Bellhaven compares 30+ banks and lenders, structures the loan around your life, and it costs you nothing. By law, we act in your best interests — not the bank's.
Borrowing power
Slide honestly. The number updates as you go — no email address, no credit check, and nothing is recorded anywhere.
Results, not promises
$4,900/yr
cut from a Paddington couple’s repayments — their own bank wouldn’t reprice until the day we asked.
9days
from first call to unconditional first-home approval for a Nundah buyer — documents ready, lender matched, chased daily.
$2.4M
in land + construction funding for a Camp Hill duplex after two banks read the same numbers and said no.
Real outcomes are personal — these are recent, typical, and yours will be its own. That's rather the point.
Buying a home
Deposit schemes, guarantor options, LMI priced honestly, and pre-approval in place before you fall in love with something. We size what you can borrow — and what you actually should — then hold your hand to settlement.
Check what you could borrow
Refinancing
The loyalty tax is real: the rate you signed two years ago is almost never the rate you’d be offered today. We re-test your loan against 30+ lenders, and if your bank can’t match the market, we move you — paperwork included.
Check what you could borrow
Investment & portfolio
Equity release without cross-collateralising your home. Offsets, splits and interest-only used deliberately, not by default. Whether it’s property two or property seven, the lending structure is what keeps the next purchase possible.
Check what you could borrowBorrowing well should feel calm. Here's the path from first call to settlement — and every year after.
Thirty minutes, free, confidential. What you earn, what you owe, what you’re trying to do — and an honest read on whether now is the right time.
Your scenario modelled across 30+ lenders. You get the recommended structure and the shortlist in writing, with the why.
One application, packaged the way the lender’s credit team wants it, with a single credit enquiry — then chased daily until it’s approved.
Contract, valuation, insurance, settlement booked. We chase the bank so you don’t have to.
Every year we re-test your rate against the market, unprompted. If your lender has drifted, you’ll hear from us first.
Because the bank’s home-loan specialist works for the bank. We don’t.
What it costs you
What you get
What we’re bound by
Real words from people whose loans we look after.
“Our bank said $580k. Bellhaven found us $704,000 with a lender we’d never heard of — same repayments, better rate.”
“Refinanced in three weeks, $410 a month back in our pocket. Should have done it years ago.”
“As a sole trader I’d been knocked back twice. They knew exactly which lender actually reads self-employed income properly.”
“Pre-approved in nine days, and they talked us OUT of borrowing the maximum. You don’t forget that.”
“Every year they check our rate without being asked. This year’s review saved us another $2,300.”
“Third property through Bellhaven. The structure advice has been worth more than the rate.”
Nothing, for standard residential lending. The lender pays us a commission on settlement, it’s disclosed to you in writing, and the rate you get is the same or better than going direct. Under Best Interests Duty we’re legally required to recommend what’s right for you — not whoever pays more.
The calculator on this page? Not at all — nothing is recorded anywhere. A formal pre-approval involves one credit enquiry, made once you’ve decided to proceed, and we’ll tell you before anything touches your file.
Twenty per cent avoids lenders mortgage insurance, but plenty of our clients buy well with 5–10% — through government deposit schemes, a family guarantor, or LMI priced into the loan deliberately. The real answer depends on the price bracket and suburb; a strategy call maps it in half an hour.
Days, if your documents are ready — our record is nine from first call. One to two weeks is typical. Pre-approvals hold for around 90 days and we keep yours warm if the search runs longer.
Usually — but the honest answer is that we test it. We run your loan against 30+ lenders and show you the result either way; sometimes the win is $200 a month, sometimes it’s the structure, and occasionally your bank’s offer really is the right one. You’ll know, instead of hoping.
Book a consult
A strategy call is thirty minutes, free, and completely confidential. You'll leave knowing your real borrowing power, the structure that fits, and whether now is even the right time — no obligation either way.
