Finance Strategies That Win

For First Homes, Refinancing And Property Investment

(National Reach, Perth Expertise)

Practical lending, smarter structures, and a dedicated team that gets you approved - faster.

20+ Years Experience

8000+ Clients Helped

Get Your Free Strategy Call

Tell us what you want to know

Applications reviewed within 48 hours

Why Our Services Matter Right Now

Perth and many Australian markets have seen strong price growth and tight rental - that means opportunity, but also risk if your finance is the wrong structure.

We combine local market insight with national lender relationships to get outcomes like lower payments, approved investor loans, faster settlement and real cashflow improvements for clients.

$960M+ in loans settled

The Real Problems Our

Clients Face (and How We Fix Them)

Paying Too Much?

Problem: “I can’t tell if I’m paying too much or locked into the wrong loan.”

Fix: We audit your loan, model exact savings for the next 1-5-25 years and show the break-even on any fees so you can decide with confidence.

Endless Delays?

Problem: “Banks don’t understand my FIFO/rostered/contract income.”

Fix: We prepare lender-ready dossiers and match you with lenders who accept rostered income, increasing approval chances and borrowing power.

Getting Rejected?

Problem: “The home-buying process feels overwhelming.”

Fix: We handle lender comparisons, documents, settlement coordination and explain each step in plain English so you’re confident and in control.

Confused by Options?

Problem: “I want to invest but don’t know how much equity I can safely use.”

Fix: We stress-test scenarios (interest rises, vacancy, maintenance), recommend structures (individual/trust/SMSF) with your accountant, and map the path to cashflow-positive outcomes given Perth yields.

Our Services - Exactly What You Get (With Outcomes)

First Home Loans

Refinancing & Restructuring

Property Investment Loans

FIFO & Shift Worker Finance

Construction Loans

Business & SMSF Loans

Debt Consolidation

Other Loans

The Croft Money

Advantage - Team, Process & Trust

20+ Years Experience

8000+ clients, $1.2 Billlion settled

Real Team Support

Broker + analysts + client manager

National Reach

Local market, nationwide service

Transparent Process

Clear pricing, no surprises

Our Simple Process

Apply

Submit your details

Strategy Call

Free consultation

Lender Package

We prepare everything

Lodgement

Submit to lenders

Approval & Settlement

Celebrate success

Frequently Asked Questions

How long does it take?

Pre-approval can be days; formal approval and settlement typically 2–8 weeks depending on case complexity and lender.

Do you charge fees?

We’re transparent - many standard loans are broker-commissioned on settlement; complex corporate/SMSF or advisory work may incur a disclosed fee.

I’m FIFO / contractor / self-employed - can you help?

Yes — we specialise in non-standard income and know which lenders will view your income fairly.

Ready to Take Your Next Financial Step?

We work with Australians who are financially ready - with stable income and either a deposit saved or equity in their property. If that’s you, let’s talk.