What I can help with

Loans get stale. Lenders reserve their sharpest pricing for new customers, and the rate that was competitive three years ago rarely still is. I review what you're paying now, model what a switch would actually cost and save over the life of the loan, and tell you plainly whether it's worth moving.

• A full review of your current rate, fees and structure
• Real numbers — break costs and switching fees included, not glossed over
• Debt consolidation and cash-out for renovations or the next purchase
• An honest "stay put" if the maths doesn't stack up

Your first purchase is the one with the most unknowns and the least room for a nasty surprise. I explain what you can genuinely borrow, what deposit you need, which government schemes you qualify for, and what happens at each stage — so you can bid or negotiate knowing exactly where you stand.

• Realistic borrowing power before you fall in love with a property
• The 5% Deposit Scheme, Help to Buy, stamp duty concessions and state grants explained
• Deposit, LMI and guarantor options weighed side by side
• Pre-approval organised so you can move quickly when it counts

Investment lending is as much about structure as it is about rate. How the loans are split, which security sits where, and how equity is released all shape what you can do next. I work with your accountant where it helps, and set the finance up so property number two doesn't get blocked by how you funded property number one.

• Interest-only, offset and equity release structured deliberately
• Equity in existing property unlocked for the next deposit
• Loan splits kept clean for your accountant come tax time
• Serviceability mapped across the whole portfolio, not one purchase

A self-managed super fund can borrow to buy property, but only through a limited recourse borrowing arrangement — a structure with its own bare trust, its own lender panel and its own set of rules. Far fewer lenders write it than write ordinary home loans, and their policies on fund balance, contributions and liquidity differ sharply. I arrange the lending side and work alongside your accountant and financial adviser, who own the question of whether the fund should be buying property in the first place.

• Limited recourse borrowing arrangements for residential and commercial property
• The smaller panel of lenders who genuinely write SMSF loans
• Bare trust and structure requirements mapped out before you commit
• Fund balance, contribution and liquidity tests checked against lender policy
• Coordinated with your accountant and licensed financial adviser, who advise on the strategy

A construction loan doesn't behave like a normal home loan. The money is released to your builder in stages as the build hits each milestone, you pay interest only on what has actually been drawn, and the lender values the property on what it will be worth finished rather than what's standing there now. I set the facility up so the drawdowns line up with your building contract, and so nobody is left waiting on funds halfway through a slab pour.

• House and land packages, knock-down rebuilds and major renovations
• Progress payments released in step with your fixed-price building contract
• Interest-only while you build — you pay only on what's been drawn
• Land settlement and construction funding planned as one, not two
• The rent-and-repayments overlap budgeted for before you sign

Commercial lending runs on different rules to residential: different deposits, different terms, and lenders who assess the tenant and the lease as closely as they assess you. I know which lenders are genuinely interested in your asset class and how to present a deal so it gets read seriously.

• Owner-occupied premises and investment-grade commercial property
• Lease, tenant and valuation issues worked through before submission
• Company and trust borrowing structures where they're the right fit
• Terms, deposits and covenants explained before you commit

Not every business need is an asset you can point at. Payroll before a big invoice clears, stock ahead of a season, a deposit on a contract you've just won — those are cash flow problems, and a property-secured loan is a slow, heavy way to solve them. Unsecured business lending is faster and leaves your home out of it, but pricing varies enormously between funders and each one is genuinely sharp only within a particular loan size band. Knowing which one to approach first is worth more than shopping the same deal around.

• Working capital, stock, payroll and growth funding
• No property security required
• Funders matched to your loan size — each is competitive in a different band
• Short-term facilities and lines of credit compared side by side
• A straight answer when a secured option would genuinely cost you less

The finance offered across the desk at a dealership is rarely the sharpest available, and the pressure to sign on the spot is deliberate. I arrange your funding separately so you walk in knowing your rate and your limit, and you can negotiate on price alone.

• Personal and business vehicle finance
• Chattel mortgage, lease and hire purchase compared honestly
• Pre-approval before you set foot in a dealership
• Balloon payments and terms set to suit your cash flow

Buying equipment outright can drain the cash a growing business needs to actually trade. Equipment finance spreads the cost across the life of the asset. I match the term to how long the equipment will genuinely earn its keep, and structure repayments around your revenue cycle.

• Machinery, plant, IT, medical and hospitality fit-outs
• Terms matched to the working life of the asset
• Low-doc options for established businesses
• Repayments structured around seasonal or lumpy cash flow

Heavy commercial assets are their own lending world, with specialist funders, asset-age policies and fleet limits that general lenders simply won't touch. Whether you're adding one prime mover or refinancing a fleet, I go to the lenders who actually write this business.

• Prime movers, trailers, earthmoving and yellow goods
• Single-unit purchases through to fleet facilities
• Private-sale and auction purchases handled
• Refinance of existing equipment to release cash

A loan is a thirty-year commitment made on the assumption that the income servicing it keeps arriving. Working out what happens if it doesn't is a conversation worth having at the same time as the loan, not years later. It isn't a conversation I'm licensed to have, so I introduce you to a specialist who is, and the two pieces get planned together instead of separately.

• Life, total and permanent disability, trauma and income protection
• Home, contents and landlord cover for the property you're financing
• Business insurance, including key person and loan protection cover
• Introduced at the same time as the loan, so nothing is left until later

Arranged by a licensed insurance adviser I refer you to. I don't provide insurance guidance and I don't assess your insurance needs.

Equity released from a refinance, a maturing investment, or the surplus a restructured loan frees up each month all raise the same question: what should this money be doing? That question is financial product advice and it belongs with someone who holds a licence to give it. I make the introduction, share the lending picture with your permission, and stay in the conversation on the credit side.

• Introductions to licensed financial advisers and funds management professionals
• The lending picture shared with them, with your permission, so nothing is planned twice
• Useful when equity release, an investment purchase or a restructure changes your position
• Superannuation and investment strategy handled by the adviser, lending by me

Provided by a licensed financial adviser I refer you to. As a credit representative I can't provide financial product guidance or recommend an investment.

Every agent at every inspection is working for the seller. A buyer's advocate is the one person in the transaction paid to work for you: they search off-market as well as on, tell you what a property is genuinely worth, and bid at auction without the adrenaline. Pairing an advocate with finance already approved is the strongest position you can turn up in, which is why I introduce the two early rather than after you've missed a property.

• Searching on-market and off-market against your actual brief
• Independent appraisal of what a property is worth before you bid
• Auction bidding and private-sale negotiation handled on your behalf
• Paired with pre-approval, so your finance and your search move together

Provided by a licensed buyer's advocate I refer you to. Acting for a buyer in a property transaction requires an estate agent's licence, which I don't hold.