Home Loans

Wade Henry at Piper Loans is not your average finance broker. He wants your experience to be a good one, so a big emphasis is put on understanding your need to buy a home, provide relevant education to assist in the property purchase and structure the home loan accordingly.

I understand people can be time poor these days with family and work commitments. As a finance broker, I can work around you to meet at a time that is convenient. Whether it is within business hours, after hours or weekends, I can come to you.

I have access to a panel of over 30 lenders and can compare your needs and negotiate sharper rates in this competitive environment.

Residential specialist in:

  • Owner-occupied Loans
  • Investment Loans
  • Self-employed Loans
  • Construction Loans
  • SMSF Loans
  • Guarantor Loans

First Home Buyers

Buying your first property can be daunting. What is mortgage insurance? What’s the difference between variable and fixed?

Let me help you like I have done with many First Homebuyers. I will be with you start to finish making sure you understand what is involved when purchasing that first property.

I can even help you with finding the right property, work with your real estate agent and help with associated paperwork. Whether it is an off the plan purchase, apartment, established house or turnkey property, I will be able to guide you through the process.

Here are some things you need to know:


You will need between 5-20% of your property’s value as a deposit. The bigger your deposit, the smaller your repayments & cost of LMI (Lenders Mortgage Insurance). The other option is for a guarantor loan, which enables you to borrow up to 100% of the property value.

Lenders’ Mortgage Insurance (LMI)

Don’t have 20% deposit? You can still get a loan but you will be required to take out LMI. This insurance protects the bank in case you default on the loan. There is two options to pay LMI, pay it upfront, or capitalize it into your mortgage.

Legal / Conveyancing

You need a solicitor/conveyancer when you buy a property to complete the transaction. We can recommend a conveyancer who can facilitate the settlement.

Government Fees

The price of your property will determine how much you pay for stamp duty, land transfer & other associated fees.


In a competitive market space with multiple lenders around Australia, it is important that you have the right lender and product in place.

Since my 14 years’ industry experience as a finance broker, a number of times I have heard people say I don’t know what my rate is and how much I am paying. I certainly encourage people to review their finances on a regular basis. 9 times out of 10, I am seeing people with high-interest rates that could be saving thousands if the loan was adequately reviewed.

Our circumstances can change in an instance, so it is crucial to be in control of your mortgage not your mortgage being in control of you.

Asset Finance

When it comes to growing your business and having the right equipment available, Asset Finance is a great solution for business or private use. Choosing the right type of finance can help save you time and money to grow your business.

We specialise in the following:

  • Car loans
  • Boat loans
  • Commercial equipment
  • Farming equipment
  • Yellow goods financing

Our providers ensure quick turnaround times generally within 48 hours and have competitive interest rates.

Commercial Loans

We have access to specific loans that are designed with flexibility to help achieve your business goals, whether it’s expansion of an existing business or acquiring a new commercial property.

Through my experience and extensive network of lenders, we offer you unparalleled direct access to commercial loans that can match your specific requirements even in difficult or complex times. We understand that every commercial loan is different and can also be affected by a wide range of variables, which may require extensive structuring to secure the appropriate solution.

Types of commercial loans:

  • For purchase or refinancing of commercial real estate, industrial and retail assets for either owner-occupiers or investors.
  • Non-recourse facilities, where director guarantees are not available and the only security offered is the property itself.
  • Experience in specialised real estate assets such as pubs, hotels, motels, industrial and manufacturing.

Property Development Loans

We understand property development from the astute small property investor to the major property developer. In a very competitive marketplace with ongoing legislative and economic changes, the astute property developer is looking for ways to make sourcing loans easier and more competitive.

We have our ears close to the ground, working closely with our lenders. Speak to us today so we can provide you the right solution to meet your development needs.

Personal Loans

At Piper Loans we have access to various personal loan providers. We provide short-term personal loans for purposes such as buying a car, home improvements, going on a holiday or even medical expenses. Sometimes bills can be unexpected so it’s important to know that our providers have many options available with quick turnaround times generally within 48 hours.

We can also look to refinance or consolidate existing debt by way of personal loans. Is your credit card debt weighing you down? Do you feel like you need one singular payment to bring your finances back into line? We help many of our customers consolidate existing debts.