95% LVR Non-Genuine Savings: We've pioneered access to lenders who offer up to 95% LVR to applicants with non-genuine savings. While these options entail stricter guidelines, higher rates and fees, they open doors for owner-occupied purchases.

Company Titles: We've aligned with lenders who accommodate company titles, some even extending to 85% LVR.

Constructing 4 Dwellings on a Single Title: We have helped clients find lenders who are willing to finance the construction of 4 dwellings on a single title.

Home Loans for Doctors: We have helped doctors find lenders who offer special discounts and benefits, such as lower interest rates and LMI waivers for LVRs up to 90%.

Hybrid trusts: Hybrid Trusts may have fantastic asset and taxation benefits but they have limitations when it comes to the choice of lender. Only a handful of lenders will lend to Hybrid Trust entities. You also need to ensure that the LVR is under 80%.

Over 55’s Dwellings: These are units that only allow for the over 55 years of age occupancy. As such financing can be difficult due to the limited market for these dwellings.

Properties that Have a Church: There are many properties that have a unused church on them. Lenders will accept these properties however it is at a much lower LVR. A few lenders will lend up to 60% LVR and the property must be zoned residential.

Lenders classify these properties as “specialised securities”.

Serviced apartments: Serviced Apartments are risky investments. Why? Because of the following reasons:

1. Lenders have massive restrictions by way of LVR and policy
2. Valuations fluctuate normally due to a lack of comparable sales
3. Capital Growth is limited due to the above points

Some lenders have further restrictions whereby they will not lend if the Serviced Apartment (SA) does not allow for the owner to reside within the unit. All lenders will require that the SA be fully contained which means kitchen and bathroom.