At DIY Lending, we offer a diverse range of loan solutions designed to support your unique financial journey. Whether you’re purchasing your first home, growing your investment portfolio, or financing business needs, our expert guidance ensures you find the right loan – with ease, clarity, and confidence.
Home and investment loans form the backbone of most property purchases in Australia. Whether you’re buying your very first home, refinancing an existing loan, or growing a property portfolio, choosing the right loan can make a significant difference in your financial outcome.
We help you compare a wide range of home loans – from fixed or variable rates to offset accounts, redraw facilities, and more. For investors, we offer tailored solutions focused on cash flow, tax efficiency, and long-term capital growth. With access to over 40 lenders, we negotiate on your behalf to ensure you get the most suitable and competitive option.
Purchasing or refinancing a commercial property? Commercial loans are typically more complex than residential loans, and interest rates are rarely advertised. Pricing is often negotiated based on factors such as loan size, risk profile, business background, and the type of security offered.
At DIY Lending, we help you navigate these complexities with confidence. We take time to understand your financial position, investment goals, and the type of property you’re financing. From structuring the loan correctly to working with your accountant or financial adviser, we ensure everything is aligned for a smooth and successful outcome.
Whether the property is owner-occupied or purely for investment, we’ll connect you with lenders who offer the right combination of flexibility, competitive pricing, and tailored features – ensuring your commercial loan supports both your immediate needs and long – term goals.
Saving for a deposit can be one of the biggest hurdles to homeownership. A guarantor loan allows a family member to offer equity in their property to help you purchase your home with little or no deposit.
This strategy can:
• Allow you to borrow up to 107% of the purchase price
• Avoid costly Lenders Mortgage Insurance (LMI)
• Help you get into the market faster
We’ll walk you through every step, ensuring that both the borrower and the guarantor fully understand the responsibilities and benefits involved.
From work vehicles and vans to construction equipment and office fit-outs, business assets can be expensive, but essential. Equipment and car loans provide a way to acquire the tools you need while keeping your working capital intact.
DIY Lending helps businesses secure quick approvals and flexible terms that match the expected lifespan and usage of the asset. Whether you’re upgrading machinery or expanding your vehicle fleet, we’ll source finance that supports your growth.
Traditional home loan applications can be difficult for self-employed clients or small business owners who don’t have standard PAYG income documentation or up-to-date financial statements and tax returns. That’s where low doc loans come in.
These options allow you to verify income through alternative documents like BAS statements, business bank statements, or accountant declarations. We partner with reputable non-bank lenders who understand entrepreneurial cash flows and offer practical, fast solutions with flexible credit assessments.
Building a new home or undertaking a major renovation? Construction loans allow you to draw funds in stages, aligned with the progress of your build. These loans require specialised structuring to ensure smooth cash flow and minimal delays during construction.
We help you:
• Choose the right lender with flexible drawdown terms
• Understand progress payment schedules
• Liaise with builders and solicitors throughout the process
From land purchase to final completion – we’re with you every step of the way.
As an Australian citizen living and earning overseas, you may still be eligible to borrow in Australia to buy a home or investment property. However, expat loans involve additional complexities such as foreign currency conversion, proof of overseas income, and policy restrictions that vary by lender.
At DIY Lending, we work with lenders who specialise in expat lending. We help ensure your income is accepted, assist with pre-approval from abroad, and structure your loan with long-term investment potential in mind.
Using your Self-Managed Super Fund (SMSF) to invest in property can be a powerful long-term wealth strategy. However, SMSF lending is highly regulated and must comply with both lender policies and superannuation law.
We guide you through every step of the process:
• Determining borrowing capacity based on super contributions and rental income
• Setting up a compliant SMSF structure and bare trust
• Liaising with accountants and financial planners to ensure strategy alignment
• Presenting competitive loan options for residential or commercial property
Key considerations:
• 10–20% deposit typically required
• Rental income, employer contributions and voluntary contributions are factored into serviceability
• SMSF must meet all ATO and ASIC compliance requirements
With DIY Lending, you’ll receive expert guidance to make informed decisions and avoid costly mistakes.
Smart lending solutions for high-income professionals in medicine, law, finance and more.
If you’re a qualified professional – whether employed or self-employed – you may be eligible for preferential loan terms like higher borrowing capacity, waived LMI, and faster approvals. These benefits vary across lenders and depend on your occupation, income structure, and credentials.
At DIY Lending, we understand how to position your profile to secure the most favourable terms. With access to 40+ lenders and deep knowledge of industry-specific credit policies, we’ll ensure your loan is structured to align with your income, goals, and future plans.
We’ll also help confirm your eligibility and match you with the lender best suited to your profession.