Gravity Financial
40+ Lenders Compared

Lending Solutions Built for
Every Property Milestone.

Whether you are purchasing your first home, growing an investment portfolio, or seeking commercial debt, our senior brokers negotiate the sharpest terms on your behalf.

Residential

Residential Home Loans

Securing your dream home with bespoke lending structures and premier rates.

Whether you're purchasing your first home, upgrading the family residence, or downsizing, we compare hundreds of products across 40+ lenders to secure the most competitive structure.

Key Highlights:
Access to 40+ Top Australian Lenders
Full Offset & Redraw Optimization
Auction-Ready Pre-Approvals
Full Service GuideMost Popular
Investment

Investment Property Loans

Strategic loan structuring engineered to maximize tax efficiency and portfolio growth.

Build your wealth with confidence. We structure property investment loans to optimize borrowing capacity, cash flow, and tax deductibility — whether acquiring your first property or expanding an existing portfolio.

Key Highlights:
Uncross-Collateralized Security
Interest-Only & Tax Structuring
Equity Release & Deposit Sourcing
Full Service GuideWealth Strategy
Residential

Refinancing & Rate Renegotiation

Stop paying the loyalty tax. Squeeze thousands off your mortgage every year.

Thousands of Australians overpay their mortgage every month due to bank loyalty taxes. Our refinancing specialists review your current loan, unlock lower interest rates, release equity, and negotiate cashback rebates.

Key Highlights:
Substantial Interest Rate Reductions
Cashback Rebate Sourcing
Debt Consolidation
Full Service GuideInstant Savings
Commercial

Commercial & Business Finance

Tailored commercial property, working capital, and expansion funding for Australian business.

From purchasing commercial premises and refinancing business debt to securing equipment leases and working capital facilities — we connect business owners and corporate entities with the right lenders and terms.

Key Highlights:
Commercial Freehold Funding up to 80% LVR
Low-Doc & Alt-Doc Facilities
Customized Debt Structuring
Specialist

SMSF Property Lending

Leverage your superannuation to invest in commercial or residential real estate.

Purchasing property inside a Self-Managed Super Fund (SMSF) requires specialist compliance, Limited Recourse Borrowing Arrangements (LRBA), and bare trust knowledge. Our accredited brokers navigate the intricate lending guidelines on your behalf.

Key Highlights:
LRBA Compliance Expertise
Commercial Property from 80% LVR
Residential Property from 70-80% LVR
Commercial

Car & Equipment Asset Finance

Preserve your working capital with flexible financing for vehicles, machinery, and equipment.

From luxury passenger vehicles and commercial fleet cars to yellow goods, medical equipment, and IT infrastructure — we secure competitive asset finance structures tailored to your cash flow and tax position.

Key Highlights:
Rapid 24-48 Hour Approvals
Tax-Effective Chattel Mortgages
Preserve Working Capital
Residential

First Home Buyer Specialists

Your expert guide through government grants, 5% deposit schemes, and stamp duty savings.

Buying your first home is a monumental milestone. We guide you through government guarantee schemes, First Home Owner Grants (FHOG), stamp duty exemptions, and guarantor structures to get you into the market sooner.

Key Highlights:
Access Government 5% Deposit Schemes
Stamp Duty Exemption Navigation
Guarantor Loan Structuring
Full Service GuideGovernment Grants
Commercial

Construction & Development Finance

Specialist funding solutions for residential builds, duplexes, and multi-unit developments.

Residential and commercial development projects demand sophisticated funding structures. We partner with experienced property developers and first-time builders to source progress-draw construction finance, mezzanine debt, and private lending.

Key Highlights:
High Loan-to-Cost (LTC) Facilities
Progress Draw Management
Flexible Pre-Sale Requirements
Specialist

Medico & Professional Loans

Exclusive lender policies, 90-95% LVR with zero LMI, and elevated borrowing power.

Medical practitioners, dental specialists, legal partners, and chartered accountants qualify for tier-one lender privileges. We unlock zero-LMI policies up to 90-95% LVR and generous income shading exemptions.

Key Highlights:
Zero Lenders Mortgage Insurance up to 90-95% LVR
Complex Income & Locum Recognition
Commercial Medical Freehold Financing
Full Service GuideLMI Waiver (Save $40k+)

Not sure which loan structure is right for your scenario?

Speak directly with an accredited senior broker for a scenario assessment across 40+ lenders.

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