D&L CAPITAL

Entering the property market can present challenges. Dealing with real estate agents, attending inspections, and sorting through various loan options can feel overwhelming. We alleviate the pressure of buying your first home or investment property by offering top-notch education and supporting you throughout the entire process.

We are dedicated to enhancing your wealth. Whether you're a novice buyer or seasoned investor, we possess the skills and knowledge to cater to your requirements and handle even the most intricate property investment transactions. Additionally, we specialize in refinancing and optimizing current loan portfolios to enhance your cash flow and maximize your savings.

We collaborate with expanding families aiming to upsize or set on acquiring their ideal home. The process of buying and selling a home can be intricate, particularly when dealing with your most valuable asset. We assist you in assessing your options between buying and selling, navigating timing considerations, and ensuring a stress-free financing process, allowing your house to quickly transform into a home.

Transitioning from selling your home and downsizing can feel overwhelming, particularly when parting with your most significant asset. We provide support in comprehending your financial choices and handling the process on your behalf, enabling you to downsize and access the equity in your home with assurance.

Are you a self-employed individual seeking financing for your next home or investment property? Do you find yourself uncertain about your borrowing capacity or worried that the bank might struggle to grasp your financial records? We specialize in assisting self-employed clients and entrepreneurs in navigating the home lending process, securing the most favorable home loan terms available. Our dedicated efforts involve thoroughly comprehending and presenting your application in the most robust manner possible, ensuring its approval by the bank.

We simplify the process for eligible Australian Expats to secure financing from Australian banks for purchasing their residential or investment properties. Our offerings encompass assessing your borrowing capacity based on your foreign income, suggesting the most suitable lender, and overseeing the entire process on your behalf. This includes liaising with all relevant Australian stakeholders, including your solicitor, real estate agent, and buyers agent.

We understand that Accountants lead busy lives, immersed in numbers and client relationships. Our expertise lies in restoring time to your schedule by overseeing the entire loan process for you. As a mortgage brokerage firm deeply versed in numbers and intricate structures, we excel in comprehending your needs. Beyond Accountants, we've assisted numerous Actuaries and CFAs in financing their dream homes, building investment portfolios, and optimizing existing lending arrangements.

The experience of owning a brand-new home is incomparable! We've assisted numerous clients in purchasing off-the-plan properties, catering to both first-time homebuyers and seasoned property investors. With our expertise, we are well-versed in the intricacies of settling off-the-plan properties, including which banks offer more favorable lending policies and how to effectively mitigate valuation risks in a sluggish market.

Building a new home presents an opportunity to optimize returns on your property or capitalize on the potential of a vacant land you've acquired. However, the process of building comes with its challenges. Our aim is to streamline and simplify this process as much as possible. Additionally, we can assist you in financing significant renovations for your existing home, such as structural changes like demolishing walls or extending the property.

We've assisted numerous home buyers in entering the property market and understand the challenges of saving for your initial deposit. A family guarantee can expedite your entry into the property market by leveraging the equity in your parents' property to bridge the gap in your savings, eliminating the need for Lenders Mortgage Insurance (LMI). We'll guide you in selecting the most suitable lender for both you and your parents, ensuring a smooth process for the entire family.

Navigating the purchase and sale of your home can present complexities. Occasionally, timing may not align seamlessly. You might discover your ideal home before you're prepared to list your current property. We can alleviate this pressure by facilitating a bridging loan for eligible clients. With this solution, the bank can finance your desired property while you await the sale of your current one.

Have you discovered a property you adore, yet your accountant is struggling to prepare your tax returns promptly? Maybe you earn a decent income but face challenges proving it to the bank. Are you facing rejections due to a less-than-perfect credit history? A specialized loan might be the solution to assist you in securing the funding when it matters most. We recognize the circumstances where a specialized loan is necessary and can guide you through the array of alternative documentation and credit-impaired lending options.