Lending Solutions
Lending solutions built around your situation.
We simplify the home loan process and provide tailored solutions for complex financial situations — guiding you from pre-application to settlement and comparing multiple lenders to find the best possible outcomes.
First Home Buyer Loans
Buying your first home is one of the biggest financial decisions you will make. We help you understand grants, deposit requirements, and lending criteria — then find a loan that fits your situation.
Who it's for
- — First-time buyers entering the property market
- — Buyers exploring government grants and schemes
- — Couples or families planning their first purchase
Common situations
- — Saving for a deposit while renting
- — Understanding LMI and low-deposit options
- — Navigating pre-approval before auction or private sale
How KT helps
- — Explain lending criteria and borrowing capacity in plain English
- — Compare options across 25+ lenders
- — Guide you from pre-approval through to settlement
Home Loans
Whether you are upsizing, downsizing, or buying your next home, we compare lending solutions across our lender panel to find the right fit.
Who it's for
- — Existing homeowners purchasing their next property
- — Buyers seeking competitive rates and flexible features
- — Borrowers comparing fixed vs variable options
Common situations
- — Upgrading to a larger family home
- — Purchasing after selling an existing property
- — Choosing between offset, redraw, and fixed-rate structures
How KT helps
- — Assess your borrowing capacity and loan structure options
- — Compare rates, fees, and features across multiple lenders
- — Handle paperwork and liaise with lenders on your behalf
Refinancing & Loan Reviews
Your financial situation and the lending market change over time. A loan review can reveal opportunities to reduce repayments, access equity, or improve loan features.
Who it's for
- — Homeowners whose fixed rate is expiring
- — Borrowers seeking lower repayments
- — Property owners wanting to access equity
Common situations
- — Fixed rate period ending and considering options
- — Repayments feel high compared to current market rates
- — Life changes requiring a different loan structure
How KT helps
- — Review your current loan against available alternatives
- — Calculate potential savings and break-even points
- — Manage the refinance process with minimal disruption
Investment Property Loans
Investment lending requires a different approach to owner-occupied finance. We help you understand lending criteria, structure loans effectively, and grow your portfolio over time.
Who it's for
- — First-time property investors
- — Existing investors expanding their portfolio
- — Borrowers using equity from existing properties
Common situations
- — Purchasing an investment property with existing equity
- — Structuring loans for tax and cashflow efficiency
- — Cross-collateralisation vs stand-alone security decisions
How KT helps
- — Assess investment borrowing capacity across lenders
- — Compare interest-only and principal-and-interest options
- — Navigate lender policies for multi-property portfolios
Construction Loans
Construction lending involves staged drawdowns, builder contracts, and progress inspections. We guide you through the process and connect you with lenders experienced in construction finance.
Who it's for
- — Owner-builders and custom home projects
- — Knock-down rebuild projects
- — Major renovation and extension projects
Common situations
- — Building on a vacant block of land
- — Renovating with staged funding requirements
- — Managing progress payment schedules with builders
How KT helps
- — Explain construction loan drawdown stages and requirements
- — Compare construction-specific products across lenders
- — Coordinate with valuers and builders throughout the build
Complex & Commercial Lending
Not every lending situation fits a standard home loan application. We work with complex income structures, business lending, and specialised products to find workable solutions.
Who it's for
- — Business owners seeking commercial finance
- — Borrowers with non-standard income or employment
- — Clients needing car loans or asset finance
Common situations
- — Self-employed or contract income assessment
- — Commercial property or business expansion finance
- — Fast-track car loan applications
How KT helps
- — Navigate lender policies for non-standard applications
- — Present your financial situation effectively to lenders
- — Compare commercial, car, and specialist lending products