John Pierre Saliba — MFAA accredited broker with 10+ years experience and 50+ lenders at his fingertips. Home loans, SMSF, LMI waivers, and investment loans. Always free.
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Get a Free Assessment →From first home buyer to SMSF property investor — we cover every lending situation across 50+ lenders.
Owner-occupied, investment, or refinancing. We find the sharpest rate and right structure from 50+ lenders.
Explore home loans →5% deposit schemes, $10,000 FHOG, stamp duty exemptions, guarantor loans. We navigate every option.
First home buyer guide →Free rate review. We compare your current loan against 50+ lenders and show exactly what you're leaving on the table.
Get a free rate review →Interest-only, equity release, portfolio structuring. We structure your loans to maximise returns and protect your portfolio.
Investment loan options →Limited Recourse Borrowing Arrangements for SMSFs buying residential and commercial property. Complex done right.
SMSF loan details →Progress draw loans for new builds, knockdowns, and major renovations. Staged funding to match your builder.
Construction finance →Family guarantee structures that help buyers get in with a smaller deposit — structured to protect everyone.
How guarantor loans work →Full-doc, low-doc, alt-doc pathways. BAS statements, bank statements, accountant letters. Banks say no; we find yes.
Self-employed options →Owner-occupied premises, commercial investment, SMSF commercial. Specialist lenders who understand business property.
Commercial finance →These are the lending niches most brokers don't understand — and where we shine.
Limited Recourse Borrowing Arrangements let your SMSF purchase residential or commercial property — one of the most powerful wealth-building strategies available to Australians.
Explore SMSF loans →Most banks cap LVR in high-value postcodes. We know which lenders extend 90–95% lending to Sydney's prestige suburbs — even for properties over $2M.
How it works →GPs, specialists, dentists, physios, vets, and more — eligible professionals can borrow up to 95% LVR with zero LMI through our specialist lender panel.
Check your eligibility →BAS statements, business bank statements, accountant letters — we match self-employed borrowers to lenders who assess income correctly instead of rejecting on paperwork.
Self-employed options →An SMSF with a Limited Recourse Borrowing Arrangement (LRBA) can purchase residential investment property or commercial premises — including the premises your own business operates from.
Purchase a residential investment property through your SMSF — rent goes into super, growth is tax-advantaged, and the property passes cleanly to beneficiaries.
One of Australia's most powerful wealth strategies — your SMSF buys the commercial property your business operates from. Rent goes to super instead of a landlord.
Everything you need to know about LRBAs, bare trusts, compliance requirements, and the numbers that make SMSF property work.
Most lenders restrict LVR in high-value postcodes — capping at 70–80% for suburbs like Mosman, Double Bay, and Vaucluse. We know which lenders extend 90–95% LVR to these postcodes, and how to qualify for them.
Medical professionals, lawyers, accountants, and senior executives often qualify for LMI waivers in these suburbs — saving $30,000–$60,000+ on top of the higher LVR access.
Select lenders waive Lenders Mortgage Insurance for eligible professionals — saving tens of thousands upfront. Most borrowers never find out they qualify.
Up to 95% LVR, LMI waived
Save up to $40KUp to 95% LVR, LMI waived
Save up to $40KUp to 95% LVR, LMI waived
Save up to $35KUp to 95% LVR, LMI waived
Save up to $30KProfession-based benefits
Specialist ratesProfession-based benefits
Specialist ratesUp to 95% LVR, LMI waived
Save up to $30KChiros, optometrists, nurses & more
View all →From Barangaroo to Penrith — we know the Sydney property market, lender appetite by suburb, and postcode-specific LVR policies.
Real clients. Real outcomes. A verified 5.0 rating earned one settlement at a time.
"John has been absolutely brilliant! Helped me all the way through the application process and explained everything step by step. Great to have him in my corner navigating through interest rates, products, and everything else."
"John from Lend & Loan was incredible during the process of buying our first home. He was very professional, quick at responding and was happy to answer any questions we had. I would highly recommend him."
"John has been amazing to deal with from the beginning. He has been extremely patient, professional and optimistic throughout the whole process. Can't thank him enough for all his hard work!"
Written by an MFAA accredited broker with 10+ years experience — not a content farm.
LRBAs, bare trusts, compliance, lender policies, and the numbers that make SMSF property work.
Read guide →How to access 90–95% LVR in Mosman, Double Bay, Vaucluse, and Manly — and which lenders will lend there.
Read guide →What LMI costs, who pays it, and the legitimate ways to avoid it including profession-based waivers.
Read guide →Step-by-step guide to switching lenders, calculating your savings, and cashback offers worth taking.
Read guide →The proposed reforms, what they mean for your portfolio, and how to structure loans now.
Read guide →How HECS affects your borrowing capacity, which lenders are most lenient, and strategies to minimise the impact.
Read guide →Free consultation with John Pierre Saliba — MFAA accredited, ACL 511092, 10+ years experience, 77 five-star reviews.
No obligation · Free service · 2hr response · ACL 511092