Home Loans in the Tablelands

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Pre-approval

We help you get pre-approved so you can understand how much you may be able to borrow before making an offer. Pre-approval involves reviewing your income, savings, expenses and credit history to give you a clear borrowing limit. It’s not a final approval, but it gives you confidence while searching for a home. Most pre-approvals last between 60 and 90 days, and we can help you renew if needed.

Bridging Loans

If you're buying before selling, we can assist with a bridging loan to cover the short-term gap. This type of finance allows you to secure a new property while your current one is on the market. We’ll walk you through the structure, which usually involves interest-only payments until settlement. We assess your equity, loan requirements and timeframe to help determine if bridging finance is right for you.

Self Managed Super Funds

We support clients using their Self Managed Super Fund (SMSF) to invest in property through a limited recourse borrowing arrangement. This is a highly regulated process and must meet strict compliance standards under superannuation law. We’ll guide you through the required documentation and help ensure the structure is properly set up. If you're considering SMSF property investment, we recommend discussing your plans with a financial adviser before proceeding.

Construction Loans

If you’re building or undertaking major renovations, we can assist with a construction loan that’s paid out in stages as work progresses. You only pay interest on what’s been drawn down at each stage—slab, frame, lock-up, and completion. We’ll work with you to collect all required documents, including fixed-price building contracts, council approvals and builder invoices, to support a smooth approval process from start to finish.

Debt Consolidation

Combining multiple debts into one loan can reduce interest costs and simplify your budget. We assist with structuring a debt consolidation loan that aligns with your income and financial goals, and we’ll help you understand any long-term implications before committing. This option is often used to manage credit cards, personal loans, or payday loans more effectively.

We assess your existing debt position, calculate your new repayment schedule, and explain any risks like extending your loan term or increasing interest. Our goal is to help improve your financial position, not just move debt around.

Borrowing Capacity

Understanding how much you can borrow is essential before applying for a loan. We help you calculate your borrowing capacity based on your income, expenses, credit score, and current liabilities, so you can make confident financial decisions from the start. We also show you how different loan terms and interest rates may impact your monthly repayments. If your borrowing power is lower than expected, we’ll walk through practical steps to improve your application, such as reducing other debts or correcting errors in your credit history.

Loan Repayments / Stamp Duty

We’ll break down what your loan repayments will look like based on term, rate, and structure, and explain other potential costs—like stamp duty if applicable. Our goal is to make sure there are no surprises as you move forward with your loan. We help you factor in all ongoing costs and one-off fees so you know your total out-of-pocket expense. We can also walk you through online calculators, repayment buffers and prepayment options to give you more control and clarity around your financial planning.

Frequently Asked Questions