ELEVATE YOUR PROPERTY DREAMS INTO REALITY
Tailored lending strategies for first home buyers, young professionals and investors.
Take Your First StepFree Property Finance Blueprint
Most buyers either overestimate what they can borrow, or structure their loan incorrectly - costing them years of financial progress.
Get instant access to the exact tools and frameworks we use to help clients understand their borrowing power, structure their loan correctly, and move forward with confidence.
Bought Their First Home At $1.25M With $0 Deposit
How a parental security guarantee replaced $320k in cash with equity for these first home buyers.
An Investor Bought Their Second Property With $0 New Savings
How $190k of unlocked equity funded the next purchase - no fresh deposit needed.
Know Your Numbers Before You Move
Borrowing capacity, funding, repayments, refinance - four free calculators.
The Step-By-Step Home Buyer Plan
From borrowing position to settlement - the full first-home buyer process.
Home Loans And How Brokers Help
Loan types, broker value, and the questions to ask before you commit.
Structure Your First Investment Loan
Gearing, loan types, costs, and positioning for the next purchase.
This Month In Property And Lending
Rates, lender policy shifts, and market movements - monthly, in plain English.
Frequently Asked Questions
Clear, practical answers to the questions buyers and investors most often ask before engaging a broker, making a move, or structuring finance.
Our services are provided at no cost to you. We are remunerated by lenders once your loan settles, allowing us to provide guidance and support throughout the lending process without charging clients directly.
When you go directly to a bank, you're only ever seeing one lender's products - and their job is to fit you into what they offer, not find what's right for you. As mortgage brokers, we work across a panel of 40+ lenders and our only obligation is to act in your best interest. That means we can compare products across the market, identify lenders whose policies suit your specific situation, and structure lending that supports not just the purchase in front of you - but the financial position you're building toward.
We are accredited with 40+ lenders, including major banks, non-bank lenders and specialist institutions. This allows us to explore a wide range of lending options when structuring finance for our clients.
The first meeting is simply a conversation about your property plans, financial position and lending goals. We'll explore potential lending strategies, answer any questions you may have, and outline the next steps should you decide to proceed.
It's helpful to have a general understanding of your income, existing liabilities and property plans. However, the initial discussion is primarily about understanding your situation, so detailed documentation is not required at this stage.
Still Have Questions?
Learn more about our approach, what we do for our clients, and how we structure lending to support both the purchase in front of you and the plans that follow.
Lawrence
Banh
Principal Mortgage Broker
Lawrence founded Banh & Co. Capital with a clear belief: property finance should be structured thoughtfully, not rushed through for approval.
Since entering the mortgage industry in 2020, he has worked across a wide range of lending scenarios, helping first home buyers, investors, and developers navigate residential, investment, construction and SMSF lending. Over that time, he has been involved in structuring hundreds of loan applications across transactions ranging from straightforward purchases to more complex portfolio, self-employed, and development scenarios.
His approach is grounded in clarity, preparation, and long-term thinking. Every recommendation is designed not only to support the purchase in front of you, but the financial direction that follows.
Clients work directly with Lawrence throughout the entire process - from initial discovery through to settlement and beyond - ensuring consistent guidance, responsive communication, and a personalised experience at every stage.
"The right structure should serve both the purchase in front of you and the plans that follow."
- Lawrence Banh, Founder