Your whole borrowing position
We look at income, living expenses, existing debts and available deposit or equity. Different lenders assess the same circumstances differently.
Home loans · Sydney
A home loan for the life you’re building.
First home, next home or a fresh look at your existing loan. Start with your position and put a considered structure behind the move.
For anyone buying a home, moving, refinancing or building.
What matters
More than choosing an interest rate.
Features that have a purpose
Offset, redraw, fixed or variable interest, split loans and the remaining term all involve trade-offs. We consider how you expect to use the loan.
A clear application process
Understand the evidence required, how the lender assesses the property and what needs to happen between application and settlement. Approval remains the lender’s decision.
Find your situation
Start with the move you’re making.
Choose the situation closest to yours. Each path explains what matters, what to prepare and what usually happens next.
01 · YOUR MOVEFirst home buyersDeposit, borrowing position and your first application.02 · YOUR MOVEBuying your next homeEquity, buying and selling timing, and your next loan.03 · YOUR MOVERefinancingRate, fees, features and the cost of changing loans.04 · YOUR MOVEConstruction financeLand, progress payments and finance for each stage.
Getting ready
A useful starting point.
You don’t need everything ready for the first conversation. These details can help make it more useful.
- Recent income evidence and employment details
- Existing loan and credit statements
- Savings, deposit or equity information
- A clear outline of your plans and time frame
Discuss the secure process for providing documents with Alan. There is no document upload on this website.
Repayment comparison
Compare two rates or loan terms side by side, including total interest.
Compare repaymentsYour questions
Good to know.
Can I start before finding a property?
Yes. Understanding your position early can help you plan a search. Any pre-approval remains conditional and may expire. The lender still needs to assess the property and final application.
Do you help with existing home loans?
Yes. A review can consider your current loan, changing circumstances, features and the cost of switching. A change is only worth considering when the overall position supports it.
Free strategy call with Alan
Your next move starts with a conversation.
15 minutes with Alan. Talk through where you are, where you want to go and what your finance needs to do along the way.