About us
Residential Loans
Investment Property
Commercial Loans
Client references
Money Manager
NSW State Revenue

Residential Loans

We provide standard home loans as well as those that are rejected by the banks due to bad credit history or minor payment defaults. Through our accreditation with AFG (Australian Finance Group) Australia, we have access to all the major banks, some non-bank Lenders, and all the major non-conforming Lenders in the country.

What we are providing that no bank can provide is a personal commitment to take the stress out of your home loan process. Because we want to work with our clients for life, we will provide our clients with a holistic advice that look at their total financial needs, which will bring them better benefits in the medium to long term. We will be your one-stop centre for all advice in relation to your home loan application. We also provide a follow-up advice to ensure that you understand how your mortgage works.

Our service is the only thing that separates us from the others. Thus we are fully committed to giving you, our clients, the service that gives you peace of mind.

For your peace of mind, be sure to ask for our Service Commitment Letter.


Standard loans that we provide:

  • First home owner’s loan
  • Deposit Bonds
  • Lo-Doc loan
  • No Deposit Home loan (100% home loan)
  • Reverse Mortgage or Senior Access Home Loan
  • Relocation or Bridging loan
  • Investment Property loan
  • Re-finance
  • Land & Construction loan
  • Farm Finance

Non-conforming Loan for :

  • Those refused loan by the banks
  • Self-employed
  • Business start-up
  • Those with bad credit history
  • Discharged bankrupt
  • Bankrupt
  • Those with no savings history
  • Those with not enough deposit

The following loans are not so common. We have provided a brief description to assist you.

Bridging loan or relocation loan

You can buy your new home while waiting for your present home to be sold, using a facility called bridging or relocation loan. The equity in your existing home is used as part of the deposit on the new home. You have up to 6 months to sell your present home.

The interest on the new home is accrued, to be paid off upon settlement (sale of the old home completed). If the old home is not sold within 6 months, an extension may be granted but with a higher interest rate on the new loan facility.


We have developed a certain capability in providing loans for lifestyle properties . These are properties that can be found in Northern Beaches, Sydney Waterfronts,  North Shores,  and suburbs such as Drummoyne,  Bellevue Hill.  In other words, multi-million dollar properties where the owners are mostly self-employed or professionals such as Doctors, Lawyers, etc.  We also specialise in Rural and Acreage properties, and Special purpose properties such as garage,  bed & breakfast, motels,  mushroom and chicken farms.

Glenmore Park, Silverdale, Mulgoa, Wallacia, Luddenham, Orchard Hills, Cranebrook, Emu Plains, Blue Mountains, Wenthworth Falls, Glenbrook

Address: 5 Gagoor Close, Claremont Meadows NSW 2747
Postal address: PO Box 4158, Penrith NSW 2751
Phone: (02) 9833 9348  Fax: (02) 8572 6029
Email : johnny@calvarygroup.com.au