What will your new repayments be?

Yes — and we’ll make it simple. Whether you’re chasing a lower rate, reducing repayments, or unlocking equity, we’ll explore every option across our lender panel. Our solution-based approach means we’ll find a way forward that makes your loan work harder for you.

We start by reviewing your current loan and overall financial situation, then compare potential options to identify genuine savings or improvements. We calculate all associated costs — including discharge fees, application fees, and government charges — to ensure the switch provides real benefit. The process typically takes 2–4 weeks once all documentation is provided, and we handle the majority of the paperwork and communication with both your existing and new lender. No matter your circumstances, our goal is to find a refinancing solution that works for you.

Every situation is unique, but most approvals take 7–21 business days, with pre-approvals often possible in 2–5 business days. We manage the process from start to finish, keeping you informed at every step so you always know what’s happening.

The formal approval process begins once we submit your complete application to the chosen lender. They will conduct a credit assessment, property valuation, and final checks. Some lenders offer faster processing times, while others may take longer but provide more flexible lending criteria. Factors that can extend the timeline include incomplete documentation, complex income structures (such as self-employment or multiple income sources), or unusual property types.

Our solution-based approach ensures we anticipate these challenges, prepare your application thoroughly, and work closely with the lender to minimise delays. No matter your circumstances, we focus on finding a smooth and effective path to approval.

At B Squared Lending, our mortgage broking services are free for you as the borrower. We are remunerated through commissions paid by the lender once your loan settles, so you can access our expertise and guidance without paying any broker fees directly.

This commission structure is regulated by ASIC and is fully disclosed during our initial consultation. Importantly, the commission we receive does not affect your interest rate or loan fees, which are set by the lender.

This approach allows us to provide comprehensive, solution-based advice, guiding you to the loan that best fits your goals. We’re with you every step of the way, from comparing lenders to managing the application process, ensuring the solution we find works for you now and into the future.

B Squared Lending offers comprehensive, solution-based lending services to clients in Cronulla, the Sutherland Shire, and nationwide across Australia. We help first-time buyers, property investors, and homeowners looking to refinance, top-up, or restructure their loans.

With access to over 40 lenders — including major banks, credit unions, and non-bank lenders — we find the loan options that best suit your individual circumstances. Our services also extend to commercial lending, pre-approvals to strengthen your buying position, and guidance on loan structuring to optimise your financial outcomes.

No matter your situation, we focus on finding solutions that work for you, whether it’s securing a new loan, improving your current loan, or creating a strategy to support your long-term financial goals.

At B Squared Lending, we provide tailored, solution-based support for first-time home buyers in Cronulla, the Sutherland Shire, and across Australia. We understand the unique challenges of entering the property market and work closely with you to find the best path forward.

We guide clients through available government incentives, including the First Home Owner Grant (varies by state), stamp duty concessions, and the First Home Loan Deposit Scheme, which lets eligible buyers purchase with as little as 5% deposit without paying Lenders Mortgage Insurance.

From pre-approval to settlement, we help you understand every step of the process and arrange finance with lenders who offer features particularly valuable to first-time buyers, such as offset accounts and extra repayment options. We also provide guidance on budgeting for ongoing costs like rates, insurance, and maintenance, ensuring your new home is financially manageable.

With our solution-focused approach, we help first-time buyers confidently navigate the market and secure a loan that works for their goals now and into the future.

Yes — we specialise in investment lending and understand it inside-out, not only as brokers but as property investors ourselves. B Squared Lending has extensive experience helping clients arrange finance for investment properties and build property portfolios across Australia, including Cronulla and the Sutherland Shire.

We work with lenders who focus on investment loans and know the unique requirements and benefits of property investment. While investment loans typically require a 10–20% deposit and may have slightly higher interest rates than owner-occupier loans, they also provide tax advantages, including the ability to claim interest, maintenance, and depreciation as deductions. We structure loans to maximise these benefits while supporting your long-term portfolio strategy.

Our services cover a wide range of investment scenarios, including positive and negative gearing, commercial properties, and Self-Managed Super Fund (SMSF) property purchases. For clients building multiple properties, we structure loans to maintain borrowing capacity for future acquisitions and connect you with lenders offering portfolio-based lending solutions.

We also have close relationships with buyers’ agents, allowing us to collaborate and provide a complete solution for sourcing and financing properties. Our solution-based approach extends to ongoing portfolio management, including interest-only periods, refinancing strategies, and optimising your investment loan structure — ensuring there’s always a pathway to achieve your property goals.

Through our extensive lender panel, B Squared Lending offers a range of interest rate options to suit different financial strategies and risk preferences.

Variable rates fluctuate with market conditions and the Reserve Bank of Australia’s cash rate decisions. They offer flexibility and the potential to benefit from rate decreases, though they can also increase.

Fixed rates stay the same for a set period, usually between one and five years, providing certainty for budgeting.

Split rate loans combine the benefits of both fixed and variable rates, allowing part of your loan to be fixed while the rest remains variable — a balance of security and flexibility.

Construction loans typically operate on an interest only variable rate during the building phase, converting to your chosen rate type once the property is complete.

Principal and interest loans are designed to steadily reduce your loan balance over time while covering both interest and principal repayments.

Interest-only loans are available for investment properties, helping investors maximise tax benefits while building their portfolio.

Our brokers guide you through the current rate environment and help select the structure that best aligns with your financial goals, risk tolerance, and long-term strategy — ensuring a solution that works for you.

When applying for a home loan with B Squared Lending, we guide you through every step and ensure you provide the documents lenders require to process your application efficiently.

Typically, you’ll need:

Income proof – recent payslips (usually the last two) or, if self-employed, two years of tax returns and accountant-prepared financial statements.

Tax documents – your latest tax return and ATO Notice of Assessment.

Bank statements – for all accounts over the past three months.

Identification – driver’s licence, passport, or other official ID.

Property details – contract of sale or property valuation for the home you’re purchasing.

Other supporting documents – credit card statements, details of existing loans or liabilities, and proof of your deposit or savings history.

We provide a personalised checklist tailored to your situation and the lender’s requirements, so you know exactly what’s needed. Our solution-based approach ensures your application is complete and keeps the process moving smoothly from start to finish.

The deposit required to purchase a property typically ranges from 5% to 20% of the property’s purchase price, depending on your circumstances and the loan product you choose.

A 20% deposit usually lets you avoid Lenders Mortgage Insurance (LMI), potentially saving thousands of dollars. Many lenders also offer loans with deposits as low as 5% for owner-occupiers, though LMI will apply. First home buyers may be eligible for government schemes, such as the First Home Owner Grant or the First Home Loan Deposit Scheme, which can reduce the deposit requirement to as little as 5% without incurring LMI.

For investment properties, most lenders require a minimum 10% deposit, with many preferring 20%. Deposits can come from genuine savings, family gifts, or equity in an existing property.

At B Squared Lending, we take a solution-based approach to help you explore all deposit options and determine the strategy that works best for your situation, so you can get into your property sooner and smarter.