No two owner-occupied home loans are the same. Our role is to help you understand your borrowing options, explain how different loan features work, and support you through to settlement.
How we support you
We help clients purchase their next home by:
- Explaining borrowing capacity and how it may change from your previous loan
- Discussing deposit and equity options, comparing loan features such as offsets, redraw and repayment flexibility
- Managing the application, approval and settlement process
- Supporting the transition if you’re selling and buying at the same time
Planning around selling and buying
If you’re buying a new home before selling your current one, or coordinating both transactions together, lender requirements and loan structures can differ. Timing, cash flow and borrowing limits can all be impacted.
If this applies to you, our buy before I sell section explains how bridging loans work and what to consider when buying and selling at the same time.
Working alongside your advice team
Where refinancing forms part of a holistic financial review, lending considerations are implemented alongside your plan. Decisions around financial and tax advice will be considered within your Ironbark Advice - Financial Advice team as part of your great advice framework.