Your Clear Path to Property

Whether it’s your first home, an investment, or your forever home, we’ll guide you with clear advice and personal support through every stage of the journey.

Buying property is one of life’s biggest moves. Whether you’re just getting started or you're expanding your portfolio, we’ll simplify the process and help you make confident, informed decisions.

Starting Fresh: Buying Your First Home

Buying your first home is a massive milestone – and it can be a little daunting.

We’ll walk you through your borrowing power, available grants, loan options and lender policies. We break down the process so it’s easy to understand, and we’ll stay by your side from pre-approval to the day you get your keys.

How do I qualify for the First Home Owner Grant?

Each state has different criteria, but most require you to be a first-time buyer purchasing a new or substantially renovated property. We’ll help you check your eligibility and apply.

Can I use my parents as guarantors?

Yes! A guarantor can help reduce your deposit requirements or to avoid lenders mortgage. We’ll make sure it’s structured in a way that protects everyone involved.

What upfront costs should I expect?

Beyond your deposit, factor in stamp duty, legal fees, loan application fees, and inspections. We’ll give you a full breakdown upfront. We can also recommend our trusted partners in each of these areas to assist.

Should I get pre-approved before house hunting?

Absolutely. Pre-approval helps you know your budget, strengthens your offer, and makes the process faster once you find the one. Also, real estate agents prefer clients with pre-approvals already done.

In the Move: Buying Your Next Home

Whether you’re upgrading, downsizing, or relocating, we’ll handle the complexity of selling and buying simultaneously.

We can help you access bridging finance, work out your equity position, and secure a smooth transition into your next home.

What is bridging finance and how does it work?

It’s a short-term loan that covers the gap between buying your new home and selling your existing one. We’ll help assess whether it’s right for you.

Can I buy before I sell?

You can – if your financial position supports it. We’ll help you weigh up the pros, cons and risks, and structure your finance accordingly.

Will I need to pay stamp duty again?

Yes, but you may be eligible for concessions depending on your state and circumstances. We’ll help you work out the numbers.

How do I access equity in my current home?

Through refinancing or a line of credit. We’ll help you calculate your usable equity and recommend the best way to unlock it.

Time for an Upgrade: Refinancing Made Easy

Refinancing could reduce your monthly repayments, shorten your loan term or help you access cash for renovations or investing.

We’ll review your current loan, compare what’s out there, and manage the switch so it’s hassle-free and in your best interest.

How often should I review my home loan?

Every 1–2 years or whenever your goals change. A quick check-in could save you thousands.

Are there exit fees for refinancing?

Not usually for variable loans, but fixed-rate loans might have break costs. We’ll crunch the numbers before you commit.

Can I switch lenders without reapplying from scratch?

You’ll still need to apply, but we handle the admin and make the transition seamless.

Is refinancing the best way to fund a renovation?

It can be! Especially if you have equity. We’ll also explore other options like redraw or construction loans.

Building Wealth: Smart Property Investment

We help new and seasoned investors build smart portfolios with the right structure from day one.

From interest-only loans to leveraging equity, we’ll work closely with your accountant or advisor to maximise returns and long-term potential.

Should I buy in my name or through a trust or company?

It depends on your tax position and long-term plans. We’ll help you explore the pros and cons of each.

What is negative gearing and how does it work?

Negative gearing means your expenses exceed your rental income, creating a tax-deductible loss. We can guide you through how it affects your strategy.

Can I use equity from my home to invest?

Absolutely. Many investors use their existing equity as a deposit for a new property.

How much deposit do I need for an investment property?

Typically 10–20%, but with strong equity or rental projections, some lenders will consider less.

From the Ground Up: Construction Loans

Planning a custom build?

Construction loans can be complex, with progressive drawdowns, approvals and council timelines. We make sure the finance side runs smoothly, so you can focus on floor plans instead of forms.

What’s the difference between a construction loan and a regular loan?

