Services

We specialise in tailored mortgage and funding solutions across all levels—from first home buyers and property investors to commercial projects, business expansion, and retirement village developments.

As Finance Engineers, we bridge traditional lending with innovative structures—offering access to bank and non-bank lenders, structured funding, mezzanine debt, and bespoke advisory that turns your financial vision into reality.

interest rates

Commercial & Investment Property Loans

Acquisition or refinance of office, retail, industrial or mixed-use assets
Multi-unit residential investment properties
Trust, company, or nominee structures
Non-bank commercial mortgage solutions

Business & Asset-Backed Lending

Working capital and unsecured cashflow lending for SMEs
Equipment and business asset financing
Franchise funding solutions
Expansion and acquisition finance

Property Development & Construction Finance

Landbank and pre-development loans
Construction lending with staged progress drawdown
Specialised funding for medium to large-scale residential and commercial projects
Finance options pre- and post-title issue

Retirement Village & Healthcare Sector Funding

Funding structure design for village operators and developers
Bridging and long-term debt placement
Equity release, mezzanine and joint venture finance
Regulatory-aligned structuring and investor syndication

Complex & Engineered Finance Strategy

Mezzanine debt, equity top-up and layered financing
Multi-lender coordination & hybrid funding
Structured deals tailored for overseas investors and wholesale clients
"Out-of-the-box" solutions when traditional lenders say no

First Home Buyer and Property Investor Funding Strategy and Solution

Loan structuring to optimise tax, cashflow and leverage for long-term investors
Portfolio refinancing and equity release to support new acquisitions
Step-by-step planning for first home or long-term investment growth strategy
Tailored lending options for first-time buyers including low deposit or family support structures
Guidance on navigating bank and non-bank lending requirements

Interest rates

What are the current market rates?

Institution

Floating

6 mo

1 yr

18 mo

2 yr

3 yr

4 yr

5 yr

Standard	5.79%	5.09%	5.19%	5.49%	5.69%	5.99%	6.09%	6.19%
Special	-	4.49%	4.59%	4.89%	5.09%	5.39%	-	-
Good Energy - Up to $80K	-	-	-	-	-	1%	-	-

TotalMoney	5.94%	-	-	-	-	-	-	-
Standard	5.84%	4.49%	4.59%	4.79%	4.89%	5.29%	5.59%	5.79%
Better Future Home Loan	-	-	-	-	-	1%	-	-

Standard	5.79%	4.49%	4.59%	4.85%	5.09%	5.39%	5.55%	5.69%
Better Homes Top Up	-	-	-	-	-	1%	-	-

Standard	5.89%	5.09%	5.19%	5.45%	5.79%	5.89%	5.99%	6.19%
Special	-	4.49%	4.59%	4.85%	5.19%	5.29%	5.39%	5.59%
Greater Choices	-	-	-	-	-	-	-	0%
Choices Offset	5.89%	-	-	-	-	-	-	-
Choices Everyday	5.99%	-	-	-	-	-	-	-

Standard	5.75%	5.39%	5.49%	-	5.99%	6.25%	6.59%	6.69%
Special	-	4.49%	4.59%	-	5.09%	5.45%	5.79%	5.89%
Offset Mortgage	5.75%	-	-	-	-	-	-	-

Residential	5.84%	5.09%	5.19%	5.39%	5.59%	5.89%	6.15%	6.29%
Special	-	4.49%	4.59%	4.79%	4.99%	5.29%	5.55%	5.69%
First Home Combo	-	-	4.09%	-	-	-	-	-
Construction lending for FHB	3.29%	-	-	-	-	-	-	-
Unwind reverse equity	7.99%	-	-	-	-	-	-	-

Standard	7%	5.38%	5.48%	5.68%	5.78%	6.08%	6.38%	6.58%
Special	5.1%	4.38%	4.48%	4.68%	4.78%	5.08%	5.38%	5.58%

Special

5.39%

4.39%

4.49%

4.65%

4.89%

5.15%

5.45%

5.65%