An interactive planning approach to better loan terms
Effective negotiation starts with clarity. We map your financial position, objectives and deadlines, then build a lender strategy that targets the places where fees and rates are negotiable. I’ll prepare the application so it reads well to underwriters, highlight where lender flex exists, and engage directly with decision-makers to win the best possible outcome — whether that means a lower fixed rate, removed fees, improved service levels or faster conditional approvals.
Rate negotiation
I engage the right lenders and use volume/relationship leverage to reduce fixed and variable rates.
Fee & charge reduction
I negotiate application fees, legal fees, discharge and breakage charges where possible.
Special conditions & covenants
I seek relaxed covenants, improved repayment terms and flexible redraw/porting options.
How Can Our Team Help You to Reach Your Goals
Learning About You
Schedule a 20–30 minute call. We’ll review your goals, income type (PAYG, contractor, self-employed), deposit and timeline so we can tailor lender matches.
Organized Meeting
We meet (phone/Zoom/in-person) to gather documents and agree the preferred strategy — fixed vs variable, term, repayment type, and any structuring for investors.
Plan Presentation
You’ll receive a clear recommendation showing lender options, projected payments, fees, and the path to approval — including alternatives if your file has complexities.
Implementation
I prepare and submit the application, negotiate terms and follow through with lender underwriting to settlement. You get regular updates and one point of contact the whole way.
