Home and business loans
We keep financial planning and mortgage broking separate. Home and investment loans are arranged by an independent licensed mortgage broker. If the broker asks us to provide documents, answer tax questions or coordinate on your behalf, the broker may pay us a service fee for that work. We'll tell you before we introduce you, and we only share your information with your permission. We start with your goals, tax position and cash flow, work out what kind of loan fits, then connect you with a broker we have vetted and worked with before. Your accountant and adviser stay involved, so the loan suits your long-term plan, not just today’s rate.
What we cover
Before you talk about products, we look at your goals, borrowing structure and tax position with you.
We only introduce you to brokers we have vetted and worked with before, matched to the type of loan you need.
First homes, upgrades and investment properties, with the structure discussed with your accountant before you sign.
Equipment, vehicles, premises and working capital, arranged through a broker who knows business lending.
We prepare the financial statements and tax returns lenders ask for when your income comes from a business, trust or company.
Offset accounts, loan splits and ownership considered together with your tax position.
Is this for you
How it works
We talk through your plans, timing and concerns.
We look at structure and tax, and get your financials ready.
We connect you with a broker suited to your loan. The broker compares lenders and gives you their Credit Guide.
With your permission, we answer the broker’s tax and document questions so nothing stalls.
A loan affects your tax, cash flow and plans for years. Everglow does not arrange loans itself. We review your situation and plans first, then introduce you to a broker we have vetted and worked with before, suited to your loan.
Understands your goals and how the loan fits your plans before any broker or lender is approached.
Checks the structure and tax effect, such as whether interest will be deductible.
A broker we have vetted and worked with before, with strong ethical standards and technical skills. The broker holds their own credit licence or authority, compares lenders and manages your application to settlement.
Keeps documents and deadlines on track, and stays your contact throughout.
We understand what the loan is for and how it fits your plans, before looking at any lender.
We review your income, commitments and documents, so you know where you stand.
Our accountants check the loan structure and tax effect before you commit.
We introduce you to the vetted broker partner best suited to your loan, and explain why.
The broker compares lenders, checks the loan is in your best interests and explains the recommendation, with all fees and commissions disclosed in writing.
The broker manages the application through to settlement, and we keep your tax and wealth plans in step.
Keep exploring
Book a first meeting with our team at our Chatswood office or online, in English or Mandarin. Or call us on 1300 913 929.
Everglow does not provide credit assistance for these loans. Credit assistance is provided by the broker we introduce you to, under their own Australian Credit Licence or credit representative authority. All loans are subject to lender approval, terms, conditions and fees. General information only. It does not take into account your objectives, financial situation or needs.