Residential, investment and SMSF, commercial and SME, and asset finance — compared across a panel of more than 100 banks and lenders.
Getting into your first home is as much about strategy as it is about rate. We map the deposit, the schemes you may qualify for, and the lenders most likely to say yes.
Structuring-led lending for investors — considering how today's loan affects your ability to buy the next one, and how the 2027 CGT changes treat new builds differently.
Rates move, and so does your situation. We'll compare what you're on against the market — and tell you honestly when switching isn't worth the cost.
House-and-land, knockdown-rebuild or a custom build. Construction lending has its own rules — progress payments, valuations and builder requirements — and we manage them.
Limited recourse borrowing arrangements for self-managed super funds, arranged alongside your accountant and financial adviser.
The genuine differentiator. Commercial credit assessed by someone who has written and approved it inside a major bank and does so now in private lending.
Vehicles, plant, equipment and fleet — for consumers and businesses. Dealership finance is one option, not the only one, and rarely the sharpest.
Not sure whether your current loan still stacks up? We'll review it against the market at no cost and no obligation, and tell you plainly either way.
For select clients whose transaction sits outside conventional bank policy — short-term, bridging or structured facilities where speed and flexibility matter most.
Announced in the 2026–27 Federal Budget, the changes alter how capital gains on residential investment property are taxed — and treat genuinely new dwellings differently to established stock.
We can talk you through how a purchase decision flows into loan structure: interest-only versus principal and interest, offset positioning, lender selection, and how a portfolio is likely to be assessed as it grows.
What we can't do is give you tax advice. We're mortgage brokers, not tax agents. The information here is general only and doesn't take your circumstances into account.
Before acting on any of this, please speak with a registered tax agent or accountant. If you don't have one, we're happy to refer you.
Through our partnership with LMG, we compare across one of the largest lender panels in the country — spanning residential, commercial and asset finance in a single platform.
The lenders most people know, plus the regional and second-tier banks that are often sharper on price or policy.
Lenders built for self-employed income, credit impairment, complex structures and situations the majors won't touch.
Commercial property, business and cashflow lenders, including private credit for transactions outside standard policy.
A dedicated asset and equipment finance panel covering consumer, commercial and fleet lending.
Panel composition changes over time. Not every lender or product is available for every loan type, client circumstance, or Australian state or territory, and we do not compare every lender or product in the market.
The unglamorous part of getting a loan is the admin — and that's where most of the delay lives. We run on MyCRM, the industry's most awarded broker platform, which does the heavy lifting on lodgement and compliance.
For most standard residential home loans, nothing. We're paid a commission by the lender once your loan settles. Where a fee for service may apply — for example on some commercial, private or complex transactions — we'll tell you in writing before you incur any cost, including the amount and how it's calculated.
As a credit representative of LMG Broker Services Pty Ltd, we have access to a panel of more than 100 banks and lenders — from the majors through to specialist, non-bank, commercial and asset finance lenders. That said, we don't compare every lender or product in the market, and not every lender is available for every situation.
No. 4ONE4 Capital is independently owned and operated in South Australia. We partner with LMG for our lender panel, technology and compliance framework, but no bank or lender has an ownership interest in our business, and we're legally required to act in your best interests when providing credit assistance on a home loan.
It may change the strategy behind it. If new builds and established properties are taxed differently on exit from 1 July 2027, that can affect what you buy, how long you intend to hold it, and therefore how the loan is best structured. We can talk through the lending implications — but the tax question itself needs a registered tax agent or accountant.
It depends on the lender and the complexity of your situation. Straightforward residential applications are often conditionally approved within a few business days of a complete submission; commercial and specialist lending typically takes longer. We'll give you a realistic timeframe upfront rather than an optimistic one.
That's often when a broker earns their keep. Self-employed income, trust or company structures, recent credit events, unusual security or complex commercial transactions all have lenders that specialise in them. Having assessed credit from the lender's side, we have a reasonable idea of where a file will and won't get up.
Start with a conversation. No cost, no obligation, no product pitch.