McCoy Finance · Mortgage Brokers

What are you looking for?

Choose your path.

Home Loans First-home buyers, upgraders, pre-approvals Investment Loans First-time investors, portfolios, SMSF Construction Loans House & land, knock-down rebuilds, major renos Self-Employed Sole traders, contractors, company directors Refinancing Rolling off a fixed rate? Let's check. Asset Finance Vehicles, equipment, business fit-outs

For first-home buyers and next-home buyers

Your Home Buyer's Roadmap.

We work through what you can borrow today, the schemes you might be missing, and the lenders most likely to back you. The Roadmap shows you exactly what to do next, and what to skip.

What's in your Roadmap

Your real borrowing power, and the levers that lift it
Grants, schemes and bridging options for your state
The mistakes that quietly cost buyers the most
A shortlist of lenders most likely to back your profile

No credit check. No obligation. Just a real conversation.

Book your strategy call

This is my *

Name *

Email *

Phone *

State *

Looking to buy in *

20 minutes. No cost, no credit check.

For first-time investors, portfolio builders, and SMSF

Your Investment Lending Snapshot.

We model your real borrowing power, surface the lenders that treat rental income well, and pressure-test the structure underneath. The Snapshot tells you which lenders to approach, in what order, and on what terms.

What's in your Snapshot

Your real borrowing power across your existing portfolio
Which lenders treat rental income best for your profile
Structuring that actually works: offset vs redraw, IO vs P&I, traps to avoid
SMSF lending pathways if that's on your radar

No credit check. No obligation. Just a real conversation.

Book your strategy call

I'm a *

Name *

Email *

Phone *

State *

Looking to invest in *

20 minutes. No cost, no credit check.

For house & land, knock-down rebuilds, major renos

Your Construction Finance Brief.

We map your build, your funding stages, and the lenders that move fastest at each draw. The Brief covers every stage from slab to handover, with the costs and timing called out.

What's in your Brief

How progress payments work, slab to lock-up to handover
Which lenders move fastest at each draw stage
The traps between slab and handover: cost overruns, valuation shortfalls, builder solvency
Land + build vs construction-only, keeping your buffer intact

No credit check. No obligation. Just a real conversation.

Book your strategy call

My project is *

Name *

Email *

Phone *

State *

Looking to start in *

20 minutes. No cost, no credit check.

For sole traders, contractors, and business owners

Your Self-Employed Lending Plan.

We unpack your real numbers, add-backs and all, and match you to lenders who actually understand self-employed borrowers. The Plan names the lenders, the loan type, and the documents you'll actually need.

What's in your Plan

Your real borrowing power once add-backs are factored in
Which lenders are friendliest to your structure and ABN history
Alt-doc and low-doc pathways when full financials don't fit
How we package your application so tax-effective income still gets you the loan

No credit check. No obligation. Just a real conversation.

Book your strategy call

I'm a *

Name *

Email *

Phone *

State *

Looking to borrow in *

20 minutes. No cost, no credit check.

For homeowners rolling off a fixed rate, paying too much, or wanting to access equity

Your Refinancing Loan Review.

We audit what your loan is really costing you and line it up against the rest of the market. The Review tells you whether to renegotiate, refinance, or stay put, and what each move actually costs.

What's in your Review

What your loan really costs once fees, offset use and lost features are factored in
What the rest of the market is offering for your LVR, income and property type
Whether to push your current bank for retention, switch lenders, or restructure
Break-even maths on switching costs, so you know if the move pays off

No credit check. No obligation. Just a real conversation.

Book your strategy call

My current situation *

Name *

Email *

Phone *

State *

Looking to act in *

20 minutes. No cost, no credit check.

For vehicles, equipment, tools, and business fit-outs

Your Asset Finance Match.

We compare lender quotes, structure options, and balloon scenarios. The Match shows you the cheapest real cost over the life of the loan, plus the lender and structure that gets you there.

What's in your Match

Chattel mortgage vs novated lease vs hire purchase, in plain English
What dealer finance is actually costing you vs going direct to a lender
How balloon payments change the maths, and when they actually save you money
GST and depreciation treatment in step with your accountant

No credit check. No obligation. Just a real conversation.

Book your strategy call

I'm financing *

Name *

Email *

Phone *

State *

Looking to purchase in *

20 minutes. No cost, no credit check.