More than a home loan
We help you live the life you want.
We help everyday Australians get rid of debt and create wealth through an integrated advice model.
What is Integrated Advice?
To live the life you want you need to spend less than you make, get rid of bad debt quickly and then invest your surplus cash.We have partnered with experts in other specialties to make your dreams a reality.
- Mortgage broker – we help structure your lending with a competitive rate and features to accelerate debt reduction.
- Spending planner – helps with the banking structure and the timing of your expenses to maximise your surplus income.
- Financial planner – allocates your surplus cash to investments based on your risk appetite, protects your wealth, & models your wealth creation.
- Buyer’s agent – helps locate suitable investment properties with income & growth potential.
- Accountant – manages your tax affairs including deductible investment expenses & investment structure. Provides business planning & growth for self-employed clients.
- Real estate agent – helps with maximising your return when selling your property & can assist with rental management.
[trustindex data-widget-id=0feaab2313a4061fe336a05dfea]
The Process
Initial Chat
We will have a brief initial chat to make sure we can help you.
Strategy Call
We will have a deeper conversation around what your ultimate goals are (based on a discussion around your values). We will send a document to grab your important information.
Loan Strategy Paper
We will prepare a document that outlines the product that is best placed to help you achieve your goals.
Application
Once we have collected the documents requested by the chosen lender we will submit your application.
Settlement
We will follow up with the lender to ensure the smooth settlement of your loan.
Spending Planner - bank account setup (OPTIONAL)
While optional, we would recommend a meeting with a spending planner to establish your banking structure. The aim would be to automate your spending and savings plan and identify what surplus you have for rapid debt reduction and/or wealth creation.
Integrated Advice Referrals (OPTIONAL)
Another optional referral is to chat with a financial planner. They can ensure you are adequately protecting your biggest asset and advise on ways you can invest your identified surplus consistent with how much risk you are comfortable with. They will be able to model the growth of your wealth through your investment activity.
At this point, depending on what path you are looking to take we can introduce you to other relevant professionals in our network as necessary.
What Do We Do?
But how are we different?
Firstly, we have an approach that can help you eliminate your debt faster and grow your wealth sooner. Secondly, we find solutions for a wide range of people, to match their situation and needs. Some of the challenges our clients face include having:
- unusual or complicated income,
- insufficient financials for self-employed,
- unusual security,
- previous credit issues including arrears, defaults and even bankruptcy.
Why work with us
Great service and access to 80+ lenders is a given. On top of that, some reasons to work with us include:
- we get tough loans approved
- fast approval and an easy process
- our customers love us - see below
- access to niche lenders for unique and unusual deals
What clients say about our work
Wesley Toogood
Refinance ATO Debt
I worked with Adam on a difficult refinance for a client who was in significant financial crisis and refused a refinance both from her bank and 2 other brokers.
View case
Kush Naidu
Insufficient Financials
Due to covid I had a lot of challenges with my new business and I was struggling to settle my investment property and was in danger of losing my 10% deposit.
View caseBruce Clayton
Credit Impairment
I had a few declines from other banks and brokers. Adam was professional and offered us the best customer service. He took the time and got everything done!
View case