HOME BUYING
The First Home Buyer Guide for Australia in 2026
Scheme changes from October 2025, DTI caps from February, and what the May budget might do to stamp duty.
Cashtech · finance for real life
Finance,
clearly.
We do the paperwork. You get a clear answer fast. We compare across the Australian lender market and walk through the trade-offs in plain English, with a real broker on the other end of the line.
No fees to clients20-min brief, same-day responseIndependent, Sydney-based
Working across the Australian lender panel — refreshed against the market
Hemisphere
Lighthouse Financial
Pacific Credit Union
Coastline Bank
Meridian Finance
Continental Trust
Harbour Federal
Parkside Capital
Hemisphere
Lighthouse Financial
Pacific Credit Union
Coastline Bank
Meridian Finance
Continental Trust
Harbour Federal
Parkside Capital
Whole
Australian lender panel
4.9 / 5
from 412 reviews
11 days
Average to approval
What we do
Three streams, one brokerage.
Consumer, commercial, and refinance. No fees to clients. The lender pays us; we work for you.
01
Home loans
Your first or your fifth. Owner-occupier, investor, SMSF lending. We sort the paperwork and explain every trade-off in plain English.
Home loan options02
Business finance
Working capital, equipment finance, commercial property, asset-backed lending. We know which specialist lenders fund which profiles.
Business finance03
Refinance
Honest check across the lender market every six months. We tell you if switching saves enough to bother, and if not, we say so.
Check my rateHow this actually works
Four steps. About eleven days.
Every application is different. The process isn't. Here's what happens between the first conversation and settlement.
STEP 01
You brief us
A twenty-minute call to understand what you're actually solving for. Purchase, refinance, business expansion — we want the full picture before we recommend anything.
STEP 02
We compare
We source real rates from the lender panel against your specific profile, not the marketing ones. You see the ranking and the reasoning behind each position.
STEP 03
You choose
We explain the trade-offs honestly. Rate versus flexibility, features versus fees, speed versus certainty. You make the call, we support whatever fits.
STEP 04
We fund
We manage the paperwork from application to settlement. Around eleven days is typical for a home loan. Business finance can move faster.
Calculators
Run the numbers.
Ninety seconds, an estimate you can trust. No credit check, no commitment, no sales call unless you ask for one.
BORROWING POWER · SAMPLE
Purchase price$850,000
Deposit$170,000
Annual income$165,000
Living expenses$4,200/mo
Borrowing power$680,000
Indicative only. Formal serviceability depends on the specific lender's policy and your complete profile.
Real outcomes
What actually happens.
Every application is specific. These are three recent ones, de-identified with permission.
FIRST HOME BUYER · PARRAMATTA
$680,000
borrowing power approved
Using the First Home Guarantee scheme. 5% deposit, no LMI. Nine business days from brief to unconditional approval.
Final rate / outcome5.89%
SME · SYDNEY WEST
$450,000
working capital facility
Existing business client, three-year trading history. Lender selection took a week; funds available six days after signed docs.
Final rate / outcome11 days
INVESTOR REFI · BONDI
$4,200
annual saving vs prior rate
Refinanced a 1.1m investment loan from a Big Four to a specialist lender with better IP policy. Break costs factored in.
Final rate / outcome0.68% p.a.
In their words
Clients talking.
“They explained things without making me feel like I was stupid. First home bought, zero stress.”
Sarah K.
First home buyer, Parramatta
“We got a facility three banks had declined. Four days from sending documents to funds in the account.”
James W.
Director, West Ryde Manufacturing
“The refinance saved us about $350 a month. They were honest that the number might not be worth it before we started.”
Priya & Tom L.
Refinance, Bondi Junction
412 reviews averaging 4.9 out of 5 across Google, ProductReview, and the MFAA.
Worth reading
Plain-English guides.
Thirty-two articles and counting. Australian finance, minus the jargon.
BUSINESS FINANCE
Business Finance Options for Australian SMEs
Eight products compared. When working capital beats an overdraft. When chattel mortgage beats a lease.
INVESTMENT PROPERTY
Negative Gearing in 2026: Still Worth It?
The mechanics, the real after-tax maths at current rates, and how to navigate the reform debate ahead of the May budget.
Ready to start?
A twenty-minute brief.
Then we do the work.
Zero obligation. Zero fees to you. See where you actually stand with lenders today.
Or phone us directly · 1800 227 483