Owner-occupier, investment, first home buyer, refinancing, construction and overseas buyer solutions — we cover the scenarios Sydney buyers face most.
First home buyers and upgraders — bilingual support from pre-approval to settlement, with every step explained clearly.
We factor in rental yield and tax structuring to compare owner-occupier vs. investment rates and repayment options.
When your current loan expires or its rate is no longer competitive, we assess whether refinancing can save you interest.
Staged drawdowns (typically 5–6 stages: slab, frame, exterior, fit-out, completion), with interest only charged on funds already drawn as your build progresses — not the full loan from day one.
Australia's major banks have largely paused lending to overseas buyers in recent years. We work closely with several non-bank lenders to arrange finance up to 75% of property value (LVR), for both PAYG and self-employed applicants, and manage FIRB approval requirements.
NSW's First Home Owner Grant (FHOG) is currently $10,000, for new homes under $600,000, or a land-plus-building contract under $750,000 — we check your eligibility against the latest thresholds before you commit.
$300k land + $450k building contract (total $750k)
Stamp duty applies to the land component only
$750k existing property
Stamp duty applies to the full property value
Figures are illustrative estimates based on official duty tables and are for reference only; actual amounts depend on the NSW Revenue rates in effect at the time and your specific circumstances.
Yes. Stamp duty is only charged on the land component — for example, $300k land + $450k building contract (total $750k) incurs roughly $8,990 in stamp duty; an existing home at the same $750k total price incurs roughly $29,240. The gap is significant, though exact figures depend on the duty rates in effect at the time.
Broadly similar to local applicants (identification, proof of income), though requirements vary slightly by lender. We recommend contacting us early for an application checklist.
No. The assessment is completely free, and there's no fee unless we succeed.
Free assessment, no fee unless we succeed.