A construction loan releases funds in stages as your build progresses. You only pay interest on what’s drawn down.

How are progress payments made?

Payments are made to your builder after each construction stage is certified. We manage this process with the lender.

Can I get finance before finalising my builder?

Yes, but full approval usually requires a signed building contract and plans.

Do I need council approvals before applying?

It’s not required for pre-approval, but lenders will need final council-approved plans before final loan approval

Super Strategy: SMSF Finance

With SMSF lending, getting the structure right is critical. We’ll help you explore whether property through super is the right move and connect you with SMSF-friendly lenders that suit your long-term financial goals.

What type of properties can I buy through my SMSF?

Residential or commercial properties are both possible, provided they meet strict SMSF investment rules. We’ll guide you through what qualifies.

Can I live in a property bought with SMSF funds?

No. Properties purchased via your SMSF must be for investment purposes only and cannot be lived in by you or any related party.

What are the risks of borrowing through super?

Risks include limited cash flow, loan restrictions, and compliance obligations. We’ll help you understand the trade-offs and ensure it aligns with your goals.

How do repayments work within my fund?

Your SMSF will make loan repayments using rental income or contributions. We help you structure the loan so your fund remains compliant and cash-flow positive.

Tailored for You: Doctor Home Loans

Doctors often have access to exclusive lending products with higher LVRs and waived LMI. We know how to package your application to maximise your benefits – even with unusual income structures like locum or specialist work.

What benefits are available specifically to medical professionals?

Waived LMI, lower rates, and higher borrowing capacity are just a few perks available to doctors. We’ll help you access them.

Can I qualify while still in training or residency?

Yes – many lenders accept future income letters or base lending decisions on your expected salary.

Are lenders more flexible with variable income?

Absolutely. We work with lenders experienced in servicing clients with mixed income, including shift work or private billings.

How do I prove income from multiple clinics?

We’ll guide you through compiling contracts, payment summaries or bank statements to present a strong application.

For Legal Minds: Lawyer Home Loans

As a legal professional, you may qualify for tailored products with premium features. Whether you’re on a graduate wage or partner track, we’ll align your finance strategy with your career progression.

What documentation do I need as a newly qualified lawyer?

Most lenders accept employment contracts or confirmation of clerkship for new legal professionals.

Will lenders count bonus or clerkship income?

Many lenders will consider these if they’re consistent or part of your standard package. We’ll help present your full income position clearly.

Do legal professionals qualify for waived LMI?

Yes, many lenders offer this for eligible lawyers. We’ll match you with those who do.

Can I access preferential rates as a solicitor or barrister?

Definitely. We’ll source lenders who offer special rates and packages for your profession.

Winning Finance: Athlete Home Loans

Athletes often face lending challenges due to variable income or contract terms. We work with lenders who understand your unique financial profile and can offer flexible, athlete-friendly solutions that support your long-term goals.

Can I get a loan if I’m on a short-term contract?

Yes – some lenders understand the nature of athletic careers and offer flexibility around contract terms.

Will prize money or endorsements count as income?

Depending on the lender, yes. We’ll help you provide the right evidence to include all income streams.

What happens if I change clubs or locations?

We’ll work with lenders who are familiar with the mobility of athletic careers and won’t penalise career moves.

Can I get finance post-career or during transition?

Yes – especially with the right financial backing and future planning. We help structure lending based on what’s next.

Smart Access: Asset Finance

If your new home needs a new car, or you or your business needs equipment, machinery etc, asset finance offers a smart way to access what you need while preserving cash flow. We’ll guide you through options and match you with competitive offers.

What can I finance through asset finance?

Vehicles, machinery, IT equipment, office fit-outs and more. We’ll tailor it to your needs.

How fast is the approval process?

In many cases, within 24–48 hours. We’ll move quickly so you can too.

Can I use asset finance for used equipment or vehicles?

