Services
Seven lending desks under one accountable broker: residential, investment, commercial, construction, SMSF and car.
Home LoansPre approval sets your real budget range, makes your offer look serious to sellers, speeds up final approval and removes last-minute surprises. Thomas matches the loan against every major Australian lender before you start searching.Learn more →Refinance SolutionsFour checks decide whether to move: has your situation changed, is the current product still the best fit, do you want equity released, are rate and fees still competitive. Thomas totals the cost of switching before recommending it.Learn more →Investment Property LoansStructure follows strategy: holding period, cash-flow tolerance and repayment appetite decide the split between fixed, variable, offset and line of credit.Learn more →Commercial LoansThomas' specialty desk — ranked No.1 for commercial settlement volume in Australia. Purchase or construction of retail, industrial and commercial property, specialist securities such as childcare centres and hotels, up to 85% LVR, True NO DOC to 65% LVR across up to 25 years, Lease Doc on rental income and credit impaired options.Learn more →Construction LoansA 5% deposit goes to the builder, then approval sets progressive draws: interest is charged only on drawn amounts and repayments stay interest-only through construction.Learn more →SMSF LoansProperty inside a self managed super fund needs a compliant legal and financial structure. Thomas sets it up to satisfy ATO rules and still match the investment goal.Learn more →Car LoansA car loan covers a ute, car, 4WD or motorbike, new or used, over one to five years in monthly installments. Standalone, or against a home loan redraw or line of credit — where you borrow changes what you pay.Learn more →