Understand your options.
Plan your next move.
From your first home to specialist property lending, explore how Aussie Wealth Group can support your finance conversation.
Book a free conversation ↗
What would you like to explore?
Choose a service to see how it works, what we discuss and how to prepare.
Home loans & first-home buyersYour first home or your next move.Explore service →
RefinancingReview your loan, costs and options.Explore service →
Property investment lendingBring your property and finance plans together.Explore service →
SMSF lendingSpecialist lending for your super strategy.Explore service →
Construction financeFinance for your building journey.Explore service →
Commercial property financePremises and property for business.Explore service →
Asset financeVehicles and equipment for your next step.Explore service →
Debt consolidationA clearer view of your commitments.Explore service →
Home loans & first-home buyers
A home loan built around your next move.
Whether you are buying your first home, moving to a larger place or downsizing, the right lending conversation starts with how you live and what you can comfortably manage.
What we work through
- Your deposit, income, regular expenses and existing commitments
- Fixed, variable or split loan options and their trade-offs
- Principal and interest repayments, loan term and ongoing costs
- Whether features such as offset or redraw fit your circumstances
How we can help
We help you understand lending options, prepare the information needed for assessment and work through the application and settlement process.
Prepare for your conversation
Start with identification, recent income documents, a savings summary and details of existing debts. The exact documents depend on your circumstances and the lender.
Refinancing
Does your current loan still fit your life?
A refinance can be an opportunity to review your interest rate, features or lending structure. We look at the proposed change alongside the costs of switching and your remaining loan term.
What we work through
- Your current balance, rate, repayments and remaining term
- Loan features you use and the features you actually need
- Discharge, application and any fixed-rate break costs
- Whether the overall benefit outweighs the costs of switching
How we can help
We help compare options and explain the steps involved in moving your loan, including the documentation and lender assessment.
Prepare for your conversation
Bring a recent mortgage statement, details of your current loan features and a clear idea of what you want to improve.
Property investment lending
Connect your property plans with your lending strategy.
Buying an investment property involves more than securing a loan. Your lending needs should be considered alongside cash flow, existing commitments and the costs of owning a property.
What we work through
- Your investment objectives and current lending position
- Deposit or equity options, subject to lender assessment
- Repayment structure and what happens after an interest-only period
- Cash-flow allowances for vacancies, maintenance and other expenses
How we can help
We help you explore the finance side of an investment purchase and understand the application process. Property selection, tax and investment suitability should be discussed with the appropriate advisers.
Prepare for your conversation
Prepare details of existing properties and loans, income documents, your proposed purchase budget and any available rental information.
SMSF lending
Specialist lending for a carefully considered super strategy.
A self-managed super fund may be able to borrow to acquire an eligible asset through a limited recourse borrowing arrangement (LRBA). This is a specialist area with strict superannuation rules and additional documentation.
What we work through
- The proposed property and whether the lending pathway is available
- Fund cash flow, loan repayments and property expenses
- Lender requirements and the fund and holding-trust documentation
- Coordination with your SMSF accountant, licensed financial adviser and solicitor
How we can help
We can discuss lending requirements and the finance process with your professional advisers. Advice on setting up an SMSF, investing super or tax outcomes needs appropriately qualified specialists.
Prepare for your conversation
Have your adviser review the proposed structure before you sign a property contract. Fund documents, financial statements and contribution information may be required.
Construction finance
Plan the finance alongside your build.
Building a home or undertaking a major construction project can involve a different lending process from purchasing an established property. Early planning helps you understand the documents, timing and funding requirements.
What we work through
- Your project budget, land position and proposed building contract
- Lender requirements for plans, approvals and builder information
- How progress payments are managed under the proposed loan
- Your allowance for changes, delays and unexpected project costs
How we can help
We help you discuss the project with lenders and understand the proposed funding process from application through the build.
Prepare for your conversation
Gather available land details, plans, approvals, builder information and a proposed contract or cost breakdown. Requirements vary by lender.
Commercial property finance
Finance conversations for business and commercial property.
Whether you are considering premises for your business or a commercial investment, the lending assessment needs to reflect the property, intended use and financial position of the borrower.
What we work through
- Property type, intended use and proposed purchase structure
- Business financial information and existing commitments
- Lease information where relevant to the proposed property
- Deposit, security, loan term and repayment requirements
How we can help
We help you identify the information needed for a commercial lending discussion and work through the available financing pathway.
Prepare for your conversation
Prepare business financial statements, details of existing debts and any available contract or lease information. Tax and legal advisers can assist with the purchase structure.
Asset finance
A clearer path to the vehicles and equipment you need.
Finance for a vehicle, equipment or another business asset should be considered alongside its intended use, the purchase cost and your capacity to meet the repayments.
What we work through
- The asset, its price and whether it is for business or personal use
- Your income or business position and existing commitments
- Repayment term, fees and any proposed final balloon payment
- Ownership arrangements and the total amount payable
How we can help
We help you explore financing options and explain the information required for an application.
Prepare for your conversation
Bring the asset quotation and details of your income or business financial position. Confirm any tax treatment with your accountant.
Debt consolidation
Review the whole debt picture.
Combining debts into one loan may simplify repayments, but the interest rate, fees, security and loan term all affect the outcome. We start by looking at what you owe and why you want to make a change.
What we work through
- Balances, rates and fees on your existing debts
- The total cost of the proposed replacement loan
- Whether unsecured debts would become secured against your home
- A repayment plan that addresses the debts over an appropriate timeframe
How we can help
We help you understand potential lending options and the costs involved, rather than focusing only on the size of the monthly repayment.
Prepare for your conversation
List each debt, its balance, repayment, rate and remaining term. Bring recent statements and details of your household budget.
Before we talk.
Can we arrange an appointment outside Melbourne?
Yes. Aussie Wealth Group is Melbourne-based and serves clients across Australia through remote appointments.
Do I need to know exactly which loan I want?
No. Start with your goals and current circumstances. The first conversation helps clarify what information is needed and which lending questions to explore.
Can you guarantee loan approval?
No. Every application is subject to the lender’s assessment, eligibility criteria and approval conditions.
Will an SMSF loan conversation include super or tax advice?
The lending conversation covers finance requirements. Advice on superannuation strategy, investment suitability, tax and legal structure needs the appropriate licensed or qualified advisers.
Let’s talk about your plans.
Start with a free conversation with Michael Williams.
Melbourne based. Australia wide.