My difference: You get the analytical rigour of a CPA, not just a broker who knows the forms. And the lenders foot the bill. We read the numbers behind the numbers — serviceability, structure, tax implications — so you can borrow with genuine confidence.

Pre-Approval / Buying your home

Whether you're a first buyer or upsizing, I'll help you understand your true borrowing capacity, compare structures, and lock in a rate that fits your budget.

Refinancing - Switch & save

If your loan is more than two years old, there's a good chance you're overpaying. I'll review your current rate, calculate real break costs, and show you whether switching actually delivers a net benefit.

Property investment

Grow your property portfolio with the right lending structure. Investment loans have different serviceability rules — I'll partner with your accountant to help you understand tax implications (interest deductibility, negative gearing) alongside loan strategy.

Buying a car should be exciting, not stressful. Through our car buying service, we handle the negotiation with dealers on your behalf — accessing fleet pricing across 1,300+ dealerships nationally and delivering your new vehicle straight to your door. Full Start to Delivery service.

Pair that with a competitive car loan (or novated lease) structured to suit your budget, and we take care of the entire journey, start to finish.

Residential property inside your SMSF

A Limited Recourse Borrowing Arrangement allows your SMSF to borrow to purchase a single asset — typically residential or commercial property. The lender's recourse is limited to that asset, protecting the rest of your fund. This is a specialised area and lender options are fewer than standard mortgages.

CPA advantage: SMSF borrowing sits at the intersection of superannuation law, trust structures, and tax. Having a broker who also understands accounting means your lending strategy and fund strategy work together — not at cross purposes.

Commercial property in super

Your SMSF can purchase the premises your own business occupies — one of the most effective legal tax strategies available to small business owners. Rent paid by your business becomes a super contribution, compounding in a concessional tax environment.

Key consideration: Property must be acquired and maintained at arm's length market value. Compliance is non-negotiable — I coordinate closely with your SMSF auditor and accountant.

Are multiple credit cards and personal loans draining your cash flow? I'll model whether rolling everything into a single loan reduces your total interest burden — not just your monthly payment.

Honest advice: Consolidation only helps if you don't re-accumulate the old balances. I'll walk you through the full picture.

For holidays, medical costs, or life events where there's no asset to secure against. Rates are higher, so I'll help you compare lenders and ensure the repayments genuinely fit your income.

Key consideration: Comparison rate vs headline rate — fees often make the real cost much higher than advertised.

Asset & equipment finance

Hire purchase, chattel mortgage, or finance lease — each has different tax and cash flow outcomes. With my accounting background, I'll partner with your accountant to help you pick the structure that optimises your position, not just the rate.

Tax note: Instant asset write-off eligibility and GST treatment vary by structure. Worth getting right from the start and can often assist with GST cashflow.

Buy your premises

Stop paying rent on your business premises. Commercial property loans work differently from residential — LVRs are tighter and lender appetite varies widely by property type and location.

Key consideration: Keeping business and personal security separate protects your family home. I'll structure it carefully.

Working capital

Manage the gap between invoices and payments with an overdraft, line of credit, or invoice financing facility. I understand business financials — I'll structure a facility around your actual operating cycle.

Key consideration: Revolving facilities give flexibility; term loans give predictability. The right choice depends on your revenue pattern.