Services
Serious lending support — residential, commercial, and everything between.
As your mortgage broker, Bishnu Adhikari structures Australian home loans, refinances, investment and self-employed files, SMSF property lending, construction draws, commercial property, and business asset finance — with direct access to the same broker from first call to submission.
Prefer email? Use the contact form. Broker direct line: 0400 77 77 55.
On this page
Ask a general home-loan question
Short, general answers only — not personal credit advice. For your situation, contact or call us.
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What we help with
Ten active pathways — each with real lender conversations behind it. Scan the cards, jump to a deep-dive below, or get in touch and we'll point you to the right lane in one go.
01 · ServiceHome loans
Owner-occupied purchases with clear pre-approval sequencing, lender matching, and settlement-ready files — minus the call-centre runaround.
- Price-band and repayment clarity before you offer
- Genuine savings, gifts, and LMI mapped early
- Negotiation timing aligned with finance clauses
Explore home loans
02 · ServiceRefinancing
Rate reviews, equity release, and product fit — we compare break-even, fees, and long-run cost so “cheaper” actually helps your household.
- Keep vs switch modelled with real fees
- Offset and term effects made explicit
- Debt consolidation only when structure supports it
Explore refinancing
03 · ServiceDebt consolidation
Credit cards, personal loans, car loans, BNPL — compared against refinance, standalone consolidation loans, and balance transfers. Honest numbers, long-run cost modelled before you decide.
- Three-path cost model on one page
- Discipline, LVR, and LMI weighed up front
- ASIC MoneySmart warning signs avoided by default
Explore debt consolidation
04 · ServiceFirst home buyers
Schemes, deposits, and duty-aware budgets — calm limits before Saturday inspections turn into sleepless auction maths.
- Eligibility and genuine savings sorted early
- Official stamp duty tools linked from our hub
- Auction and private-treaty discipline
First home buyer pathway
05 · ServiceSelf-employed loans
Companies, trusts, add-backs, and “messy is normal” files — policy-led lender shortlists instead of one-size-fits-all knockbacks.
- Tax and bank narrative aligned for assessors
- BAS, lodgements, and timing under finance deadlines
- Complex income, plain-English strategy
Self-employed lending
06 · ServiceInvestment loans
Rental stress tests, portfolio sequencing, and structure that keeps the next purchase possible — not just this one.
- Haircuts and policy overlays explained up front
- Interest-only and P&I trade-offs in context
- Cross-collateral risks named honestly
Investment lending
07 · ServiceSMSF lending
Limited recourse borrowing inside super for residential property — a specialist lane where structure, fund strategy, and lender appetite must line up before you commit.
- Lender policy and LVR reality for SMSF security
- Coordination with your accountant / adviser on fund strategy (general info only)
- Early planning avoids expensive retracing
Explore SMSF lending
08 · ServiceConstruction loans
Progress payments, builder contracts, and contingency buffers — construction is not a settled purchase, and the file has to show assessors you understand the difference.
- Drawdown timing vs build milestones
- Fixed-price vs variations: what banks scrutinise
- Cost overruns and liquidity buffers
Explore construction loans
09 · ServiceCommercial property loans
Offices, retail, warehouses, and owner-occupied business premises — lease servicing, property type, and exit clarity matter as much as rate.
- Tenant strength and lease term in lender language
- OO vs investment commercial (high-level)
- Structured support — not a retail “rates only” conversation
Explore commercial lending
10 · ServiceAsset finance
Vehicles, equipment, and business-use assets — cash flow, ownership entity, and GST treatment framed for practical decisions (with your accountant where needed).
- Chattel mortgage, hire purchase, lease — fit for purpose
- Cash flow and term lengths that match asset life
- often paired with property strategy for business owners
Explore asset finance
Who we help
Pick the lane closest to you — then use calculators or articles before we talk; you will bring sharper questions and get clearer answers.
Healthcare & nurses
AHPRA registration, shift income, and lender LMI lists matched to policy.
Open guideFirst home buyers
Schemes, duties, and deposit reality before you search.
Open guideRefinancers
Rate moves, equity, and break-even without guesswork.
Open guideManaging multiple debts
Cards, personal loans, BNPL — consolidation modelled honestly.
Open guideSelf-employed
Evidence-heavy files routed to understanding lenders.
Open guideInvestors
Portfolio discipline and rental stress tests that match policy.
Open guideSMSF trustees
Limited recourse residential paths with specialist sequencing.
