Initial consultation
We start by discussing your goals and financial situation to understand your borrowing needs.
Services
Home loan help that starts with your goal
From buying your first home to reviewing an existing loan, we make it easier to understand your options and move forward with confidence.
Explore services
Choose the support you need
Open a service for a simple overview. If you are not sure where you fit, start with a free conversation.
01First home & owner-occupiedGuidance from your first conversation through to settlement.+
- Understand your borrowing position
- Plan your deposit and purchasing costs
- Compare lender options and loan structures
- Manage the application through to settlement
02RefinancingA clear review of your current loan and available alternatives.+
- Review the current rate, fees and features
- Compare your current loan with other options
- Consider switching costs and the time to recover them
- Manage the refinance application if you proceed
03Investment property lendingLoan structures aligned with your investment goals and financial position.+
- Explore borrowing capacity and available equity
- Consider cash flow, loan features and structure
- Compare lending policies for investment purchases
- Plan with future property goals in mind
04Construction & land loansSupport through the lending process for new builds and land purchases.+
- Consider land and construction finance together
- Understand progress payments and lender valuations
- Prepare builder contracts and supporting documents
- Receive guidance through each construction stage
05Home Loan Health CheckA simple review of your current rate, repayments and loan structure.+
- Review your current interest rate and fees
- Check repayments, features and loan structure
- Understand whether your loan still suits your situation
- Receive a clear explanation of possible next steps
06SMSF lendingCredit assistance for purchasing property through a Self-Managed Super Fund.+
- Work alongside your accountant and financial advisers
- Understand property and lender requirements
- Prepare the trust and lending documents required
- Compare suitable SMSF lending options
07Self-employed & complex incomeA considered approach for income that does not fit a standard payslip.+
- Understand how lenders may assess your income
- Prepare tax returns, financials and supporting documents
- Explore lender policies that may fit your circumstances
- Keep requirements and next steps clear
Our 5-step process
From first conversation to settlement — and beyond
A clear, managed process with practical guidance at every stage.
01
Lender options & loan structure
We identify lenders and loan structures that may suit your requirements, so you can make an informed choice.
Documents & application
We help you gather the required documents and submit the application to your selected lender.
Assessment & settlement
We liaise with the lender, help manage conditions and guide the steps required to reach settlement.
Future review
We can review your loan later to check that it continues to meet your goals and changing circumstances.
More complex situation?We break it into clear, manageable steps so you always know what is needed next.
Let's begin
Ready for a clearer next step?
Tell us what you would like help with and Prabhat will contact you to arrange a free consultation.
Prefer to call?0451 539 018