Loans and debt management

Helping you find the best loan solution for your needs

Debt is a tool that can get you where you want to be. But only if you apply a sound strategy for debt management. We can help you get into it and help you with a plan to get out of it.

Our loan solutions

Access to over 60 banks and lenders

Loan solutions

Home loans

Buying a home, whether it's your first or next, can be overwhelming. From paperwork to loans and decisions about your current property, we’re here to simplify the process. We'll guide you every step of the way, tailoring solutions to your unique needs.

Investment property loans

Wanting to expand your property portfolio? Looking at your cashflow or capital growth? Whatever your next step, we'll take out the hurdles and help you secure the finance for your investment property.

Cash out loans

Are you a homeowner looking to access your property's equity for home improvements, debt consolidation, that long-overdue holiday, or other financial needs? We specialise in helping homeowners like you maximise the value of their property through cash-out refinancing.

Asset finance

Looking to expand or update your assets and equipment? We work with over 20 banks and lenders to find a competitive asset loan structure tailored for you. And we'll do the legwork for you, leaving you to run your business. 

Commercial lending

Need funds for business growth or an acquisition, an overdraft for daily operations, or assistance with commercial property or development? With our deep experience in commercial banking, we will guide you through the complexities of securing the right lending solutions.

SMSF loans

Use your Self-Managed Super Fund to get a home loan and grow your investment portfolio for retirement. We navigate the complexities of SMSF lending, ensuring that all regulatory requirements are met, whilst handling the paperwork and negotiations on your behalf, making the process smoother and more efficient.

Car loans

We all love that new car smell but not everyone can buy a new car upfront. We can negotiate with over 20 banks and lenders to find a competitive car loan suited to you.

Personal loans

Want to go on a holiday, pay for a course or buy some new furniture but need a personal loan to get you the extra funds you need? We can find the right personal loan solution for you.

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Our loan process

1. Say hello

It all starts with an initial hello conversation. We'll talk about your homeownership goals, financial situation, and preferences.

1. Say hello

2. Finding the right loan

Once we know what you need, we’ll research 60 banks and lenders to provide loan recommendations best suited to your needs.

2. Finding the right loan

3. Getting your approval

Now we’ll do the heavy lifting to get your application approved - we deal with the banks so you don’t have to.

3. Getting your approval

4. Approval moment

Approved! While you pop the champagne, we’ll keep track of your application to ensure everything runs smoothly.

4. Approval moment

5. Settlement - your big day!

Get excited, it's time for settlement. Sit back and enjoy the moment, we'll let you know when everything is finalised and your lender has released the funds.

5. Settlement - your big day!

6. Together for the long haul

Your loan journey doesn’t stop here. We’ll check in regularly to ensure you stay on track with your goals and that your loan remains competitive.

6. Together for the long haul

What makes us different?

 

   

  • Your own personal, non-bank affiliated loan expert
  • Free for you
  • We work in your best interests (we're not owned by a bank)
  • Fast turnaround times
  • Access to over 60+ banks and lenders in one place
  • Ongoing support and guidance once your loan has settled

Wealth Health Co.

  • Your own personal, non-bank affiliated loan expert Y
  • Free for you Y
  • We work in your best interests (we're not owned by a bank) Y
  • Fast turnaround times Y
  • Access to over 60+ banks and lenders in one place Y
  • Ongoing support and guidance once your loan has settled Y
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Banks and lenders

  • Your own personal, non-bank affiliated loan expert N
  • Free for you Y
  • We work in your best interests (we're not owned by a bank) N
  • Fast turnaround times N
  • Access to over 60+ banks and lenders in one place N
  • Ongoing support and guidance once your loan has settled N

Have questions?

Frequently asked questions

Navigating through the loan process can raise a number of questions. Luckily for you, we’ve got you covered.

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A mortgage broker (like me) acts as the middleman between you and the lenders/banks. We work for you but get paid by the lender or bank of your choosing. That means they help you choose the right loan to suit your needs at no cost to you.

In almost all scenarios you are not required to pay a fee for our services. Instead, we’re paid a commission by the lender you choose through. Get in touch if you have any questions.

There are many grants that are available for those wanting a home loan and the options differ from state to state. To find out what grants you are eligible for, get in touch.

Some of the costs you’d expect to pay include discharge, application and settlement fees so you need to be sure the long term savings outweigh the upfront cost. To find out how much you can save by refinancing your loan, give us a call.

Typically lenders ask for 20% of the total house price before they’ll consider giving you a loan but there are a number of ways around this. Some lenders will accept a smaller deposit but it’s likely that you’ll need to pay Lenders Mortgage Insurance (LMI). There might also be grants that you can take advantage of. Get in touch to chat about your options.

Of course! Borrowing capacity refers to how much you can borrow from a lender. To get an estimate of your borrowing capacity go to our calculator: How much can I borrow? If you want to get an in depth review of your borrowing capacity, get in touch today.

There are several fees that often aren’t discussed in length when buying a property. These include stamp duty, application fees, pest and building inspections and more. Get in touch with a broker today for an up-front conversation about all the hidden fees. 

With over 60 lenders, you and I are spoiled for choice. I narrow my search down through talking to you about your wants and needs. I will show you your options, listing the pros and cons of each loan and ultimately we will come to a decision together.

Asset finance is usually set over a period of one year through to seven years.

A residual amount (sometimes referred to as a balloon payment) is a one-off payment at the end of the loan term. This is factored into the total cost of your loan at the beginning of the term.