Home Loans

Piper Loans is not your average finance broking business. We want 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.

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

We have access to a panel of over 40 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 us help you like we have done with many First Homebuyers. We 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 find 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.


There’s an old adage in the mortgage business: if you can improve your interest rate by at least two percentage points, then it is a good time to refinance. While that may work as a general rule, the truth is that there are many reasons to refinance. Here are a few:

Lower your interest rate
This can make a big difference in your monthly out-of-pocket costs for housing and save money on financing fees.

Build equity faster
If you are in a position to make higher monthly payments due to an increase in salary or other good fortune, you may want to switch from a 30-year loan program to a 15- or 20-year loan structure. This enables you to build equity faster and save money on financing fees.

Change your loan program
Some homeowners who start out in a variable rate home loan may find that they would like to switch to the stability of a fixed rate loan. A loan comparison can help you find out if you can save money with another type of loan option.

Take advantage of improved credit score
If your credit score has improved as a result of making your mortgage payments on time and in full, you may be in a position to take advantage of your improved credit standing. We can review your current credit score, the terms of your existing mortgage, and review options for other loan programs that could not only reduce your monthly payment but also save you money on interest fees paid over the life of the loan.

Use the equity you’ve established
A cash-out refinance allows you to tap into the equity you have built up in your home. You may want to pay off debt, send a child to college, or use the money for home improvements. And, if you are currently paying for mortgage insurance and your loan-to-value has decreased, you may qualify for a loan without mortgage insurance.

Regardless of your reasons for wanting to refinance your existing mortgage, we can help you make a decision that works best for 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.