Yes – many lenders allow second-hand assets with proper documentation.

Is asset finance tax deductible?

Often yes, depending on how the asset is used in your business. We’ll help coordinate with your accountant.

Alternative Options: Low Doc Loans

Self-employed borrowers often don’t tick the traditional paperwork boxes. We help you access lenders who accept alternative income verification – like BAS statements or bank records – without compromising on a competitive rate.

What documents do I need for a low doc loan?

Typically BAS statements, business bank statements, or an accountant’s letter. We’ll guide you through what’s needed.

Are rates higher on low doc loans?

Slightly, but they’ve become much more competitive. We’ll make sure you get the best deal available.

Can I refinance a low doc loan later?

Absolutely. Once you have full financials, we can transition you into a traditional loan.

Do I still qualify for lender cashback offers?

In some cases, yes – depending on the lender and promotion. We’ll help you find the right opportunities.

Pick your journey

Starting Fresh: Buying Your First Home

Buying your first home is a massive milestone – and it can be a little daunting.

How do I qualify for the First Home Owner Grant?

Each state has different criteria, but most require you to be a first-time buyer purchasing a new or substantially renovated property. We’ll help you check your eligibility and apply.

Can I use my parents as guarantors?

Yes! A guarantor can help reduce your deposit requirements or to avoid lenders mortgage. We’ll make sure it’s structured in a way that protects everyone involved.

What upfront costs should I expect?

Should I get pre-approved before house hunting?

In the Move: Buying Your Next Home

Whether you’re upgrading, downsizing, or relocating, we’ll handle the complexity of selling and buying simultaneously.

We can help you access bridging finance, work out your equity position, and secure a smooth transition into your next home.

What is bridging finance and how does it work?

It’s a short-term loan that covers the gap between buying your new home and selling your existing one. We’ll help assess whether it’s right for you.

Can I buy before I sell?

You can – if your financial position supports it. We’ll help you weigh up the pros, cons and risks, and structure your finance accordingly.

Will I need to pay stamp duty again?

Yes, but you may be eligible for concessions depending on your state and circumstances. We’ll help you work out the numbers.

How do I access equity in my current home?

Through refinancing or a line of credit. We’ll help you calculate your usable equity and recommend the best way to unlock it.

Time for an Upgrade: Refinancing Made Easy

Refinancing could reduce your monthly repayments, shorten your loan term or help you access cash for renovations or investing.

We’ll review your current loan, compare what’s out there, and manage the switch so it’s hassle-free and in your best interest.

How often should I review my home loan?

Every 1–2 years or whenever your goals change. A quick check-in could save you thousands.

Are there exit fees for refinancing?

Not usually for variable loans, but fixed-rate loans might have break costs. We’ll crunch the numbers before you commit.

Can I switch lenders without reapplying from scratch?

You’ll still need to apply, but we handle the admin and make the transition seamless.

Is refinancing the best way to fund a renovation?

It can be! Especially if you have equity. We’ll also explore other options like redraw or construction loans.

Building Wealth: Smart Property Investment

We help new and seasoned investors build smart portfolios with the right structure from day one.

From interest-only loans to leveraging equity, we’ll work closely with your accountant or advisor to maximise returns and long-term potential.

Should I buy in my name or through a trust or company?

It depends on your tax position and long-term plans. We’ll help you explore the pros and cons of each.

What is negative gearing and how does it work?

Negative gearing means your expenses exceed your rental income, creating a tax-deductible loss. We can guide you through how it affects your strategy.

Can I use equity from my home to invest?

Absolutely. Many investors use their existing equity as a deposit for a new property.

How much deposit do I need for an investment property?

Typically 10–20%, but with strong equity or rental projections, some lenders will consider less.

From the Ground Up: Construction Loans

Planning a custom build?

Construction loans can be complex, with progressive drawdowns, approvals and council timelines. We make sure the finance side runs smoothly, so you can focus on floor plans instead of forms.

