Services

Building an investment portfolio requires more than a standard loan, it demands a smart financial structure that supports your long-term goals.

Investment property loans are structured in a specific way to allow you to make the most of your assets and finances. We act as an extension of your professional team, working directly with your financial planner and/or accountant to ensure your loan is precisely set up to meet your specific needs.

Refinancing your home loan can save you thousands, but only if it's done right. At Two Doors Financial, we review your current loan against the full lender panel to find genuine savings, not just a lower headline rate, but the right structure for your situation. This might mean switching lenders for a better rate, consolidating debts, accessing equity for renovations or investment, or restructuring to suit changed circumstances like a new job or growing family. We handle the comparison, paperwork, and lender negotiation, so you understand exactly what you're moving to and why it makes sense, with no cost to you for the advice.

As a Doctor, Lawyer, or other professional, you may be eligible for lending benefits that most borrowers can't access. At Two Doors Financial, we work with lenders offering waived Lenders Mortgage Insurance up to higher loan-to-value ratios, more flexible income assessment for those still building their track record, and tailored terms that recognise your profession and earning trajectory. Whether you're purchasing your first property, upgrading, or investing, we structure your loan to reflect your actual financial position, not a generic borrower profile. We handle the comparison, paperwork, and lender negotiation, so you get a loan that works as hard as you do.

The variable rate loan offers more features and flexibility than the basic fixed rate loan, so the rate is usually slightly higher. Fixed rate loans are set at a fixed rate for a specified period – usually one to five years. This gives you the advantage of knowing how much your repayments will be, allowing you to organise your finances without the risk of rising interest rates. However, this advantage is offset by the possibility of not benefiting from a reduction in rates.

Just starting out and not sure what kind of loan you need? No worries! We are here to help. As a first home buyer, you can obtain finance from a financial institution (a loan) either to purchase or secure against the property, with our assistance. Features of a mortgage such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan and other characteristics can vary considerably. It’s always best to speak with a professional mortgage broker to discuss your options. We can also help you determine your eligibility and apply for the First Home Owner’s Grant.

A bridging loan may be necessary to cover the financial gap when buying one property before your existing one is sold. This finance is secured against the existing property (utilising equity) and the new property being purchased. Usually, bridging loans are short term (normally 6 months) to allow for the sale of the original property and more expensive than other types of loans. There are alternative ways to finance a change from one home to another, so please talk with us to discuss your options.

Need finance for another large purchase besides your home? You can also ask us to access competitive finance options for private cars and recreational vehicles, commercial vehicles, plant and equipment for your business and other kinds of small business loans for a variety of purposes. These finance options may include personal loans, car loans, a variety of leases, commercial leasing options, chattel mortgages and more.