What costs are involved in switching?
Possible discharge, settlement and government fees, plus any break costs if you’re fixed. We’ll tally the numbers before you decide.
FAQ’s
When does refinancing make sense?
When pricing, product features or structure no longer suit your goals — or when your fixed term expires. We benchmark...
Can I borrow if my latest year income dipped?
Some lenders average 2 years; others use the lower/higher year with commentary. Others require just 1 year of financials. We...
How long do I need to have been in business?
Many lenders want 2 years; some consider new business with strong evidence. Policy varies.
My taxable income is low due to deductions — can I still borrow?
Potentially. Lenders assess verified income, but some allow add‑backs or alternate verification. We’ll find the best fit.
What if haven’t done my tax returns?
Alternative‑doc pathways exist. Some of my 30+ lenders specialize in what the ‘majors’ don’t touch.
What income evidence do I need?
Commonly: last 2 years’ tax returns/NOAs and sometimes BAS or financials.
Will rental income help my borrowing power?
Yes, subject to lender shading and expense assumptions. We run multi‑lender servicing to compare.
What about negative gearing?
We discuss cash‑flow impacts and serviceability, and recommend you obtain independent tax advice.
Can I buy in a SMSF, Trust or Company?
Yes — lending is possible with the right structure and documents. We’ll coordinate with your accountant.
