Home Loans

Home Loans

We are very good in lending!

We can get you the best rate loan for your needs from a variety of lenders, and as accountants, we can ensure that your finance facility is set up in the right way to maximise any tax deductions if available.

We need to be involved in any conversation you have regarding loans or equipment finance for your business!

As your accountants, we understand your full financial position and provide tailored advice to support your goals.

We believe we should be part of every conversation around loans or equipment finance, especially for your business. With our in-depth knowledge of your finances, we’re ideally placed to recommend the right home or investment loan, and structure leases, hire purchase, or chattel mortgages for the best GST and tax outcomes

Important: Banks and loan brokers are not authorised to provide tax advice—but we can offer both lending and tax guidance in one place.

We source the right finance and structure it for asset protection and long-term success, whether you’re buying a home, investing in property, refinancing, or consolidating debt.

You could save significantly with the right loan strategy:

Refinancing to a lower rate: Even a 0.5% reduction on a $500,000 loan can save substantial interest over time.

Debt consolidation: Combine high-interest debts into one lower-rate loan, reducing repayments and improving cash flow.

Improved cash flow: Use savings to make extra repayments and reduce debt faster.

Reward benefits: Some lenders offer Qantas Frequent Flyer points, giving you added value as you repay your loan.

Optimised loan structures: Use strategies like split loans to separate deductible and non-deductible debt, improving tax efficiency.

Using equity to invest: Unlock the equity in your home to invest in property or shares, while structuring loans to maximise future tax benefits.

With the right structure and advice, you can save money, reduce tax, and build long-term wealth through smarter lending decisions.

General advice disclaimer

The advice provided is general advice only as, in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.

Only lending advice provided by CeebeksTM Financial Solutions is associated with Outsource Financial Ltd Credit Representative 396061.

Chris Beks is a director of Ceebeks™ Financial Solutions and a Credit Representative (credit representative no. 396061) of Outsource Financial Ltd Limited ABN 42 131 090 705; Licence Number 384324, an Australian-owned and operated Aggregator. Chris is authorised to provide personal credit advice. For more information, you can read our Credit Guide or contact us for more information on our available services.

FAQs:

While 20% avoids Lenders Mortgage Insurance (LMI), we have options for as little as 5% (or even less for certain professionals).

Yes. We specialise in “Self-Employed” loans. We know how to explain your tax returns to the bank to show your true borrowing power.

It’s a bucket of money that sits against your loan to reduce the interest you pay. It’s one of the best ways to pay off your home years earlier.

Fixed gives you certainty; Variable gives you flexibility. Often, a “split loan” is the best of both worlds.

We aren’t a bank. We compare over 30+ lenders to find the one that fits your “Mission,” not the one that makes the bank the most profit.