Australian Mortgage Advisory

Smarter lending.
Better outcomes.

Mortgage specialists for home buyers, investors and business owners across Australia — tailored loan structures and competitive rates.

May Budget Update
Negative Gearing Changes — What Property Investors Need to Know
Existing properties — no change to negative gearing rules
New builds & house-and-land — negative gearing still applies
New established purchases from 12 May — losses deferred, not eliminated
Borrowing capacity — materially affected for established property investors
Read the full breakdown
Home loans
Owner occupied
Investment
Residential & portfolio
Construction
Build & renovate
SMSF lending
Self-managed super
Commercial
Business & commercial
$2.4B
Loans settled
30+
Lender panel
98%
Client satisfaction
17+
Years experience
Specialist services
One focus. Every lending need.
01 — All about your homes
First home & changing

From deposit strategy to settlement — we guide first home buyers and home owners through every step with govenment assistance and tailored structures.

02 — Equity & consolidation
Equity release & debt consolidation

Unlock the equity in your home or consolidate existing debts into a single, competitive structure — tailored to your needs and objectives.

03 — Investors
Investment property

Portfolio structuring, tax/cost-effective strategies and lender selection designed to maximise flexibility and long-term returns for property investors.

04 — Build & SMSF
Construction & SMSF

Construction loans and limited recourse borrowing arrangements for SMSF property — complex structures handled with confidence.

Areas of lending
We lend across every category
Home loans

Owner-occupied lending for first home buyers, downsizers and upsizers — competitive structures built around your life stage.

Investment loans

Residential investment lending for single properties through to large portfolios — structured for flexibility and tax efficiency.

Construction loans

Progressive drawdown facilities for new builds and major renovations — we coordinate with your builder at every stage.

SMSF lending

Limited recourse borrowing arrangements (LRBA) for self-managed super funds investing in residential or commercial property.

Commercial & business

Commercial property loans and business lending — buying premises, expanding operations or refinancing existing facilities.

Refinancing

Annual rate reviews, debt consolidation and cash-out refinancing — we'll find a better deal with minimal disruption.

Guarantor loans

Family guarantee arrangements that help buyers enter the market sooner — structured safely and transparently for all parties.

Debt consolidation

Simplify multiple debts into one competitive structure — reducing repayments and giving clarity over your financial position.

How it works
From first call to settlement
I

Free consultation

We understand your goals, financial position and timeline — then identify the right lending structure for you.

II

Lender comparison

We search 30+ lenders and present a shortlist tailored to your circumstances — not just the lowest advertised rate.

III

Application & approval

We manage documents, lender communication and the full application process on your behalf.

IV

Settlement & beyond

We attend to settlement, then conduct annual reviews to ensure your loan stays competitive.

Why FinanceOnly
Specialists.
Not generalists.

We do one thing — mortgages — and we do it exceptionally well. That singular focus gives you deeper lender relationships, sharper loan structuring and outcomes a generalist simply can't match.

MFAA accredited mortgage broker
Australian Credit Licence holder
30+ bank and non-bank lenders on panel
Tailored structure — not off-the-shelf products
Obligation-free consultation
Client reviews
★★★★★
"They structured our loan in a way we hadn't considered. The offset strategy alone will save us years off the mortgage."
James & Michelle T.First home buyers, Sydney
★★★★★
"We watched two explainer videos before our call. We arrived knowing the right questions — and got exactly the right answers."
Priya & Daniel R.Upsizers, Melbourne
★★★★★
"Our SMSF loan was complex. FinanceOnly navigated every hurdle calmly and settled in time. Exceptional service."
Robert K.SMSF investor, Brisbane

Ready to discuss your lending strategy?

Confidential consultation. Obligation-free.