BUYING A HOME
Ready to step into your next property or buy your first home? Our Broker can provide insights on the right loan structures, costs, and timing that aligns with your needs.
SMART REFINANCING
A regular health check of your home loan means as interest rates fluctuate and competitive products emerge, our Broker can assess if there are better options to help you get ahead.
RENOVATING OR EXTENDING
Planning home improvements? With our Brokers’ diverse loan solutions and access to lenders they’ve got your unique renovation or extension needs covered.
Buying an investment property
Our Broker can help unlock the potential of your property portfolio with strategic finance solutions and ensure your loan structures are tax effective and align with your investment goals.
Purchasing through a Self Managed Super Fund
Navigating SMSF lending is complex and requires expertise. Our Brokers work closely with our team of Financial Planners and Accountants to find suitable and competitive SMSF loan products.
About our broker:
Michael Lawes
Whether you're a first-time homebuyer or expanding your property portfolio, it’s a decision you want to get right. Michael can help you devise a flexible lending strategy considering your big-picture plans while reducing risk and minimising costs. His ongoing service includes regular rate reviews to ensure that you are paying the lowest rate possible with your lender.
“At 22, engaging a financial planner resulted in investing my hard-earned savings from working at Maccas, revealing the power of compound returns and getting proper advice.
“That early interest in finance helped me build a professional career in financial services over 25 years. As a qualified financial adviser, I understand the importance making sure any mortgage guidance complements your overall financial picture and your plans for life.”
News
Why 3/4 Aussies turn to a Broker for Home Loan help
You might have seen a headline or two about a particular big bank being at war with brokers. Nothing could be further from the truth. Our mission is – and always will be – putting you first. That’s why three in every four borrowers now come to us for help.
June 28, 2024
Is a Tree or Sea Change on your Horizon?
Fresh air, affordable homes, and less traffic are driving city dwellers to regional Australia. The trend is growing, with metro to regional relocations up 20% from pre-Covid levels, according to Commonwealth Bank research. The lifestyle benefits include a laidback atmosphere and the charm of seeing native wildlife instead of traffic lights. The classic tune "Home Among the Gum Trees" epitomizes this appeal, as regional towns and cities offer an attractive alternative to urban living.
June 14, 2024
How Tax Cuts might affect your Borrowing Power…
Who doesn’t love a tax cut? Most of us are now only weeks away from saving on our tax bills, with Stage 3 tax cuts to kick in from 1 July. But another key advantage is that the tax cuts could give your borrowing power a nice boost.
The upcoming Stage 3 tax cuts have received plenty of attention – some good, some bad – so we won’t focus on the politics of it today. But they are still expected to benefit about 13.6 million Australians, and how much tax you might save depends on your income. A person on the national average wage of around $73,000 will pocket a yearly tax saving of $1,504, says the federal government. If your income is, say, $100,000, you could expect to save $2,179 in tax each year. For households juggling a cost-of-living crunch, the tax cuts can’t come soon enough.
June 1, 2024
Credit Representative 550477 is authorised under Australian Credit Licence 389328. This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.