What’s the difference between a construction loan and a regular loan?

A construction loan releases funds in stages as your build progresses. You only pay interest on what’s drawn down.

How are progress payments made?

Payments are made to your builder after each construction stage is certified. We manage this process with the lender.

Can I get finance before finalising my builder?

Yes, but full approval usually requires a signed building contract and plans.

Do I need council approvals before applying?

It’s not required for pre-approval, but lenders will need final council-approved plans before final loan approval

Super Strategy: SMSF Finance

What type of properties can I buy through my SMSF?

Residential or commercial properties are both possible, provided they meet strict SMSF investment rules. We’ll guide you through what qualifies.

Can I live in a property bought with SMSF funds?

No. Properties purchased via your SMSF must be for investment purposes only and cannot be lived in by you or any related party.

What are the risks of borrowing through super?

Risks include limited cash flow, loan restrictions, and compliance obligations. We’ll help you understand the trade-offs and ensure it aligns with your goals.

How do repayments work within my fund?

Your SMSF will make loan repayments using rental income or contributions. We help you structure the loan so your fund remains compliant and cash-flow positive.

Tailored for You: Doctor Home Loans

What benefits are available specifically to medical professionals?

Waived LMI, lower rates, and higher borrowing capacity are just a few perks available to doctors. We’ll help you access them.

Can I qualify while still in training or residency?

Yes – many lenders accept future income letters or base lending decisions on your expected salary.

Are lenders more flexible with variable income?

Absolutely. We work with lenders experienced in servicing clients with mixed income, including shift work or private billings.

How do I prove income from multiple clinics?

We’ll guide you through compiling contracts, payment summaries or bank statements to present a strong application.

For Legal Minds: Lawyer Home Loans

What documentation do I need as a newly qualified lawyer?

Most lenders accept employment contracts or confirmation of clerkship for new legal professionals.

Will lenders count bonus or clerkship income?

Many lenders will consider these if they’re consistent or part of your standard package. We’ll help present your full income position clearly.

Do legal professionals qualify for waived LMI?

Yes, many lenders offer this for eligible lawyers. We’ll match you with those who do.

Can I access preferential rates as a solicitor or barrister?

Definitely. We’ll source lenders who offer special rates and packages for your profession.

Winning Finance: Athlete Home Loans

Can I get a loan if I’m on a short-term contract?

Yes – some lenders understand the nature of athletic careers and offer flexibility around contract terms.

Will prize money or endorsements count as income?

Depending on the lender, yes. We’ll help you provide the right evidence to include all income streams.

What happens if I change clubs or locations?

We’ll work with lenders who are familiar with the mobility of athletic careers and won’t penalise career moves.

Can I get finance post-career or during transition?

Yes – especially with the right financial backing and future planning. We help structure lending based on what’s next.

Smart Access: Asset Finance

What can I finance through asset finance?

Vehicles, machinery, IT equipment, office fit-outs and more. We’ll tailor it to your needs.

How fast is the approval process?

In many cases, within 24–48 hours. We’ll move quickly so you can too.

Can I use asset finance for used equipment or vehicles?

Yes – many lenders allow second-hand assets with proper documentation.

Is asset finance tax deductible?

Often yes, depending on how the asset is used in your business. We’ll help coordinate with your accountant.

Alternative Options: Low Doc Loans

What documents do I need for a low doc loan?

Typically BAS statements, business bank statements, or an accountant’s letter. We’ll guide you through what’s needed.

Are rates higher on low doc loans?

Slightly, but they’ve become much more competitive. We’ll make sure you get the best deal available.

Can I refinance a low doc loan later?

Absolutely. Once you have full financials, we can transition you into a traditional loan.

Do I still qualify for lender cashback offers?

In some cases, yes – depending on the lender and promotion. We’ll help you find the right opportunities.

