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LENDING SOLUTIONS TAILORED FOR YOU
Finance Experts
Strategic Advisory has helped thousands of Australians achieve their home ownership dreams by providing certainty and peace of mind through tailored lending solutions for residential and commercial purposes.
Whether it’s a family home, investment property, SMSF purchase, a refinance of your existing loan, or taking on a commercial venture, we strive to achieve financial security for our clients and are honored to be a part of their property ownership journey.
Our service doesn’t end at your loan approval. We aim to build long-standing relationships and ensure that your experience with us is one of integrity and efficiency.
Our highly experienced team is here to assist you every step of the way.
Core Values
Of all loan residential loan applications are written by brokers
Clients assisted
Billion settled loans
Lenders on our panel
Our Services
Through our unique and comprehensive process, we ensure that we provide you with the best solution tailored to your current needs and circumstances in the most timely and effective manner.
We provide broad lending solutions to utilise your Self-Managed Super Fund for residential or commercial investment purchases – giving you the power to choose how you invest your retirement savings.
As a commercial and business finance broker, Strategic Advisory is accredited with all major banks and a number of specialist commercial/business lenders.
If you’re a medical professional, accountant or lawyer, some lenders offer special packages (Such as lending with LMI waivers) – We can assist with navigating this space to find the most suitable lender for you.
Our team at Strategic Advisory specialises in
providing tailored financial solutions for Property Development to help you transform your property development visions into reality.
WHY CHOOSE Strategic Advisory ?
Purchasing a property can be an emotional and daunting task. With Strategic, you can trust that we will always advocate on your behalf and provide the best possible lending solution available to you. We understand the many intricacies and policies across a wide range of lenders in the market and can identify the most appropriate strategy and product to assist you in achieving your goals. Our unique and well-defined process allows us to provide the best solution to you in a simple, straightforward, and effective way.
We’re accredited by the Australian Finance Group Ltd (AFG) - Australia’s largest mortgage broking aggregators. This ensures we are held to the highest possible mortgage broking standards and that we are qualified to give mortgage and lending advice to our clients.
Our process is clear, concise and efficient. We receive a trailing commission from lenders, meaning our residential broking service is 100% *free for you to utilise. (*Lender fees and charges may apply. Some services from Strategic Advisory may incur a fee. This will be communicated to you upon your initial consultation).
We hold ourselves to a high service standard, operating with respect, transparency and reliability. Our unwavering objective is to help you attain the best possible outcome tailored to your specific circumstances, advocating on your behalf and providing a sense of assurance and financial security.
Our Process
Our steadfast goal is to assist clients achieve the optimum outcome suited to their circumstances while providing peace of mind and financial security.
Testimonials from our valued clients
Frequently Asked Questions
Each lender uses their own unique serviceability calculator to determine your borrowing capacity.
As a qualified mortgage broker, Strategic Advisory has direct access to these calculators enabling us to fully assess your borrowing capacity as the bank would. This makes our calculations more accurate than an online borrowing capacity calculator.
Your borrowing capacity and loan serviceability is determined by a number of factors.
This can include the below:
- Your household income
- Any existing debt or liabilities (Existing loans, HECS debt, credit card limits, tax owing etc)
- How many dependants you have
Generally speaking, lenders allow you to borrow up to a maximum of 80% of the value of your property purchase without lenders mortgage insurance. This requires you to have 20% of personal funds to complete the purchase. (This does not include stamp duty or any miscellaneous costs such as conveyancer or bank fees).
For an accurate assessment of your maximum borrowing capacity book in strategy session with us today.
There are several ways you can improve your borrowing capacity:
- Reducing or closing your credit cards
- Paying off any tax owing
- An increase in household income
- Paying out any HECS debt
These are potential strategies we consider when we prepare your finance proposal, enabling you to see your maximum borrowing capacity.
Reducing credit cards or paying out debts are not always necessary, as this will rely on how much you require to complete your desired purchase and is also dependant on your available deposit.
Your home loan repayments are reliant on several factors:
- Loan Amount
- Interest rate
- Loan term
- Repayment type (Principal & Interest or Interest Only)
- Whether your loan includes Lenders Mortgage Insurance (LMI) for loans over 80%
- Ongoing lender fees
An approximate loan repayment will always be demonstrated to you in our finance proposal, enabling you to envision your potential repayment costs.
Credit cards are what lenders refer to as a ‘liability’. This means that they are considered a debt or obligation.
Your credit card monthly expense is typically calculated at a rate of 3.82% of your credit card limit. Different lenders apply different rates to the credit card repayments, and this may affect the monthly credit card repayment.
If the actual monthly credit card repayments are more than the amount displayed, this will also impact your capacity to afford your loan.