Open guideBuilders & renovators
Progress draws, contracts, and buffers explained early.
Open guideCommercial borrowers
Leases, tenants, and exit clarity in bank language.
Open guideAsset buyers
Equipment and vehicles aligned to cash flow and entity.
Open guide
Specialist lending — deeper context
SMSF, construction, commercial, and asset finance need early structure. Below is plain-language framing — not personal advice — so you know what brokers and lenders actually weight before you spend on advisers or fees.
Active service
SMSF property lending
Borrowing inside your self-managed super fund to acquire residential property is a distinct policy lane. Lenders apply LVR caps, security requirements, and documentation standards that differ from standard owner-occupier loans. Limited recourse structures mean the language in your loan and security documents needs to match what trustees and advisers intend — general information only here, not legal or tax advice.
Where we add value is sequencing: confirming which lenders currently participate in this space, what evidence they expect from the fund, and how to avoid starting a property strategy that the lending side cannot support. If you are considering contributions, liquidity, or pension-phase timing, those conversations belong with your licensed adviser — we keep the credit file coherent alongside them.
If SMSF property lending is on your radar, bring your fund name, approximate balances, and target property use — we will tell you quickly whether a mainstream residential SMSF loan path is realistic before you spend on non-refundable work.
Active service
Construction & renovation finance
Construction lending pays the builder in stages as the valuer or bank certifies progress — not as a lump sum at settlement like a typical purchase. That means your contract, builder licence, insurance, and timeline need to match what assessors expect, and you need a buffer for weather, variations, or small delays that still affect cash flow.
We help borrowers understand drawdown order, when valuers re-visit site, and how much liquidity to hold so progress payments do not stall mid-build. Clarity upstream prevents panic when slab goes down and the bank asks for an updated progress claim.
Whether it is a knock-down rebuild, major renovation lend, or a fixed-price house-and-land package, tell us the contract type and builder model — we will map lender appetite and documentation early.
Active service
Commercial property
Commercial lending leans on tenants, lease terms, property type, and your experience as much as it does on interest rate. Owner-occupied business premises and investment-grade commercial each carry different lender lenses — and the exit story (refinance, sale, amortisation) has to be plausible, not just optimistic.
Our role is to navigate the credit conversation cleanly: packaging leases, forecasts, and entity structure so assessors see a coherent file. We do not replace your lawyer on lease reviews or your accountant on tax treatment — we align the lending request with what banks actually weight in approval.
If you are buying or refinancing commercial assets, bring the IM, lease summary, and rough numbers — we will be direct about whether the scenario fits retail bank appetite or needs a specialised channel.
Active service
Asset finance
Asset finance covers vehicles, yellow goods, and equipment used to earn income — often structured as chattel mortgage, finance lease, or hire purchase depending on GST, balance sheet preference, and lender product. The “best” label is contextual: monthly cash flow, balloon residuals, and tax treatment all matter.
Business owners often pair asset finance with property strategy — sequencing helps when serviceability is tight or when you want to avoid cross-collateral sprawl. We keep conversations practical: what term matches asset life, what deposit or residual is expected, and what documents you need ready.
Enquire with asset type, business entity, and purchase timing — we will shortlist structures that suit operational use without over-engineering.
Tools & insights
Stress-test repayments, refinance saves, stamp duty buffers, and more — then bring the outputs to your broker call.
How engagement works
No mystery stages — you always know why we are asking for a document or why a lender is on (or off) the list.
1. Short conversation
You describe the goal — purchase, refinance, construction, business asset, or SMSF lane. We ask the sharp questions early.
2. Evidence & lenders
We map documents to policy and shortlist lenders that actually fit — not a generic “cheapest rate” printout.
3. Decision support
You get plain-English trade-offs: fees, structure, flexibility. You decide; we execute the file cleanly.
Other scenarios we navigate
Secondary niches — still real work, just less “tile friendly” than the main grid. Mention them in your enquiry and we will route accordingly.
Bridging & timing overlaps
Buy before sell, deposit timing, or short-term overlap between securities.
Portfolio restructuring
Unwinding cross-collateral, splitting securities, or simplifying multi-bank complexity.
Services hub FAQs
Choosing a pathway, SMSF and commercial differences, calculators, and how credit licensing works at a high level.
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.
Tell us which pathway is closest — we will make it precise.
One sentence in the enquiry is enough; we take it from there with structured follow-up.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.