Specialist Lending

Most mortgage brokers can handle a straightforward home loan: one borrower, one PAYG income and a standard purchase. Where a broker earns their keep is when the situation isn’t straightforward.

Since 2009, Fast Funding has built its reputation on the applications that need more thought: self-employed income, multiple properties, company and trust structures, construction, and borrowers other lenders have turned down. Director Joe Ghoussain works on these files personally.

“Joe helped us navigate the securing of multiple loans… Personable, knowledgeable and available at any time, he made the whole process seamless and very simple.”
Mick S., Facebook review

Our specialist areas

Self-employed and bank-declined loans

Business owners, contractors and company directors whose income doesn’t fit a standard bank assessment, including borrowers already declined elsewhere.
Self-employed home loans →

Investment property and portfolio lending

Structuring loans across several properties so one purchase doesn’t limit the next. We look at loan splits, avoiding cross-collateralisation where possible, and how lenders will assess your rental income and existing debts.
Investor mortgages →

Commercial property and business finance

Purchases of commercial premises and investment property held in company or trust names, including deals where timing and conditions need careful management through to settlement.

Construction and development funding

Building a home or a small development means progress payments, a fixed-price contract and a valuation “on completion”. We manage the lender side from slab to handover.
Construction loans →

SMSF borrowing

Limited recourse borrowing arrangements (LRBAs) for self-managed super funds buying property, with the specialist lenders that still offer them. We work alongside your accountant or financial adviser.
SMSF borrowing →

First home buyers

Government schemes, low-deposit options and help from the bank of mum and dad, set up so your first purchase is straightforward.
First home buyers →

Refinancing and restructuring

Reviewing an existing loan to cut your rate, release equity, consolidate debt or untangle a structure that no longer suits you.
Refinance →

What “complex loan structuring” means in practice

A loan structure is more than the interest rate. It decides how flexible you’ll be later. Getting it right means asking questions such as:

• Which property secures which loan? Linking properties (cross-collateralisation) can make it harder to sell one or switch lenders later.
• Whose name should it be in? Personal names, a company, a trust or an SMSF each have different lending rules and tax consequences. We work with your accountant on the tax side.
• How should the loan be split? Separating investment and personal borrowing keeps interest records clean.
• Which lender suits the next step? Some lenders assess existing debt more conservatively than others, which matters if you plan to buy again.

Why clients come back

Many of our clients have used us for several purchases and refinances over the years. Our reviews mention the same things again and again: Joe is thorough, he keeps you informed, and he spots problems before they hold up settlement.

“There is no other word for how Joe works other than thorough… We’ve had four mortgages through him.”
Ben C., Google review

Talk to us about your situation

Call (07) 5538 8334 or book a time with Joe.

General information only. It does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Fast Funding does not provide tax or financial planning advice; speak to your accountant or a licensed financial adviser about those matters. Fast Funding (Australian Credit Representative Number 397509) is a Corporate Representative of BLSSA Pty Ltd (Australian Credit Licence 391237).