Our approach
How we work: structure first.
Finsap uses the Structure First method: we plan how your loans are set up before you buy, compare options from our panel of 30+ lenders, and review your lending as your plans change. You deal with Danny Saputra directly, and we will tell you when a loan, a purchase or a refinance does not make sense for you.
Credit is subject to lender criteria, assessment and approval. Fees, charges and eligibility criteria may apply.
The method
What is the Structure First method?
Many borrowers choose the property first and sort out the loan afterwards. That can work for one purchase. It often becomes a problem by the second or third. Loans end up cross-collateralised, borrowing capacity is used up early, and the next step becomes harder than it needs to be.
Structure First reverses the order. Before you commit to a purchase, we look at where you are now and where you want to be in five or ten years. We plan how each loan should be set up: which property secures which loan, how offset accounts and repayments are arranged, and how the structure leaves room for what comes next. Where ownership or tax questions come up, we work alongside your accountant or solicitor, because those decisions sit with them.
Then you buy, with finance that fits the plan. As your income, family or portfolio changes, we review the structure so each step builds on the last.
- Step 01
Structure first
We look at your goals, income, existing debts and how you plan to own the property, then plan how the loans should be set up before you commit. Ownership and tax questions sit with your accountant or solicitor, and we work alongside them.
- Step 02
Buy second
Once the structure is clear, we compare options from our panel of 30+ lenders and arrange finance that fits the plan.
- Step 03
Scale intentionally
We review your lending as your circumstances change, so your next purchase or refinance builds on what is already in place.
Your interests
What does the best interests duty mean for you?
Since 1 January 2021, Australian law has required mortgage brokers to act in the best interests of their clients when providing credit assistance. If there is a conflict between your interests and ours, we must put yours first.
In practice, this shapes how we work. We record what you are trying to achieve and why a loan suits you. We compare options from our panel of 30+ lenders rather than defaulting to one. We explain the trade-offs, including fees, features and how a loan affects your future borrowing, not only the rate. If no option on our panel is right for you, we will say so.
The duty is a legal minimum. We treat it as the starting point.
Fees
How is Finsap paid?
You do not pay us a separate broker fee for our standard home loan, investment, refinance or SMSF lending service.
We may receive commission from the lender if your loan settles. This is usually an upfront commission, and a smaller ongoing commission while the loan remains in place. The amount depends on the lender and the loan size. We disclose it to you in writing before you proceed.
Other lender, government, valuation, discharge, break or loan-related fees may apply. We point these out before you decide.
Our Credit Guide sets out how we are paid, and any lender commission is disclosed in your credit proposal.
Honest guidance
When do we say no?
Honest guidance sometimes means not proceeding. We will tell you when we think a loan, a purchase or a refinance does not make sense for you, even if it means no loan settles. For example, when:
- refinancing would cost more in break fees, discharge costs or lost features than it is likely to return over a realistic timeframe
- a purchase would leave too little buffer for rate rises, vacancies or a change in income
- a new loan would tie up equity or borrowing capacity you will need for the next step in your plan
- the structure you have in mind raises tax or legal questions that your accountant or solicitor should answer first
In those cases we explain why, and what would need to change for the answer to be yes.
After settlement
What happens at your annual loan review?
Your circumstances, lender pricing and the property market all change after settlement. Once a year, we review your lending with you. We look at:
- your current rate and loan features against what is available from our lender panel
- whether your structure still suits your plans, including offset accounts, repayment types and which properties secure which loans
- changes in your income, family or goals that affect your borrowing
- whether you are ready for the next step, or whether it is better to wait
If nothing needs to change, we will tell you. If a change makes sense, we explain the costs and trade-offs before you decide.
Questions
Common questions
Do I pay Finsap a fee?
No separate broker fee is payable to us for our standard broking service. We may receive commission from the lender if your loan settles. Other lender, government, valuation, discharge, break or loan-related fees may apply.
How many lenders does Finsap compare?
Finsap compares options from a panel of 30+ lenders.
Who will I deal with?
You deal with Danny Saputra directly, from the first conversation through to settlement and your annual reviews.
How often should I review my loans?
We suggest reviewing your lending at least once a year, and whenever your circumstances change, for example a new job, a change in income, a new property or the end of a fixed rate period.
Related
Where to next
General information only, not personal advice.
Speak to Danny
You deal with Danny Saputra directly.
- Call
- Book a Strategy Call with Danny