Variable home loan from 5.89% p.a.Comparison rate 5.92% p.a.2yr fixed 5.74% p.a.Marcus Reed · Principal Lending Advisor60+ lenders on one application$2.3B settled · 4,000+ loansVariable home loan from 5.89% p.a.Comparison rate 5.92% p.a.2yr fixed 5.74% p.a.Marcus Reed · Principal Lending Advisor60+ lenders on one application$2.3B settled · 4,000+ loans
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Services

Everything you need
to borrow well.

Thirteen lending services, one advisor, and a set of proper digital tools behind them. Whatever you're financing, the approach is the same — compare the whole market, structure it right, explain it plainly.

No direct cost on most home loans
Lender-paid, fully disclosed
60+ lenders, one application
Whole-of-market comparison
Approval in days, not weeks
For many straightforward files
Lending consultation
Lending services

Pick a service.
See exactly how I'd run it.

Filter by what you're after, then expand any service for the benefits, who it suits, and the process end to end.

Home loans

Owner-occupier finance, structured properly.

+

Your home loan is probably the biggest financial commitment you'll make. I structure it around your life and goals — not just the headline rate — and manage the whole process to settlement.

Key benefits

Whole-of-market comparison across 60+ lenders
Offset, redraw and split-loan structuring
Rate reviews built in for the life of the loan

Who it's for

Anyone buying or already owning the home they live in.

How I run it

Discovery & borrowing-power assessment
Whole-of-market comparison
Application & lender liaison
Approval to settlement, then annual review
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First home buyer

Grants, guarantees and a clear first step.

+

Buying your first home is daunting. I decode the grants, guarantees and low-deposit schemes you qualify for, and line them up into one clear path so it actually happens.

Key benefits

First Home Guarantee & low-deposit pathways
State grant and stamp-duty concession navigation
Genuine-savings and gifted-deposit structuring

Who it's for

First-time buyers, including those with a small deposit.

How I run it

Eligibility & grant check
Deposit & savings strategy
Pre-approval
Purchase, settlement & celebration
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Investment property

Lending tuned for building a portfolio.

+

Investors need structure as much as rate. I help with equity release, interest-only options and lender selection that keeps your borrowing capacity intact as your portfolio grows.

Key benefits

Equity release to fund the next purchase
Interest-only and offset strategies
Borrowing-capacity optimisation across lenders

Who it's for

Existing and aspiring property investors.

How I run it

Portfolio & equity review
Structure & lender strategy
Application & valuation management
Settlement & ongoing portfolio reviews
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Refinancing

A switch — only when it genuinely pays.

+

Refinancing isn't always the answer. I run a full health-check on your current loan and only recommend a switch when the savings are real after every cost, including break and exit fees.

Key benefits

Full rate and structure review
Cashback and break-cost analysis
Equity release for renovations or investing

Who it's for

Anyone with an existing loan that hasn't been reviewed lately.

How I run it

Current-loan health check
Whole-of-market re-pricing
Switch application & discharge
Settlement & savings confirmation
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Construction loans

Finance that funds each stage.

+

Building or doing a major renovation has its own rules. I arrange progressive-draw construction finance managed stage by stage, so funds are there exactly when your builder needs them.

Key benefits

Progressive drawdowns aligned to builder stages
Interest-only during construction
Fixed-price contract & valuation support

Who it's for

Anyone building new or undertaking a major renovation.

How I run it

Plans & contract review
Construction loan structuring
Stage-by-stage drawdown management
Completion & loan conversion
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Commercial property

Lending for premises and commercial assets.

+

Commercial lending works differently to residential. I navigate the higher deposits, shorter terms and lender appetite to fund your premises, office or commercial investment.

Key benefits

Owner-occupied and investment commercial property
Lease-doc and full-doc options
Specialist commercial lender access

Who it's for

Business owners and commercial property investors.

How I run it

Deal & serviceability assessment
Commercial lender matching
Application & valuation
Settlement & facility management
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Business finance

Working capital and growth funding.

+

From cash-flow facilities to acquisition funding, I help businesses access the right finance structure without tying up more security than necessary.

