Your Journey to Property Ownership Starts Here - Tailored Solutions for Every Stage
Step into the property market with confidence. Access exclusive first home buyer benefits, government schemes, and lower deposit options.
Ready to upgrade or relocate? Leverage equity, coordinate timing between selling and buying with expert guidance.
Get into the property market sooner with family support. Avoid LMI and potentially borrow up to 100% of property value.
Access home ownership with as little as 5% deposit through the First Home Guarantee and other government-backed schemes.
Build wealth through property investment with specialized loan structures and tax benefits.
Leverage your superannuation to invest in property with an SMSF loan structure.
Taking your first step onto the property ladder is an exciting milestone. We specialize in helping first home buyers navigate the complexities of purchasing their first property, with access to exclusive first home buyer benefits, government schemes, and lower deposit options. Let us help you understand your borrowing capacity and find the right loan structure for your situation.
As a first home buyer, you have access to various government grants, stamp duty concessions, and the First Home Guarantee scheme which allows you to purchase with as little as 5% deposit. We'll help you navigate all available options to maximize your benefits and get into your first home sooner.
View First Home Buyer Benefits & GuideMore than 36,000 Australian businesses and individuals choose us as their mortgage brokers. Here's why we're trusted to deliver exceptional results.
Your goals are our priority. We take time to understand your unique situation and tailor solutions that align with your long-term financial objectives.
Our experienced mortgage brokers bring decades of combined industry knowledge, staying current with market trends and lender policies to secure the best outcomes.
We compare loans from over 40 lenders including major banks and specialist lenders, negotiating competitive rates you may not access directly.
From pre-approval to settlement and beyond, we manage the entire loan process, liaising with lenders and keeping you informed every step of the way.
Ready to upgrade or relocate? Moving to your next home is an exciting milestone. We'll help you leverage the equity in your current property, explore your finance options, and coordinate timing between selling and buying. Our team ensures a smooth transition with strategies for bridging loans, pre-approval, and competitive rates that suit your upgraded lifestyle needs.
Whether you're upsizing for a growing family, downsizing for retirement, or relocating for lifestyle or work, we provide expert guidance on leveraging your existing equity, managing the sale-purchase timeline, and securing competitive financing for your next home. Our strategies include bridging finance options, pre-approval to strengthen your position, and loan structures that maximize tax benefits if you're converting your current home to an investment property.
Strategic refinancing and smart borrowing can transform your financial future
Strategic planning for further investments via equity access through refinancing. Equity release to further investment in the property market will enhance your property goals and accelerate your path to financial freedom.
Cashout for further renovations or improvements to the property that increase the property value and better lifestyle. Strategic improvements deliver both enjoyment and strong returns on investment.
Consolidating the debts and easing your repayments to manage your finance better. This strategy simplifies your finances with one manageable payment and reduces overall interest costs.
Get into the property market sooner with family support. A guarantor loan allows a family member (usually a parent) to use their property as security, helping you avoid Lenders Mortgage Insurance (LMI) and potentially borrow up to 100% of the property value. We'll explain how guarantor loans work, the responsibilities involved, and how to structure the loan to minimize risk for all parties.
A guarantor uses the equity in their property as additional security for your home loan. This allows you to enter the property market with a smaller deposit or no deposit at all, avoiding costly Lenders Mortgage Insurance. The guarantor doesn't make your repayments or give you money - they simply provide security. As you build equity in your property through repayments and capital growth, the guarantee can often be removed. We ensure all parties fully understand their rights and responsibilities, structuring the guarantee to protect both you and your guarantor.
Get answers to common questions about home loans, refinancing, and property investment
At ALS Mortgage Solutions, we provide comprehensive financial services that go beyond just finding you a loan
We don't just arrange loans - we help you develop a comprehensive property investment strategy aligned with your financial goals, assessing market opportunities and optimal structures.
Our relationship doesn't end at settlement. We provide ongoing loan reviews, market updates, and refinancing opportunities to ensure your loan remains competitive throughout its lifetime.
Access our trusted network of professionals including conveyancers, solicitors, accountants, financial planners, and property experts to support your entire property journey.
Get pre-approved quickly to strengthen your negotiating position. We provide unconditional pre-approvals that give you confidence to bid at auctions or make offers with certainty.
Leverage our strong lender relationships and industry expertise to negotiate better rates, waived fees, and favorable loan conditions that you couldn't access directly.
Access our comprehensive guides, calculators, market insights, and educational resources to make informed decisions throughout your property and finance journey.
Get in touch with our expert team today for a free consultation and personalized lending solution.
