Your Partner in Building Wealth Through Property

We are lending specialist who can help you get the loan that is right for you

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Wealth Station are lending specialists who focus on helping you achieve your property goals

Access 50+ bank and non bank lenders

At Wealth Station, we have relationships with 50+ lenders, giving us hundreds of loan options. We’ll find the right one that fits your needs.
We find out your needs and tailor a solution for you

We take a holistic approach to assess your financial situation and goals, ensuring you get a home loan tailored to your needs.
We will do all the heavy lifting

Did you know that there are loan products for just about every situation out there: Alt doc, Self-employed, SMSF, Quick refinance, Cashout refi, 1-payslip loans, Home Deposit loans. Getting a loan can be challenging and complicated. Let our expert team find the right loan for you.

Loan Types

We can find residential and commercial loans for you. These are just some of a few loan types we can help you with.

First Home Buyer Loans

Are you looking for help to purchase your first home? We guide you through process and see if you can access First Home Buyers Grants.

SMSF Loans

Are you thinking of purchasing a property through a Self Managed Super Fund? We have lenders waiting to do a deal with you today!

Self Employed Loans

Are you self-employed and believe it is difficult to get a loan? We believe it can be easier. So speak to our specialist today.

Commercial Asset Finance

Do you require business financing to help grow and expand your business? Speak to us today and we'll find the right commercial lender for you.

Case Studies

We are part of a lending group that writes thousands of loans per month. Here are some stories from our lending group

Michael refinanced and saved thousands

We refinanced Michael's loan from 5.75% to 4.28%, saving him almost $600 per month. This means he will pay off his loan 4.5 years sooner.

Jenny buys her first home

Jenny was straight out of university and had only started her job for 4 weeks. We were able to find a lender who approved her loan and allow Jenny to buy her first property. She also was eligible for a $2000 rebate.

Helping Bruce with his first investment property

Bruce and Sarah wanted to purchase their first investment property, but wanted to do in a low risk way. We helped them structure their loan to ensure their property was cashflow positive.

Selling and upgrading

Samuel and Mel wanted to upgrade their home but wasn't sure if they should sell and buy or rent their home and buy. We ran through various scenarios and discovered the best solution was to sell and upgrade. This gave them extra cash for an investment property.

Frequently Asked Questions

Over the years, we have had a lot of questions about loans and loan products. Here are the frequently asked questions that will help you navigate your way to success.

What is LVR?

LVR stands for 'Loan to Value Ratio' and it's the amount you're looking to borrow, calculated as a percentage of the value of the property you want to buy. For instance if you’re borrowing $400,000 to buy a $500,000 property, your LVR would be 80% (because $400,000 is 80% of $500,000). Generally we want to stay at or below 80% LVR.

What is LMI?

If your LVR is above 80% (that is, you're looking to borrow more than 80% of the value of the property you want to buy), you may need to pay Lenders Mortgage Insurance (LMI). This insurance protects the lender if you default on your home loan. Generally speaking the higher your LVR, the more LMI will cost. However, there are ways to borrow more than 80% but not pay LMI.

Call us and let us tell you about these strategies.

What's the difference between Principal and Interest vs Interest Only loans?

If you choose interest only, the minimum payment amount on your loan will be lower during the interest only period because you are repaying the interest on the loan (your owing balance does not reduce). You will have to repay the principal down the track and so you may end up paying more over the life of your loan. There may be additional restrictions on the amount you can borrow or loan type you can select if you choose to pay interest only. Choosing to repay principal and interest means that, with each repayment, you're paying off interest charges as well as some of the loan principal.

We can guide you as to which option suits your situation the best - Call us today!

What is an offset account?

An offset account is an account that is linked to your loan account. The money you keep in the offset account reduces the interest charged on your loan because it offsets the amount you owe. For example, if you have a $300,000 mortgage and $20,000 in your offset account, you'll only pay interest on $280,000. This helps you pay off your loan faster and save on interest costs, making it a smart tool for managing your mortgage efficiently.

Many other loan features exist that can help you save - call us now to discuss!

What is equity?

Equity is the value you own in your property, which is the difference between your home's market value and what you still owe on your mortgage. For example, if your house is worth $500,000 and you owe $300,000, your equity is $200,000. Equity is useful because you can borrow against it to finance renovations, invest, or consolidate debt. It helps you leverage the value of your property to achieve other financial goals.

Call us today and we can look at your equity and portfolio to maximise your borrowing!

How can I maximise my borrowing capacity?

There are many ways to increase your borrowing capacity. Some include reduce personal debts (HELP debt) or credit card debts. Increasing income also helps, however this may take some time. Using untapped equity in your home or other properties or increasing rent on your investment properties could also help.

We can discuss these strategies and many others to help you maximise your borrowing capacity. Call us today!

Team

We have 20 years of combined experience

We are part of one of Australia's largest broking group that writes 10% of all loans each month. Our team has a combined experience of over 20 years.

Huyen Nguyen

Relationship Manager

Vicky Nguyen

Principal Broker

Stuart Ngo

Broker