Finance · Next Step Financing
Lending that fits the plan you have already made
Home, investment, construction, SMSF, commercial and business lending — compared across a broad panel, with the loan structured around your tax position rather than the rate of the month.
Part of the IR Property Group one-roof team
Separate businesses. One roof. One plan.
What we arrange
Every loan type has its own page with who it suits, documents and common mistakes.
Five questions to a clearer starting point
Mission, employment, target, timing and details — the same five things a broker asks in the first call. No credit check.
Pathfinder
Five questions to a clearer starting point
Step 1 of 5
Mission
What are you trying to do?
Six stages from numbers to keys
The order matters, particularly for self-employed applicants and construction lending.
- 01
Stage 1
Know your numbers
Borrowing capacity, deposit and the real cost of the purchase — before you inspect.
- 02
Stage 2
Pre-approval
Documents gathered once, lender selected, and a pre-approval you can shop with.
- 03
Stage 3
Find the right property
Search criteria that match what lenders will actually accept as security.
- 04
Stage 4
Make an offer
Contract conditions, finance clauses and the timing that protects your deposit.
- 05
Stage 5
Formal approval
Valuation, lender conditions and insurance coordinated in one window.
- 06
Stage 6
Settlement and keys
Settlement booked, funds confirmed, and the loan reviewed in the first year.
Work the numbers before you talk to anyone
Borrowing power, repayments, refinance savings and upfront costs.
Borrowing power
Borrowing power
Estimated borrowing
$648,000
Before deposit
Indicative purchase capacity
$818,000
Loan plus deposit
Estimate only — not credit assistance, a quote, a pre-approval or an approval of credit. Lender criteria, fees and government scales apply. as at 15 November 2026.
Repayment
Repayment
Monthly repayment
$0
Principal & interest
Fortnightly
$0
Interest over the term
$0
Estimate only — not credit assistance, a quote, a pre-approval or an approval of credit. Lender criteria, fees and government scales apply. as at 15 November 2026.
Refinance saving
Refinance saving
Current repayment
$0
Per month
New repayment
$0
Per month
Monthly saving
$0
Over three years
$0
Estimate only — not credit assistance, a quote, a pre-approval or an approval of credit. Lender criteria, fees and government scales apply. as at 15 November 2026.
Stamp duty
Stamp duty
Estimated duty
$46,070
Full rate, no concession
Possible first-home concession
Not applied
Concession thresholds change
Estimate only — not credit assistance, a quote, a pre-approval or an approval of credit. Lender criteria, fees and government scales apply. as at 15 November 2026.
as at 15 November 2026
Estimate only — not credit assistance, a quote, a pre-approval or an approval of credit. Lender criteria, fees and government scales apply. General information only. It does not take into account your objectives, financial situation or needs, and is not personal financial, credit, tax or legal advice.
Where indicative rates sit
A sample trend to show the format. Rates move with funding costs and lender policy, not on a schedule.
Rate trend
Indicative new-loan rates
as at 15 November 2026
Indicative only, not an offer, quote or approval. Actual rates depend on lender assessment, loan size, security and your circumstances. Comparison rates are available on request.
Lenders we compare
A broad panel matters because policy differs: one lender's exception is another's decline.
43 lenders shown. Panel lender list subject to change and availability — not every lender suits every scenario.
The commission question, answered plainly
For most home and investment loans, our service costs you nothing. The lender pays a commission after settlement, and we disclose the amount and the alternatives in the credit proposal.
Where a specialist facility carries a fee — some commercial, SMSF and asset finance deals — it is quoted upfront, in writing, before any work begins.
We operate under the best interests duty, which means the recommendation must be in your interest, documented, and explainable. If a cheaper option exists that we are not recommending, the reason is written down.
What you receive
- A written credit proposal with the recommended lender
- Commission and any fee disclosed in dollars
- The alternatives considered and why they were not chosen
- A documented reason for the recommendation
Lending words, in plain English
- LVR
- Loan-to-value ratio — the loan as a percentage of the property's value. Above 80% usually attracts LMI.
- LMI
- Lenders mortgage insurance. It protects the lender if you default; it is not cover for you.
- Genuine savings
- Money held in your own name for a period, which lenders accept as evidence of saving capacity.
- Offset account
- A transaction account linked to the loan that reduces the interest calculated. Usually more flexible than redraw.
- Interest-only
- A period where repayments cover interest only. Useful for investors; it does not reduce the debt.
- Alt-doc
- Lending assessed on alternative income evidence — accountant letters, BAS or bank statements rather than payslips.
as at 15 November 2026
General information only and not credit assistance. Estimates are not an offer, quote or approval. Lending is subject to lender approval, terms, fees and charges. Next Step Financing Pty Ltd (ABN 77 680 857 416, Australian Credit Licence 384704, Credit Representative 563367).
How a referral between businesses works
When the right next step sits with another business in the group, we ask you first. You decide whether the introduction happens.
- Client consent first — nothing about you is shared with another business without your agreement.
- Each business advises only within its own licence. IR Property does not give tax or credit advice, GBS advises on tax and accounting only, and Next Step Financing provides credit assistance only.
- Any referral fee, commission or benefit paid between businesses in the group is disclosed to you before you engage.
Common questions
Start with a conversation
One free consultation. Three services. No obligation.
Tell us what you're trying to do and we'll tell you plainly whether property, accounting, finance — or all three — is the right starting point.
Property notes, once a month
Market movement across Melbourne and regional Victoria, tax changes worth knowing about, and lending shifts explained without the spin.