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Knowledge Base

Find answers to common questions about lending policies, rates, and approval processes.
FAQs

Common Mortgage & Business Lending Questions

Browse our knowledge base by category below to find quick, expert answers on credit policies, interest rates, and loan features.

General Questions

We provide expert mortgage brokerage, business financing, commercial property loans, asset and equipment leasing, guarantor structures, and specialized lending for SMSFs and medical professionals across Australia and New Zealand.

Home & Residential Loans

Typically, a 20% deposit is required to avoid Lenders Mortgage Insurance (LMI). However, many lenders offer home loans with deposits as low as 5% or 10%. Additionally, first home buyers and medical professionals may qualify for government guarantee schemes or LMI waivers, enabling purchases with low cash layouts.
LMI is an insurance premium charged by lenders when you borrow more than 80% of a property's value. It protects the lender (not the borrower) in the event of default. The cost of LMI varies based on loan size and LVR, but we structure loans to minimize or waive this cost where possible.
A guarantor loan allows an immediate family member (usually parents) to secure a portion of your home loan using the equity in their own property. This structure enables you to borrow up to 100% of the purchase price plus costs, without paying LMI, while requiring a smaller personal savings pool.

Commercial Property & Business Finance

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287 Chesterville Road Bentleigh East VIC 3165 Melbourne Australia

+61 435 333 804

Finance & Beyond Pty Ltd ABN: 58 644 655 422. Credit Representative #551807 is authorised under Australian Credit Licence #384704.

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Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

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