13 lenders
15 Years Experience
Nationwide
5.0★ Google Reviews
OUR SERVICES
Wherever you are in the property journey, we've been there with someone before.
The thinking that gets a first home buyer across the line is different to the thinking that grows a multi-property portfolio. We do both, and everything in between.
Property Investors
We’ll support you from your first property to your last, and every one in between.
Building or Renovating
We’ll crunch the numbers so you don’t go over budget or your LVR.
"Property isn't just a transaction. What you buy today can shape what's possible for years to come."
- Cody Subritzky.
Our process
From first conversation to long-term support.
01
Disclosure
Before anything else, Cody sends you his Financial Services Disclosure Statement. It covers who he is, how he’s paid, any conflicts of interest, and how to raise a concern if you ever need to. Read it, ask questions, decide whether to proceed. No pressure.
02
Discovery
You share a few details about your situation before we meet, so the call is useful from the first minute. Then we talk — a 30-minute conversation where you tell us where you are and what you’re trying to do. We listen, ask the right questions, and tell you honestly whether we can help. Free, no commitment.
03
Strategy
We look at how the lending fits your broader position — income, plans, risk, and what you’re building over time. Then we work across our lender panel, comparing rates, structure, serviceability, and lender appetite, and come back with a clear recommendation and the reasoning behind it.
04
Action
We run the application end-to-end — organising paperwork, valuation, and conditions. We work alongside your accountants, valuers, and agents to spot problems early and keep the deal moving.
05
Settlement
The deal closes. Cody walks you through your loan terms, repayment schedule, and what to expect next. You leave knowing exactly where you stand.
06
Support
Our relationship doesn’t end at settlement. We stay in touch as your situation changes, flag fixed terms before they roll, and keep an eye on your equity as it grows. We’re built for the long run.
FAQ’s
The questions we
get asked most
Why would I use a broker instead of going direct to my bank?
Two things. Banks can only offer their own products. We work across a large panel of lenders, banks and non-banks. And banks only start talking to you when you’re bank-ready. We start when you’re ready, which can be months or even years before that.
How long does the full process take?
Assuming you’re bank-ready, the application moves in two stages. Full application to conditional approval takes 5 to 10 working days, depending on how busy the lender is. Conditional approval to settlement is a further 15 to 30 working days, depending on the terms of your sale and purchase agreement
Can you help if I'm self-employed or have complex income?
The short answer is yes. As long as your combined income across all sources can meet bank servicing, we can find the right lender. We have the skills and experience for self-employed clients and high-complexity deals.
Can you get me discounts on advertised interest rates?
In most cases, yes. We negotiate discounts on advertised interest rates and, for typical loans, there are usually cashback offers in the mix too. There are some situations where this isn’t possible, and we’ll tell you upfront when that applies.
What if i change my mind part way through?
If we’re working exclusively with you and you decide to walk away, in most cases there’s no cost. We don’t lock clients in.
Can't find what you're
looking for?
Case Studies
Situations we see often.
Built from patterns we see across our clients. Names and details changed.
First Home Buyer
"The bank said we couldn't afford it. We thought that was the end of the road."
A first home buyer declined by their main bank on servicing. What the bank didn’t mention: three other lenders on our panel assess income differently. We restructured the application, moved it, and settled in six weeks.
Result: $640k approval, first home settled
Property Investor
"I hit the DTI wall at three properties. I thought my portfolio was capped."
An investor stuck at three properties under DTI rules. We restructured existing debt, placed the fourth purchase with a non-bank lender outside the DTI framework, and unlocked the next phase of the portfolio.
Result: Fourth rental acquired, growth path restored
Developer
"Thirty days to unconditional. Three lenders had already passed."
A three-lot subdivision, unconditional contract signed, a 30-day timeline and three prior declines. We took it to a specialist development lender, structured drawdowns to match the build programme, and settled in 27 days.
Result: Deal settled in 27 days, project on track
The Broker
Cody Subritzky
“Every deal has common threads and unique challenges. My job is to get you and your property goals ‘bankable’ as quickly as possible, while laying foundations for future deals.”
Cody moved from life insurance into mortgage advice because property and problem-solving are what he’s drawn to. The deals he likes most are the ones that don’t fit a template, self-employed clients, complex income, situations where the answer takes some working out.
Our Reviews
5.0 stars on Google
“We’re first home buyers with little knowledge of what we needed to do, and they were so patient, made us feel safe and comfortable, and had a flawless approach to communication. They had efficient preemptive practice ready for any of the banks’ curve balls. We couldn’t recommend them more.”
“Partnering with Cody and his team has been one of the smartest decisions I’ve made for my portfolio. As business owners and active investors, we needed more than just loan approvals — we needed structure, strategy, and long-term vision. That’s exactly what they delivered. They think several steps ahead.”
“Two years ago, on the exact same income, we were given a very small maximum lend with no real guidance on how to improve. Fast forward to now, and we own two properties. We presented Cody with a complex situation and a tight deadline, and he couldn’t have been better to work with.
Let’s Chat
Start with a Conversation.
A free 30-minute call. Tell us where you are and what you’re trying to do, and we’ll tell you honestly whether we can help and what the path looks like.
We reply within one business day. Your details are private and used only to respond to your enquiry.
