Frequently Asked Questions

We've got  the answers

Who is Pacific Advisory?

Pacific Advisory Lending Pty Ltd is a finance broker and debt strategy consultancy providing home-buyers and property investors with expert advice on their lending arrangements, debt structure and cash flow management options. We operate in partnership with Pacific Advisory Wealth Management, a boutique advisory firm providing financial advice to professionals, small business owners and pre-retirees.

Do you provide your own home loans?

No. We have access to hundreds of lending products from more than 30 lenders which means we save you time and stress by shopping around for the best deal on your behalf.

How much does your service cost?

We are remunerated by various financial institutions for arranging loans and we are therefore able to provide our advisory services to you without charge. Any payments made to us are disclosed in the finance broking contract.

How does your finance broking service work?

With so many products available to choose from, looking for the right lending solution can be time consuming and become an additional task on your ‘to-do’ list. Our team of mortgage advisers will do all the research on your behalf and provide you with expert information on the right loan to suit your needs.

Is it possible to buy a house with another person or group of people?

You can either own property as joint tenants where each member of a couple own equal shares of the property or tenants in common where ownership can be divided up according to the relevant interest of each party.

Can you help me make decisions about investment properties?

We can help you understand the cash flow and tax implications of your investment property decisions as well as ensure your strategy aligns to your financial goals and priorities.

What paperwork do I need to have ready for my appointment?

Our advisers recommend you provide recent pay slips, tax returns, personal identification, bank statements and as much evidence as you can gather to demonstrate your financial position and support your application. We have prepared a handy checklist so you know what to bring to your appointment.

How do you determine which loan suits me?

Once we understand your needs and financial objectives, we use unique market comparison software to research lending products from more than 30 lenders. We then present our recommendations to you and the rationale for our selections in a formal loan proposal.

Do you offer finance broking services for commercial property loans?

Yes. We provide specialist lending services to clients seeking to purchase commercial property.

Do I need to pay Lender’s Mortgage Insurance?

This depends on the loan-to-valuation ratio and the relevant policy of each lending institution. We can give you advice on whether Lender’s Mortgage Insurance (LMI) affects you and whether there are any options to avoid the need for LMI.

Which lending institutions do you have access to?

We source loans from more than 30 different providers which means you have peace of mind that the solution we recommend is most appropriate for your individual situation.

What is the benefit of using Pacific Advisory Lending to help me choose a loan?

Not only do we help you choose the right loan, we provide advice on how best to structure your lending arrangements to maximise flexibility and reduce risk. Once your loan is in place we develop a rapid repayment plan so you can pay your loan off faster.

Do you offer any other financial services?

As a client of Pacific Advisory Lending you also have exclusive access to wealth management advice on super, insurance and investments through our partnership with Pacific Advisory Wealth Management.