Accredited with Australia's leading lenders
First home buyer, upgrader, investor, or refinancer — Sam compares 20+ lenders to match you with the right rate, structure, and lender. No broker fee.
Sam works across the full spectrum of residential lending — from first-time buyers navigating unfamiliar territory, to experienced investors building portfolios. The approach is always the same: understand the situation first, then find the right fit.
Buying your first home involves more moving parts than most people expect — deposit requirements, government schemes, lender policies, legal steps. Sam walks you through the process from pre-approval to settlement, making sure you understand every decision before you make it. Access to First Home Guarantee, First Home Owner Grant (VIC), and stamp duty concessions where eligible.
Moving from your current property to the next one involves selling and buying simultaneously — timing, bridging finance, and serviceability all matter. Sam structures the transaction so you're not exposed to a gap between sale and settlement, and sources the most competitive rate for your next loan.
If you haven't reviewed your rate in the last 12–24 months, you're likely paying more than you need to. Sam compares your current loan against the market, calculates the break-even point on switching costs, and only recommends refinancing when the numbers genuinely stack up. No fee for the review.
Investment lending has different rules to owner-occupied lending — higher deposit requirements, lower LVR limits, and different serviceability calculations. Sam understands how lenders assess investment portfolios and can structure your loan to preserve borrowing capacity for future purchases. Interest-only, principal and interest, or offset — matched to your strategy.
Standard lenders assess serviceability using payslips and tax returns. When income is through a business or trust, many lenders apply conservative haircuts or decline outright. Sam works with specialist lenders who understand complex income structures — alt-doc, low-doc, and non-conforming options available where standard lending doesn't apply.
Building or renovating requires a different loan structure to a standard purchase — progress payments, land valuation, and builder contract review all factor into approval. Sam coordinates with your builder and conveyancer to ensure drawdowns align with construction milestones and keeps the process moving.
Sam explains every option clearly before making a recommendation. The right loan structure depends on your goals, timeline, and risk tolerance — not on which product earns the highest commission.
Rate moves with the market — typically lower to start, and falls when the RBA cuts. Suitable for borrowers who want flexibility and aren't concerned about rate volatility.
Locks your rate for 1–5 years. Repayments are predictable, making budgeting straightforward. Early exit fees apply — Sam explains the break costs before you commit.
Part fixed, part variable. A common choice for borrowers who want certainty on a portion of their debt while keeping some flexibility on the rest.
A transaction account linked to your mortgage. The balance offsets your loan principal daily, reducing the interest you pay without locking funds away.
Pay only interest for an agreed period — common for investment properties to maximise cash flow. The principal doesn't reduce during the IO period, so this needs careful planning.
For self-employed borrowers who can't provide standard income documentation. Assessed using BAS statements, accountant letters, or business bank statements in place of tax returns.
From first conversation to settled loan — and every annual review after. No surprises, no chasing.
Book a Free ConsultationMost lenders require a minimum 5% genuine savings deposit for owner-occupied purchases, though 10–20% gives you access to more lenders and avoids Lenders Mortgage Insurance (LMI). LMI is a one-off insurance premium that protects the lender (not you) if you default — it's added to your loan and can cost several thousand dollars.
First home buyers may be eligible for the First Home Guarantee, which allows a 5% deposit without LMI for eligible applicants. Sam assesses your eligibility and explains what applies to your situation — subject to government scheme availability.
Sam receives an upfront commission and a trailing commission from the lender when your loan settles. There is no broker fee charged to you. ASIC's Best Interests Duty requires brokers to act in your favour — the recommendation must benefit you, not the lender. The commission Sam receives is disclosed in writing before you proceed with any application.
From initial consultation to formal approval, typically 5–15 business days for a standard application. Construction and complex scenarios may take longer. Sam can often obtain conditional pre-approval within 24–48 hours of receiving your documents, giving you a clear borrowing ceiling before you make an offer.
For PAYG employees: last 2 payslips, most recent group certificate or tax return, 3 months of bank statements, photo ID, and details of any existing liabilities (credit cards, car loans, HECS/HELP).
For self-employed borrowers: last 2 years of personal and business tax returns, ATO notices of assessment, and 6 months of business bank statements as a starting point. Sam advises on exactly what's needed before you gather anything.
Yes. Each lender has different credit policies, and a decline from one lender does not mean all lenders will decline. Sam has access to specialist and non-bank lenders who assess complex situations differently to the major banks. Sam reviews what caused the decline, identifies which lenders are appropriate, and only submits when the assessment suggests a strong likelihood of approval.
It depends on your circumstances and your comfort with rate volatility. Fixed rates provide certainty but limit flexibility — extra repayments are usually capped, and breaking early can result in significant costs. Sam explains the trade-offs and presents a split loan option (part fixed, part variable) where it suits. This is not financial advice — Sam explains the structure options and you decide.
30 minutes, no obligation, no fee. Sam reviews your situation and gives you a clear picture of your options — including an indicative borrowing capacity — before you commit to anything.