DFS is not a lender. We are financial experts who search the home loan and finance markets to find you the most appropriate and cheapest loan we can, and then we can arrange a loan on your behalf.

We use the latest technology to find the best mortgage available from a wide range of lenders. We guide you safely through the ever changing housing loan interest rates and mortgage conditions. We do the homework for you and provide you all the information you need to choose your preferred mortgage.

It costs you nothing to use our Finance Broking service. Nor do you pay us via an inflated interest rate. We are paid from the lenders’ profits. In other words, the banks and other lenders pay us to help you save thousands of dollars in interest repayments. Banks pay a commission to Approved Mortgage Brokers because of the economies of scale that are gained by generating large mortgage volumes.

Investors have unique needs and Investment loans need to suit the investor. Whether you want to invest without all the risks, or accelerate your wealth by leveraging your investments, DFS’s range of investment loans can help.

Choosing the right investment loan can prove as difficult as finding the right investment property. With so much choice, it’s hard to know where to begin. Is there any difference between an investment loan from a bank and say, an investment loan from a non-bank source or a credit union? Is it worth paying extra for an investment loan with more features? If you need to borrow a lot of money where should you go? Can you get a discount on the rate if it is a large loan? Because there are so many factors differentiating the many investment loans out there, we help you to consider and list your needs before you set out.

Construction loans are really a version of a standard home loan which rolls out in stages as the different phases of your land purchase and house construction unfold.  While you can readily get a loan for land purchase alone, if you are buying land with a view to construction and require funds for the land purchase, most lenders will try to set up the entire approval process for you from the outset. Your borrowing options are pretty much as broad as the home loan options available and your choices will naturally be driven by your personal situation.

Most construction loans will help you purchase land and construct a residential property. Construction loans can also be used to build on land you already hold. If you’re building a new home or planning major renovations to your existing home, a construction loan is generally the most appropriate funding option.

The main difference between a construction loan and a standard home loan is that instead of a lump sum payment at agreement signoff, the loan is usually drawn down in stages. Payments (or draw downs) coincide with the initial purchase of the land followed by a number of key construction stages.

Is your house crying out for some renovation work? Or have you got your eye on a new set of wheels? Perhaps it's a quick holiday that you're after. Or you may simply need to roll a number of different debts into one. Whatever your goal, DFS you can reach it quickly and easily with a personal loan.

Investing in property is a great way to secure your future. In fact many of Australia's millionaires have created their wealth through real estate. In order to maximise your investment there are many factors you need to consider.

Finding the right investment home loan is almost as important as finding the right property. If you already own a property you may even be able to purchase an investment property without a cash deposit. If you choose the right property your tenant and the tax man will cover the vast majority of your monthly loan repayment.

DFS offer a wide range of options for the property investor. Our service can find the right features to offer you the flexibility and peace of mind you need to maximise your return.

The less you owe on your loan each day, the less interest you pay. At DFS we are experts in mortgage reduction strategies and our aim is to assist you in paying of your home many years sooner and saving many thousands of dollars in interest. There is nothing like owning outright the great Australian dream.
Mortgage reduction strategies can also help you to create equity quickly in your property. This may mean you can purchase an investment property far sooner or purchase your new motor vehicle (without worrying about motor vehicle finance) maybe you would like to send your children to a Private School, plus an overseas holiday would not go astray either. It’s your equity do with it what you choose.

Low or no-documentation loans are exactly what they sound like. These loans require very little or no income documentation to get approval. They are typically used by borrowers who are self-employed, have variable income or do not have tax returns or financial reports.

Low Doc loans are products that allow the borrower to simply state their income. A No-Doc loan is where the borrower does not declare assets or liabilities or income but states their ability to afford the loan repayments.

Sometimes unlucky life circumstances or past mistakes can put borrowers in an adverse position when looking to buy residential property. At DFS, we believe everyone should have a chance to get back on track and will do the work to provide you with that chance. Our intimate knowledge of the non-conforming lending market enables us to guide our non-conforming clients in structuring their debt so as to minimise costs and get back to conforming products as quickly as possible.

Why pay rent when you can own your own home? 100% financing, as it names implies, offers complete financing of your property. There are now a number of lenders that will lend 100% (or more) of the purchase price of a property. Due to the extra risk incurred by these no deposit lenders you must have a good credit record and a good steady income to apply for one of these loans and you must also be able to fully verify your income.

No deposit home loans are now very common. As it gets harder to save deposits for property, more and more no deposit home loans are becoming available at increasingly competitive rates and conditions. Not all lenders offer them for all postcodes in Australia and you will find that no deposit home loans typically come with more 'conditions' and 'serviceability' requirements, but for many Australians, particularly professionals who can service a loan but maybe not save a deposit, no deposit loans are a fantastic way to get out of the rent cycle and into your own property.

DFS has a sister company - SOS Finance whoich offers non conforming borrowers a lifeline.

SOS Finance understand there are a range of circumstances, often temporary, that mean you don’t conform with traditional lending criteria. You may be new to Australia, perhaps self- employed, undergoing a divorce, you may have defaults, judgements, mortgage arrears or have an irregular employment history. Maybe you are worried about debt collectors, living pay check to pay check or you have nothing saved for retirement, consider our services.

SOS Finance genuinely wants to assist you by ensuring you’re not punished by high interest rates and unreasonable finance terms and accordingly offer a comprehensive, fully developed range of mortgage alternatives designed to assist people who falling outside the criteria of traditional lenders. As independent mortgage professionals, they work with specialist lenders on your behalf. So rather than telling you the criteria you don’t fit, they can achieve a finance solution that works for you. For more information visit SOS Finance at www.sosfinance.com.au or phone them on 1300 001 004.

A margin loan allows you to borrow money to purchase shares, so you can access more investment capital and magnify your opportunity for growth. Margin loans are a useful tool for gearing into share or managed fund investments. Fundamentally, they operate as a loan secured against a share or managed fund portfolio, where the lender is protected from falls in the security value by utilising a technique referred to as a margin call.

You may achieve your financial goals faster with a margin loan and be able to take advantage of benefits such as increased earnings potential, improved tax situation and diversity of investments, with access to more capital, you have a wider range of investment choices, giving you a better chance of finding the best-performing assets.

Investors should be aware that gearing is not without risks. While gearing can magnify returns when investment values increase, it can also magnify losses when investment values fall. For this reason it is important that only quality growth investments are selected for a geared portfolio.

Thinking about mortgage refinancing or consolidating your debts? Are your credit card debts getting difficult to manage? If you have a number of loans (i.e. mortgage, credit cards, personal loan, car loan etc) then refinancing your existing mortgage or home loan may be an option for you.

DFS can help you successfully refinance your loans and reduce your personal debt. We realize that every person’s situation is unique and that specialist assistance is required to ensure that each customer receives the best possible outcome.

Unmanaged debt will destroy any attempt to build or maintain wealth. Managed debt can enhance your lifestyle and increase your ability to accumulate wealth. We'll identify unproductive debt and help you reduce or eliminate it.

Your home mortgage is one of the largest debts you will experience in your lifetime. We can show you how to position your debt to benefit you. We'll also help you see when debt might be used appropriately to get you closer to your goals. We work with a variety of Lenders, which enables us to provide you a variety of flexible solutions with the best rates.