What We Offer

Loans We Offer

From your first home to a growing investment portfolio, Buyerly covers every lending need with specialist expertise and access to 40+ lenders.

First Home Buyer Loans

First time buyers across Australia

Buying your first home is one of life's biggest milestones. At Buyerly, Preeti will help you understand every option available, from government grants and guarantees to low-deposit lenders, so you can make the most of your deposit and buying power. We make the complex simple.

  • First Home Guarantee (FHBG): buy with as little as 5% deposit, no LMI
  • First Home Owner Grant (FHOG) eligibility assessment for your state
  • Stamp duty concession and exemption guidance for all states
  • Access to 40+ lenders including specialist first home buyer products
  • Pre-approval assistance to strengthen your offer
  • Step-by-step guidance from application to settlement

Investment Property Loans

Property investors, new and experienced

Preeti Vemasani is a property investor herself, so when she advises you on an investment loan, she understands the full picture: cash flow, tax implications, portfolio structure, and lender appetite. This isn't generic advice. It's from someone who has navigated the same decisions you're facing. Whether you're buying your first investment property or expanding a portfolio, Buyerly structures loans to work harder for you.

  • Portfolio lending strategy: structure loans to maximise borrowing capacity
  • Interest-only options to optimise cash flow
  • Access to lenders with favourable investor policies
  • Cross-collateralisation avoidance strategies
  • Offset account structuring for tax effectiveness
  • Regular loan reviews as your portfolio grows

SMSF Property Loans

Self-Managed Super Fund trustees

Self-Managed Super Fund (SMSF) property lending is one of the most specialist areas of mortgage broking. Only a handful of lenders offer SMSF loans, and the compliance requirements are strict. Preeti works closely alongside your accountant and financial adviser to ensure the structure is fully compliant and the loan fits your fund's investment strategy.

  • Limited Recourse Borrowing Arrangement (LRBA) specialist lenders
  • Bare trust / custodian structure guidance
  • SMSF cash flow and serviceability assessment
  • Coordination with your SMSF accountant and financial adviser
  • Commercial and residential SMSF property lending
  • Lenders with competitive rates for SMSF loans

Refinancing

Homeowners and investors looking to switch lenders

Many Australians are paying more than they need to on their home loan. Whether your fixed rate is about to expire, you want to access equity, or you simply suspect a better deal exists, Buyerly will do a thorough market comparison. We calculate the true cost of switching (including break costs, fees, and cashback offers) to make sure refinancing actually benefits you.

  • Free loan health check: compare your rate to current market
  • True cost analysis including break fees and switching costs
  • Cashback offers from competing lenders
  • Equity release for renovations, investment, or debt consolidation
  • Rate negotiation with your existing lender
  • Fixed rate expiry alerts and proactive reviews

Construction Loans

Building a new home or undertaking major renovations

Construction loans are structured differently to standard home loans. Funds are released in progressive drawdowns as each building stage is completed, and you only pay interest on the amount drawn. Navigating lender requirements, valuations, council approvals, and builder contracts requires specialist knowledge. Preeti will ensure your finance is structured correctly from the start.

  • Progressive drawdown structure: only pay interest on drawn funds
  • Lenders who work with your builder's payment schedule
  • Owner-builder loan options
  • Renovation finance for significant structural works
  • Construction-to-permanent loan rollover
  • Valuation and approval timeline guidance

Bridging Loans

Buyers selling one property and buying another

The gap between selling your current property and settling on your new one can be stressful. A bridging loan provides short-term finance to bridge this gap, letting you buy your new home without being forced to sell first or rush your settlement. Preeti will help you understand the true cost of bridging finance and whether it's the right strategy for your situation.

  • Closed bridging: when your sale date is confirmed
  • Open bridging: when your sale is not yet exchanged
  • Interest capitalisation: no repayments during the bridge period
  • Peak debt and end debt analysis
  • 12-month maximum term with most lenders
  • Exit strategy planning to minimise bridging costs

Commercial Loans

Business owners and commercial property investors

Commercial lending operates under different rules to residential — higher deposits, shorter terms, and varying lender appetite for different property types. Whether you're buying your own business premises, investing in a commercial property, or refinancing an existing commercial loan, Buyerly can connect you with lenders who actively support commercial transactions.

  • Office, retail, industrial, and mixed-use properties
  • Business owner-occupied and investment commercial lending
  • SMSF commercial property loans
  • Lease documentation and rental income assessment
  • Development finance referrals
  • Access to bank and non-bank commercial lenders

Compare Current Rates

Current RBA Cash Rate: 4.10% p.a. Lender rates are typically 1.5–3% above the cash rate. Compare live rates on these independent sites.

Rate comparison sites are maintained by third parties. Buyerly has no affiliation with these services and cannot guarantee the accuracy of their data. For a personalised rate, book a free consultation with Preeti.

Ready to find your perfect loan?

Book a free, no obligation consultation with Preeti. No jargon, no pressure, just expert advice tailored to your situation.

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