If your credit card limit affects your ability to borrow the amount you require, we can consider a reduction in the credit card limit to assist with your borrowing capacity.
No, you do not need a credit history to be eligible for a home loan.
Although you're unable to show any experience in managing your debt and finances through any proof of credit history, lenders will still consider your loan application if you have a strong income and stable employment.
The Australian Government has introduced numerous schemes and grants for first home buyers. Eligibility criteria for these vary between States & Territories.
There are multiple first home buyer schemes you may be eligible for. Some of these include benefits such as:
- Zero Stamp duty*
- Stamp duty concessions*
- Minimum deposit of 2% - 5%
*Price thresholds apply and are dependent on which State/Territory you wish to purchase in.
One such scheme is the First Home Guarantee Scheme.
To be eligible for this scheme the below general criteria must be met:
- Individual borrower: Income below $125,000
- Joint applicants: Combined income below $200,000
- Must be an Australian Citizen or a Permanent Resident
- Purchase intended for owner occupied purposes
- First home buyers or previous homeowners who have not owned a property or land in Australia in the past ten years
It’s important to note that not all lenders participate in the First Home Guarantee Scheme. This is something we take into account when we weigh up your lending options, as well as any other schemes or grants you may be eligible for.
More detailed information about the First Home Guarantee Scheme and eligibility requirements can be found via https://www.housingaustralia.gov.au/support-buy-home/first-home-guarantee.
Interest on your mortgage is calculated daily by your lender. This means that repaying your loan weekly could slightly reduce your interest paid over the life of your loan.
Depending on the type of loan you desire, some lenders may offer you the option to make repayments fortnightly or weekly. This is something we can investigate on your behalf.
Please note that if you are on a variable interest rate, potential future savings can be difficult to determine. Additionally, if you have an offset account, it makes no difference whether you pay weekly, fortnightly or monthly due to your funds being offset.
There are several compulsory and discretionary fees/upfront costs you can encounter when purchasing a property:
- Stamp Duty/Transfer Duty (based on the value of your home)
- Legal or conveyancing fees
- Strata, pest or building reports
- Mortgage registration fees
- Registration of title
- Lenders Mortgage Insurance (Required for loans over 80% of your property value)
- Loan application or valuation fees (for some lenders)
Some lenders offer lower interest rates for loans with a lower LVR. This is due to the borrowing risk viewed as less.
Generally speaking, a loan at 80% will have the same interest rate regardless of loan size.
Interest rates tend to increase if you are borrowing over 80% due to higher financial risk incurred by the lender. These loans also include Lenders Mortgage Insurance (LMI). When comparing lenders on your behalf, this is something we consider and will demonstrate to you during your loan application process.
LMI is an abbreviation for ‘Lenders Mortgage Insurance’. Lenders Mortgage Insurance may be an option for you if you don’t have a substantial deposit (generally 20%) saved to allow you to purchase a home at your desired purchase price.
LMI is an insurance policy that your lender takes out to protect itself against the risk that you (the borrower) default on your loan repayments and that your lender is unable to recover the full outstanding loan amount.
LMI allows the lender to protect itself while enabling you to borrow more and buy a home sooner with a smaller deposit. LMI is a one-off fee that we normally recommend capitalising/adding to your loan.
A pre-approval is a loan approval from a lender that occurs prior to you securing a property.
Obtaining a pre-approval can give you assurance that you have the funds to complete your purchase before making an offer on a property.
Your borrowing capacity in conjunction with your available deposit is what will determine your maximum purchase price. With this in mind, pre-approvals can give you a clear indication on the purchase price you are capable of securing.
Pre-approvals are generally valid for 90 days, after which you are required to re-apply for your loan. We recommend looking to gain pre-approval when you are in the process of looking for a property.
An offset account is an opt in feature of a loan product from lenders that operate similar to a transaction or savings account.
Funds in that account will offset the balance in that account against the balance of your home loan, meaning you’ll only be charged interest on the difference.
Your calculated monthly repayments are based solely on your loan limit amount, repayment type and loan term.
Simply put, the more you have in offset the less interest you pay and the faster you pay off your loan.
Please note that not all lender loan products have an offset feature, and some lenders charge an additional fee. If an offset account is important to you, we will ensure that this feature is available to you when submitting your application.
Redraw is the ability to access funds that you have paid in advance of your loan term into your loan account.
For example: If your minimum required monthly repayments are $1,000 and you have been paying $2,000 per month for the last 3 months, you would have paid your loan in advance by $3,000 and would have access to the additional $3,000 - available in redraw.
Redraw is not a separate account, it is a functionality of your loan account. Each lender has different policies around how their redraw works, frequency of redraw and minimum redraw amount.
