Seven specialties. One steady hand.
Whatever the scenario, the method is the same: understand your position properly, shop 50+ lenders, and recommend in plain English — with everything disclosed in writing.
Your first home, without the overwhelm
Deposits, schemes, pre-approvals, lenders mortgage insurance — buying your first home comes with a vocabulary nobody taught you. We translate it, build a plan around your savings and income, and stay on the phone through auction day nerves.
- Home Guarantee Scheme & first home buyer concessions — checked for eligibility, applied for you
- Low-deposit options from 5% genuine savings, and family guarantee structures
- Pre-approval that means something — assessed, not just a website estimate
Lending structured for the next purchase, not just this one
Plenty of investors stall at property two — not because they can't afford it, but because their lending was set up wrong at property one. We structure loans, equity and lender selection so your serviceability lasts the journey.
- Equity release and cross-collateralisation avoided where it doesn't serve you
- Lender sequencing — using the right lenders in the right order to protect capacity
- Interest-only, offset and tax-aware structures coordinated with your accountant
Loyalty is expensive. Reviews are free.
If you haven't reviewed your loan in two years, odds are you're paying a loyalty tax. A refinance review compares your rate, fees and structure against the whole panel — and if staying put is genuinely best, we'll tell you that too.
- Rate and fee comparison across 50+ lenders, including your current one
- Debt consolidation and cash-out for renovations, handled carefully
- Fixed-rate expiry planning — start about three months before the cliff
Your income is real. Some lenders just read it badly.
Add-backs, retained profits, one good year after a COVID dip — self-employed income rarely fits the standard template. The difference between a decline and an approval is usually lender choice, not your business. This is Ancora's home turf.
- Full-doc, alt-doc and low-doc pathways matched to your financials
- Lenders who accept one year of financials — or read add-backs generously
- Works directly with your accountant so you're not the messenger
Bigger house, same calm
Upgrading means juggling two properties, one timeline and a family in the middle. Whether you buy first or sell first, we structure the finance so you're never forced into a fire sale or a rushed purchase.
- Bridging finance — when it makes sense, and the cheaper alternatives when it doesn't
- Equity from your current home put to work as the deposit on the next
- Settlement timing coordinated with agents and conveyancers
Property inside super, done by the book
Limited recourse borrowing arrangements (LRBAs) let an SMSF borrow to buy property — but only a handful of lenders play in this space, and their policies differ sharply. We arrange the lending side and work alongside your accountant and financial adviser, who advise on whether the strategy suits your fund.
- Residential and commercial property within SMSF structures
- Specialist lender panel — policies, liquidity tests and contribution rules navigated
- Coordination with your accountant, adviser and fund trustee documents
Premises, sheds, shops and the deals between
Commercial lending is a negotiation, not a menu. Rates, terms, covenants and valuations all move depending on the lender and how the deal is presented. We package your position properly and negotiate lender-direct — for owner-occupiers and commercial investors alike.
- Owner-occupied premises — often with less deposit than you'd expect
- Commercial investment property, from suburban shopfronts to industrial
- Lease-doc and alt-doc options where standard servicing doesn't fit
Not sure which one is you?
Most clients are two of these at once. Start with a free strategy call and we'll sort the path from there.