances where early access may be permitted, including [...]
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 [...]
Yes. Eligible Self Managed Super Funds (SMSFs) can purchase qualifying commercial property, either outright using available fund assets or through a Limited Recourse Borrowing Arrangement (LRBA), subject to superannuation and [...]
Banks can only offer their own products and policies. A broker provides access to multiple lenders, helping you compare options and structure a loan that aligns with your goals and [...]
Timeframes vary depending on the lender, the complexity of your situation and market conditions. As a general guide: Pre-approvals may take anywhere from a day to a couple of weeks. [...]
Off-the-plan apartments are often pitched heavily at investors due to the tax* benefits that come with depreciation on new properties and rental guarantees. Tax savings will depend on your individual [...]
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 [...]
Insurance is not mandatory, but if your financial plan depends on your income or ability to provide for others, having appropriate protection can reduce financial vulnerability. The purpose of insurance [...]
Once you’ve paid off the second smaller loan, you can apply to remove the guarantee. This means your guarantor will only be liable for as long as it takes you [...]
Each time you apply for pre-approval this is treated like any other application for credit and will be added to your credit history, regardless of whether you are approved or [...]
Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
