Residential & Investment Loans

Whether you're buying your first home, moving up, or refinancing, we help you find a loan that fits your situation, not just the first one you qualify for.

Overview

Finding a home loan that fits

Buying or refinancing a home is one of the biggest financial decisions most people make, and the right loan structure matters as much as the interest rate. Lendwise Group works with first home buyers, upgraders, downsizers and investors across Melbourne to find residential lending that suits both today's budget and where your circumstances are headed.

Manish spent over a decade as a senior leader in banking before moving into broking, so he understands what lenders look for in an application and prepares your file with that in mind.

As an authorised Credit Representative under Connective, Lendwise Group can compare options across a wide panel of lenders rather than being limited to a single bank's products.

What we help with

  • First home purchases, including information on government grants and schemes. Eligibility is decided by the relevant government agency.
  • Upgrading, downsizing or moving to your next property
  • Lending for investment property purchases
  • Refinancing review: we check whether switching is in your interest, taking into account rates, features and switching costs.
  • Construction and renovation lending
  • Self-employed and complex-income applications

Common questions

How much can I borrow?

Borrowing power depends on your income, expenses, existing debts and the lender's own assessment criteria. Rather than guessing, we work through your actual position together to give you a realistic estimate, not just the highest figure a calculator can produce. The final amount is always decided by the lender after its own assessment.

Do I pay for your services?

No. There's no broker fee for home loans. Lendwise Group is paid a commission by the lender once your loan settles. Details of fees and commissions are in our Credit Guide.

What's the difference between using a broker and going straight to my bank?

Going direct means you see one lender's products. As a Credit Representative of Connective, we can compare loans from a panel of lenders on your behalf. This panel doesn't include every lender in the market. We also manage the application and communication with the lender for you.

Calculators

Run the numbers

Borrowing capacity calculator

These calculators are for illustrative purposes only. Results are estimates based on the information you enter and the assumptions built into each calculator. They do not constitute advice, a quote or a guarantee of a loan approval, and they don't take into account your full financial situation. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.

Send an enquiry

Tell Manish about your home loan

Share a few details for a complimentary, no-obligation lending consultation. Manish will be in touch, usually within one business day.

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What happens next

  1. You send your detailsUse the form, or call if you'd rather talk.
  2. Manish reviews them personallyNo call centre and no handoff.
  3. He calls youUsually within one business day.
  4. You decideThere's no obligation to proceed.
Manish Mishra

Prefer to call?

Manish Mishra, Director

22+ years in banking and finance, including more than a decade as a senior leader in banking. You'll speak with Manish directly.

Call 0408 987 547
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Request a call back

Leave your details and Manish will call you, usually within one business day.

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