Key benefits

Working capital & overdraft facilities
Acquisition and expansion funding
Secured and unsecured options

Who it's for

Established businesses needing capital or cash-flow support.

How I run it

Business & cash-flow review
Facility structuring
Lender application
Drawdown & ongoing review
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Asset & equipment finance

Fund the gear without the cash hit.

+

Vehicles, machinery, fit-outs and technology — financed so you keep your capital working in the business instead of locked in depreciating assets.

Key benefits

Chattel mortgage, lease and hire-purchase
Balloon-payment structuring
Fast approvals on standard assets

Who it's for

Businesses acquiring vehicles, plant or equipment.

How I run it

Asset & usage assessment
Structure & tax consideration
Application & supplier liaison
Settlement & delivery
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Vehicle finance

Personal car loans, sharpened.

+

A car loan should be quick and competitive. I compare lenders to find a sharp rate and a structure that fits your budget, without the dealership markup.

Key benefits

Competitive personal car-loan rates
New and used vehicle finance
Pre-approval so you buy with confidence

Who it's for

Individuals buying a personal vehicle.

How I run it

Quick eligibility check
Lender comparison
Pre-approval
Purchase & settlement
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Debt consolidation

Simplify, and breathe again.

+

Multiple debts at different rates are expensive and stressful. Where it makes sense, I help consolidate them into one manageable facility — carefully, with the full cost laid out.

Key benefits

Consolidate cards, personal loans and more
One repayment, often at a lower rate
Full whole-of-life cost comparison first

Who it's for

Anyone juggling multiple high-interest debts.

How I run it

Debt & budget review
Suitability assessment
Consolidation application
Settlement & payout management
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Personal loans

Funding for life's bigger moments.

+

Renovations, weddings, a big purchase — a personal loan can bridge the gap. I find a fair rate and a term that won't stretch your budget.

Key benefits

Secured and unsecured personal loans
Fixed repayments for easy budgeting
Whole-of-market rate comparison

Who it's for

Individuals funding a one-off personal expense.

How I run it

Needs & budget conversation
Lender comparison
Application
Funding & settlement
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SMSF lending

Borrow to invest, inside super.

+

Self-managed super fund lending is highly specialised and tightly regulated. I work with the right lenders and your advisers to structure compliant limited-recourse borrowing.

Key benefits

Limited-recourse borrowing arrangements
Residential and commercial SMSF property
Coordination with your accountant & adviser

Who it's for

Trustees of a self-managed super fund (with advice).

How I run it

SMSF & strategy review with your advisers
Compliant structure & lender matching
Application & legal coordination
Settlement & ongoing compliance support
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The tools

Not widgets.
Proper product experiences.

The same institutional-grade tools I use on your file — so you're never in the dark about numbers or progress.

Repayment calculator

$3,294 /mo
Principal & interest over the selected term
Loan amount$600,000
Interest rate5.89%
Loan term30 yrs

Loan comparison

LenderRateComparisonMonthly
Lender A BEST FIT5.74%5.78%$3,210
Lender B5.84%5.91%$3,247
Lender C5.89%5.95%$3,294
Lender D6.04%6.12%$3,352

Illustrative only. I compare the full panel against your real profile.

Application tracker

Submitted
Assessed
3
Approved
4
Docs
5
Settled
Photo IDReceived
Payslips (last 2)Received
Bank statementsAwaiting
Signed loan offerAwaiting

Borrowing power

$842,000
Estimated maximum borrowing capacity
Household income (after tax)$11,000/mo
Living expenses$3,800/mo
Get my real number

A full borrower toolkit.

Stamp duty calculator

Estimate duty & concessions

Property cost estimator

Total upfront cost of buying

Extra repayment tool

See years & interest saved

Eligibility checker

A quick yes/maybe/not-yet

Rate comparison

Side-by-side across lenders

Document upload

Securely send what I need

Appointment booking

Grab a time that suits you

Resource library

Guides written in plain English

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Start here

Not sure which one
fits your situation?

That's exactly what the first conversation is for. Tell me what you're trying to do and I'll point you to the right path — no obligation.

Book a consultation Call me