Pick yours

Let’s Talk

Book a free consult and tell us what you’re trying to achieve.

We’ll Get to Know You

We go beyond numbers. We’ll review your goals, income, and future plans.

Tailored Lending Plan

We present a smart strategy and loan options that actually suit you.

We Do the Legwork

From application to approval, we chase the bank, not you.

You Settle In

Loan approved, property secured, next chapter unlocked.

Why Choose Finance Lane for Residential Lending?

We speak home lending fluently.

From first-time buyers to seasoned investors, we know how to structure residential loans that work in the real world.

Real-life experience.

With over 21 years in the industry, we’ve helped hundreds of Australians turn finance into freedom – no stress, no guesswork.

More than banks.

We compare over 60 lenders so you get the best product – not just the one your bank is pushing.

Fast approvals, less stress.

We know how to prep your application to get it across the line faster.

Support that sticks around.

From pre-approval to post-settlement, we’re here to answer questions and map out your next move.

You’re more than a number.

We treat your goals like they’re our own – and we’ll go the extra mile to help you achieve them.

Why Choose Finance Lane for Residential Lending?

We speak home lending fluently.

From first-time buyers to seasoned investors, we know how to structure residential loans that work in the real world.

Real-life experience.

With over 21 years in the industry, we’ve helped hundreds of Australians turn finance into freedom – no stress, no guesswork.

More than banks.

We compare over 60 lenders so you get the best product – not just the one your bank is pushing.

Fast approvals, less stress.

We know how to prep your application to get it across the line faster.

Support that sticks around.

From pre-approval to post-settlement, we’re here to answer questions and map out your next move.

You’re more than a number.

We treat your goals like they’re our own – and we’ll go the extra mile to help you achieve them.

Loan Calculator

Crunch the numbers like a pro

Buying, refinancing or just curious? Our easy-to-use calculators help you plan smarter, faster. Know your borrowing power, repayments and more – no guesswork needed.

What people are saying...

Let’s Find the Right Loan. Together.

Buying, building, or refinancing? We’ll tailor a solution that’s as strategic as it is stress-free. Book your free consult now and take the next step with confidence.

Got Questions? We’ve Got You.

Finance can feel like a maze - we’re here to make it make sense. Whether you’re buying your first home or scaling your business, these answers will help clear the fog. Still unsure? Let’s chat it through.

Do I need to have a 20% deposit to get a home loan?

Not necessarily. While a 20% deposit avoids Lender’s Mortgage Insurance (LMI), there are options with as little as 5% down. We’ll help you navigate what’s best based on your situation.

What is Lender’s Mortgage Insurance (LMI)?

LMI is a fee charged when your deposit is under 20%. It protects the lender, not you, but we can often help you avoid it or reduce the impact through specific loan structures or profession-based waivers.

How much can I borrow?

It depends on your income, expenses, credit history, and current financial commitments. We use detailed tools and lender calculators to give you a realistic, tailored figure.

How long does it take to get approved?

If your documentation is ready, pre-approval can happen within 1–3 business days. Full approval after a purchase usually takes 5–7 business days, depending on the lender.

Your Clear Path to Property

Buying property is one of life’s biggest moves. Whether you’re just getting started or you're expanding your portfolio, we’ll simplify the process and help you make confident, informed decisions.

Starting Fresh: Buying Your First Home

Starting Fresh: Buying Your First Home

Let’s Talk

We’ll Get to Know You

Tailored Lending Plan

We Do the Legwork

You Settle In

Why Choose Finance Lane for Residential Lending?

Why Choose Finance Lane for Residential Lending?

Crunch the numbers like a pro

What people are saying...

Let’s Find the Right Loan. Together.

Got Questions? We’ve Got You.

Finance can feel like a maze - we’re here to make it make sense. Whether you’re buying your first home or scaling your business, these answers will help clear the fog. Still unsure? Let’s chat it through.

Crunch the numbers like a pro