This Service Is Right for You If…

We work with borrowers across Sydney and the Byron Bay Shire region who have real-world complexity in their financial situation. If any of the following sounds like you, we have almost certainly helped someone in exactly the same position.

  • You are self-employed with one or more years of ABN history, and standard bank income verification does not reflect what you actually earn.
  • You are buying through an SMSF (Self-Managed Super Fund) and need a lender that understands SMSF lending rules and limited recourse borrowing arrangements (LRBA).
  • You have a bad credit history — a default, a Part IX debt agreement, or a discharged bankruptcy — and mainstream lenders have already said no.
  • You are a first home buyer navigating grants, stamp duty concessions, and lenders mortgage insurance for the first time.
  • You want to refinance because your current rate is uncompetitive, or because you need to consolidate debt, access equity, or restructure.
  • You are a property investor building a portfolio, including interest-only structures and lending across multiple properties.
  • You have ATO debt and need a lender willing to pay out the Tax Office as part of a refinance — most lenders will not do this. We know the ones that will.
  • Loan size: We typically work on loans between $400,000 and $7,000,000.
  • Location: Sydney-wide and the Byron Bay Shire region.

This Service Is Not Right for You If…

We want to be straightforward about where we are not the right fit.

  • You need a very small loan (generally under $300,000). The complexity of our work and the lender options we access are designed for larger borrowing needs.
  • You need a commercial property loan or business loan — our focus is residential mortgage broking.
  • You want the cheapest possible online comparison with no relationship — our process involves real conversations and is built around finding the right lender, not just the lowest advertised rate.

How It Actually Works

First conversation (Week 1): We have a no-obligation call or meeting to understand your situation in full — income structure, assets, debts, credit history, and what you are trying to achieve. No paperwork yet.

Lender research and strategy (Week 1–2): We identify which lenders will actually approve your loan given your specific circumstances, and we present you with a clear recommendation and the reasons behind it. We do not send your application to multiple lenders speculatively, because each credit inquiry affects your credit score.

Application and submission (Week 2–3): Once you are comfortable with the direction, we prepare the full application and submit it to the chosen lender. We manage the entire process with the lender from here.

Approval and settlement: Most approvals come through within 3 to 10 business days for straightforward applications. Complex applications (SMSF, bad credit, ATO debt) can take longer. We keep you updated at every step.

After settlement: We stay in touch. Rates change, circumstances change, and a refinance 12 to 18 months later can sometimes save significant money. We contact clients proactively when we see an opportunity.

A Real Example of What We Do

The situation: A self-employed business owner had accumulated ATO debt while keeping the business running. He needed to clear the tax debt urgently to avoid ATO enforcement action, but he did not have the cash. He also had an existing home loan.

The problem: The vast majority of lenders will not include ATO debt in a refinance. His existing bank would not help. Standard brokers had told him it could not be done.

What we did: We identified a lender that specifically allows ATO debt to be cleared as part of a refinance. We refinanced his home loan to that lender, which paid out the ATO in full. We then arranged an additional short-term facility at a higher rate to cover the remaining tax liability above what the refinance covered. Once the ATO debt was fully cleared, we refinanced again to a mainstream lender at a competitive rate — because with no ATO debt on record, he now qualified.

The outcome: ATO debt gone. Cash flow restored. Lower monthly repayment than he had before the process started. The client went from facing ATO enforcement to being in a clean financial position within a few months.

This is the type of situation we exist for. If your situation seems complicated, call us before assuming it cannot be done.

Frequently Asked Questions

Can you help someone who has been declined by their bank?
Yes. A bank decline does not mean you cannot borrow. It means that particular lender does not fit your situation. We have access to lenders who specialise in exactly the circumstances that banks decline.

Can you help self-employed borrowers who cannot show two years of tax returns?
Yes. There are lenders who accept one year of financials, or who use bank statement lending where your actual deposits are used to assess income rather than ATO records.

Can you help with SMSF property loans?
Yes. SMSF lending through a limited recourse borrowing arrangement (LRBA) is a specific area we work in. The rules are strict and the number of lenders offering this product is small. We know who they are and how to structure the application correctly.

Do you charge the borrower a fee?
In most cases, no. We are paid a commission by the lender when your loan settles. We disclose all commissions upfront as required by our Best Interests Duty obligations.

Do you work outside Sydney?
Yes. We also serve the Byron Bay Shire region, and for the right client we can work anywhere in Australia remotely.