Home loans that fit the way you live

Whether you're employed, self-employed or somewhere in between, a good home loan is about more than the headline interest rate. It's about a structure that suits how you manage money, features you'll actually use and costs you understand — today and over the years ahead.

First home buyers

Buying your first home is exciting — and there's a lot to get your head around. I'll help you understand your borrowing capacity, plan your deposit and upfront costs, explore any assistance schemes you may be eligible for and guide you all the way to settlement.

Moving to your next home

Upsizing for a growing family, downsizing, or finally making the move to the coast? We'll look at how much equity you have in your current home, how much you may be able to borrow, and the timing of selling and buying. If the timing doesn't line up perfectly, we can talk about options like bridging finance (see below).

Refinancing and reviewing your loan

Your home loan should keep up with your life. It may be worth a review if:

• Your fixed rate period is ending, or it's been a few years since you checked your loan
• You'd like features such as an offset account, or a different repayment structure
• You want to consolidate debts or access equity for a suitable purpose
• Your income, family or business situation has changed

I'll compare your current loan with suitable alternatives, including any costs of switching such as discharge, application or government fees. If staying where you are makes more sense, I'll tell you.

Property investment

Whether it's your first investment property or you're adding to a portfolio, loan structure matters. We'll talk about how the investment loan fits with your home loan and other commitments, how lenders may look at rental income, and the features worth considering. I'll focus on the lending; for tax and investment advice, please speak with your accountant or financial adviser.

Construction and renovations

Building a new home or knocking down and rebuilding? Construction loans typically release funds in stages as the build progresses, with interest charged on the amount drawn. Lenders will usually want to see your building contract, plans and council approvals.

Planning a renovation? Depending on the size of the project and your circumstances, options may include using existing equity, a loan top-up or a construction-style loan for larger works. We'll work out which approach could suit your project and budget.

Exploring equity for suitable purposes

If your property has grown in value or you've paid down your loan, you may have usable equity. People sometimes use equity towards a renovation, an investment property deposit or other significant purchases. Borrowing against your home increases your debt and puts your home up as security, so we'll talk through the purpose, the costs and how repayments will fit your budget before you decide.

Bridging finance

Bridging finance can help when you're buying your next home before your current one has sold. It can give you breathing room, but it comes with its own costs and risks — particularly if your sale takes longer or achieves less than expected. Lender policies vary, so I'll explain how it works, what it might cost and what happens if plans change.

Looking beyond the interest rate

The interest rate matters — but it's only part of the picture. When we compare options, we'll also look at:

Good to know: All loans are subject to lender assessment, terms and conditions. I'll explain the key details of any loan before you apply.